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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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6 Good Financial Habits That Will Improve Your Bottom Line

By Anum Yoon

Did you make a New Year's resolution to improve your bottom line? Fortunately, it only takes a few good financial habits to meet that noble goal. Even better, most good financial habits are so easy to implement that it's just a matter of getting ...

Continue reading 6 Good Financial Habits That Will Improve Your Bottom Line

January 2, 2024

How to Lower Your Heating Bill This Winter

By Corazon Gritar

Whether your home is heated by electricity or natural gas, a high heating bill can sometimes be a huge shock. Thankfully, there are plenty of low cost or free changes you can make in your home or apartment. Here's how you can save money on heating, ...

Continue reading How to Lower Your Heating Bill This Winter

December 12, 2023

More Clever Low-Cost Homemade Gifts Everyone Will Enjoy

By Anum Yoon

If you missed Part 1 of this series on homemade gifts, click here. One of the best gifts you can give or receive is something that was handmade with love. The special touches, time and effort that go into DIY projects let everyone know they're ...

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

December 5, 2023

How to Trim Your Christmas Shopping List

By Anum Yoon

Santa gives Christmas gifts with a "Ho, ho, ho." However, people who don't have a legion of elves to help them often feel like "Ho, ho, NO!" If the expectations of gift-giving have become too much for your budget, consider reducing your Christmas ...

Continue reading How to Trim Your Christmas Shopping List

November 28, 2023

The Handy Dandy Guide of Practical Christmas Gifts Under $25

By Mikey Rox

There are plenty of presents you can give for the sake of giving gifts, but you'll get more mileage out of a practical approach. For all those hard-to-buy-for friends, relatives, and co-workers, consider this list of Christmas gifts under $25 that ...

Continue reading The Handy Dandy Guide of Practical Christmas Gifts Under $25

November 21, 2023

How Your Home Humidifier Can Save Money This Winter

By Corazon Gritar

Did you know that a home humidifier can save you money? Better yet, it can result in significantly lower costs for multiple living expenses. So how does a humidifier save money for its owner? Well ... let's read on to find out! During wintertime, ...

Continue reading How Your Home Humidifier Can Save Money This Winter

November 14, 2023

Stain Removal Hacks for 22 Household Accidents

By Mikey Rox

Accidents happen, and they can totally put a damper on your otherwise positive demeanor if you don't know how to properly eliminate the stains they cause around the house. To prevent your own spontaneous combustion, consider these 22 stain removal ...

Continue reading Stain Removal Hacks for 22 Household Accidents

October 17, 2023

The Best Way to Make Ends Meet on a Limited Income

By Len Penzo

For those struggling to make ends meet, where one lives becomes more important as household income decreases. For example, when taking into account food, utilities, healthcare, housing, and general goods and services, New York City is more than twice ...

Continue reading The Best Way to Make Ends Meet on a Limited Income

October 5, 2023

How 6 Tiny Money Leaks Cost Me $2802 Annually

By Len Penzo

I hate it when I see people waste food. I'm not sure why, but I've always been that way. Another pet peeve of mine is carelessly wasting money on things that can be easily prevented. And while I am very diligent about not wasting food, I still have a ...

Continue reading How 6 Tiny Money Leaks Cost Me $2802 Annually

October 2, 2023

Five Frugal Ideas for Fall Season Family Fun

By Anum Yoon

Just because summer is over doesn't mean you have to stop having family fun. With the kids back at school, bills due and a chill in the air, it feels hard to find affordable activities the whole family will enjoy. But if you're looking for a few ...

Continue reading Five Frugal Ideas for Fall Season Family Fun

September 19, 2023

Budget Workouts: 10 Ways to Get Fit for Little or No Money

By David Hamilton

Are you still making excuses that you can't go to the gym because it's too expensive? Or can't afford a new bike to exercise? Be afraid, be very afraid, because you're about to encounter some simple, cost-effective, budget workout ideas for you to ...

Continue reading Budget Workouts: 10 Ways to Get Fit for Little or No Money

September 11, 2023

5 Ways You Can Save Money on Groceries This Week

By Anum Yoon

For many people, the grocery bill is one of their largest monthly expenses. Fortunately, you can easily save money on groceries this week -- and every week after that -- with a little pre-planning and a lot of creative frugality. Nix the ...

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September 5, 2023

Travel Mistakes: 12 Ways Travelers Inadvertently Increase Vacation Costs

By Mikey Rox

Cutting costs on travel can be a boon for our wallets. But there's a dark side to some of those "discounts." With that in mind, here are 12 travel mistakes that, if you're not careful, can end up costing you more than you bargained for: Flying ...

Continue reading Travel Mistakes: 12 Ways Travelers Inadvertently Increase Vacation Costs

August 1, 2023

The Best and Worst Dollar Store Deals

By Len Penzo

You may be surprised to learn that, when compared to other markets, not everything sold at a dollar store is a bargain. So, what are the best and worst dollar store deals? Well, to find out, I recently took a little shopping trip and compared the ...

Continue reading The Best and Worst Dollar Store Deals

July 10, 2023

How To Save Money on Moving Expenses

By Corazon Gritar

House prices and rental costs remain incredibly expensive. But whether you're buying a new home or renting, moving costs can be incredibly daunting too. So how can you save money on moving expenses? Here are several ways to cut down on moving costs ...

Continue reading How To Save Money on Moving Expenses

June 20, 2023

Embarrassed About Being Frugal? Here Are 6 Reasons Why You Shouldn’t

By Mikey Rox

Your friends might label you the cheapskate of the group and your money-conscious mindset might be a running joke, but there's no reason to be embarrassed about being frugal. A lot of people cry broke and whine about never having enough cash to get ...

Continue reading Embarrassed About Being Frugal? Here Are 6 Reasons Why You Shouldn’t

June 13, 2023

6 Ways to Clean Out Your House for Cash This Spring

By Mikey Rox

Spring cleaning time is almost here. With that in mind, before you start tossing out perfectly good, re-sellable items, why not take inventory of all the goodies you've got and determine the best method of sale? After all, you may as well recoup some ...

Continue reading 6 Ways to Clean Out Your House for Cash This Spring

May 23, 2023

Why Coffee Drinkers Waste More Than Just Money at Starbucks

By Len Penzo

It's a common refrain: buying coffee at Starbucks is a waste of money. Now, I don't mean to make you uncomfortable, but I think it's high-time we had a deeper, more serious, conversation about the wildly popular coffee house chain. I want to start ...

Continue reading Why Coffee Drinkers Waste More Than Just Money at Starbucks

May 1, 2023

How Couples Save Money by Gaming the System

By Mikey Rox

There are plenty of perks to being a couple -- splitting household expenses, sharing a cell phone plan, qualifying for BOGO dinner promotions at your favorite chain restaurants -- but there are more savings to enjoy if you dig a little deeper. Now ...

Continue reading How Couples Save Money by Gaming the System

April 4, 2023

How to Grow a Vegetable Garden: 45 Tips to Help You Succeed

By Len Penzo

If you're worried like I am about rising food prices this year, learning how to grow a vegetable garden can be a terrific way to lower your produce bill. Now, I know what most of you are thinking: But I don't know the first thing about planting a ...

Continue reading How to Grow a Vegetable Garden: 45 Tips to Help You Succeed

April 3, 2023

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