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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

8 Clever Low-Cost Homemade Gifts Everyone Will Enjoy

By Anum Yoon

Are you struggling (again) to come up with some unique Christmas gift ideas? This year, instead of waiting in long lines at the shopping malls or surfing hundreds of websites, why not try something different? Give a low cost homemade Christmas gift ...

Continue reading 8 Clever Low-Cost Homemade Gifts Everyone Will Enjoy

8 Comments November 25, 2025

Don’t Be a Wimp! Here Are 22 Things You Should Always Haggle For

By Len Penzo

Last weekend I was at a barbecue with a buddy who shared with me a good-news bad-news story from several years ago regarding a deal he got from DIRECTV for the extremely popular NFL Sunday Ticket service that allowed him to watch every out-of-market ...

Continue reading Don’t Be a Wimp! Here Are 22 Things You Should Always Haggle For

October 27, 2025

The 9 Biggest Rules for Dating on a Budget

By Mikey Rox

For most people, dating is fun. However, dating isn't cheap, and depending on what you two like to do, it can take a sizable toll on your finances. Back in the day, taking your date to a fancy restaurant and an extravagant activity meant you ...

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October 14, 2025

Lower Your Heating Bill with this Home Winterization Checklist

By Anum Yoon

Saving on your heating bills during the winter is easier than many think. While some may claim substantial savings can only occur after an entire heating system revamping or a lofty project, you can lower your home heating bill by doing just a few ...

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September 16, 2025

Clever Ways to Save Money On Your Next Car

By Corazon Gritar

For most Americans, having a car is a necessity. But while driving your own vehicle can represent freedom, it can also represent significant costs. We might not be able to control the price of gas, but we can often save a bit of money on the purchase ...

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September 9, 2025

Save Money Faster By Turbo-Charging Your Change Jar

By Len Penzo

I have already shared my frustrating supermarket misadventure where I had the misfortune of getting behind a nice lady who paid for her groceries with a giant bag of quarters. I used that little episode to talk about about the benefits of ...

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August 18, 2025

8 Ways to Save on Dental Care Without Insurance

By Mikey Rox

Do you need to get your grill fixed, but don't have dental insurance? You're not alone. More than 100 million US consumers are without access to dental care because they can't afford it. The bad news is that's nearly one-third of the nation's ...

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June 24, 2025

Wedding Planning 101: Here’s How to Ensure You’ll Pay Too Much

By Mikey Rox

For most people, getting married is one of the happiest milestones of their life -- until they get the bill. Then again, that's to be expected if you fail to master Wedding Planning 101. Last year, the average cost of a US wedding was a whopping ...

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June 3, 2025

Saving Made Easy: How I Saved $36,000 in 12 Years by Doing This Simple Trick

By Marie C. Franklin

Want to know a trick for saving made easy? I want everyone to pull up a chair and get comfortable because I'm about to tell you a story that may seem hard to believe. But it is the absolute truth. Awhile back, I made a decision that forever changed ...

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May 5, 2025

How Smart Menu Planning Can Reduce Your Annual Grocery Bill by $1000

By Len Penzo

If you google the term "world's toughest question" you'll come across a panoply of potential candidates: What is the meaning of life? What is the secret of happiness? How can I get rich quickly? Why does the line you're in always move ...

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April 28, 2025

This Blue Fruit Cuts $400 Off My Grocery Bill Every Year

By Len Penzo

Have you ever wondered why there aren't very many blue fruits or vegetables in nature? I know I have. In fact, most fruits and vegetables that people usually offer as examples of azure produce are actually purple. And, no, blueberries aren't blue; ...

Continue reading This Blue Fruit Cuts $400 Off My Grocery Bill Every Year

April 9, 2025

Is FOMO Breaking Your Budget? Here’s How to Stop It

By Anum Yoon

Is FOMO breaking your budget? FOMO -- the fear of missing out -- is a powerful feeling. It's defined as an anxiety that something exciting is happening somewhere that you're not. It may sound like a benign and harmless feeling, but FOMO controls us ...

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April 8, 2025

6 Ways to Create a Stylish Home Office on a Budget

By Anum Yoon

Flexible scheduling and the beauty of technology in the workplace has allowed for more opportunities than ever to work from home -- either part or full-time -- rather than hanging out in the office seven days a week. That being said, just any ...

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April 1, 2025

Relax and Unwind! Here Are 10 Ways to Have Fun on a Budget

By Anum Yoon

Ever reach the end of the work week, and you literally just can't handle any more? The days spent at the office can leave us feeling tense and wound so tight that you can almost feel your bones grinding together. But how do you unwind without ...

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February 25, 2025

10 Easy Ways to Save Big Money Every Day

By Len Penzo

Savvy individuals are always looking for great ways to cut costs and save money. In fact, sticking to a careful budget today is more important than ever. But individuals who want to save big money don't need to worry. Here are 10 simple tips that can ...

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February 10, 2025

14 Ways to Celebrate Valentine’s Day on a Budget

By Mikey Rox

Ironically, there are a lot of broken hearts on Valentine's Day. Here's how to celebrate Valentine's Day on a budget by keeping the money you spend to a minimum while kicking the thoughtfulness up a notch: Celebrate the Day Before -- or After It's ...

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January 28, 2025

Weekly Meal Planning: Here’s How Singles On a Tight Budget Do It

By Sabado Domingo

Whether your kids have moved out of the house, or you've just left a relationship, being single doesn't have to mean lonely nights of greasy take-out or microwaved frozen meals. Smart weekly meal planning is a great way to support a tight budget, eat ...

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January 15, 2025

4 Money-Saving Tips for New Homeowners

By Corazon Gritar

Buying a home is a huge achievement, but it can leave many first-time homeowners financially scrambling. For new homeowners, this can unfortunately lead to more financial strife than they're prepared for. Fortunately, there are plenty of ways for ...

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December 31, 2024

How to Save Money on DIY Remodeling Projects

By Enero Febrero

There is a mountain of good advice on the Internet these days about how to implement DIY home improvement projects. And alongside all of those good ideas inspiration from, there has probably never been a better time to give your home an upgrade. The ...

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December 11, 2024

Holiday Parties: 5 Host Gifts That Won’t Break the Bank

By Corazon Gritar

The holiday season is upon us, and soon you'll begin receiving invitations for holiday parties. While holiday parties are part of what makes this time of the year so wonderful, they can also take a massive toll on your savings account. From buying ...

Continue reading Holiday Parties: 5 Host Gifts That Won’t Break the Bank

November 26, 2024

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