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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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5 Tips for Saving on Your Pet Expenses

By Sabado Domingo

Pets are anything but a cheap investment today. In fact, the true cost of owning a dog or cat probably greatly exceeds what you previously thought. Of course, not all pets are created equally when it comes to expenses. Research shows that dog ...

Continue reading 5 Tips for Saving on Your Pet Expenses

November 13, 2019

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 told me a good-news bad-news story regarding a deal he got from DirecTV for their extremely popular NFL Sunday Ticket service that allows him to watch every out-of-market game during the entire ...

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

September 23, 2019

How I Live on Less Than $40,000 Annually: Randy from Missouri

By Randy

My name is Randy and I recently discovered Len's website and learned about his $40,000 challenge. I've really enjoyed reading the stories of those $40,000 heroes. I am 44 years old and I'm a mechanical engineer by trade, but I've moved into ...

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August 19, 2019

How To Decorate Your New Home Without Breaking The Bank

By Sabado Domingo

Moving to a new place could be an expensive endeavor. Based on the layout of the new room, you may have to get different furniture to fit all your belongings neatly within the space. Trying to make your new home homey can have you furiously shopping ...

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August 15, 2019

22 Home Hacks for Removing Common Stains (Part 2)

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. In case you missed it, you can check out the first 11 proven home hacks for ...

Continue reading 22 Home Hacks for Removing Common Stains (Part 2)

July 10, 2019

5 Strategies to Help You Save Money for Your Next Vacation

By Tex Freitag

When you're on vacation, the last thing you need is to worry about money. Going away is meant for relaxation and forgetting about reality, not stressing about what's going on back home or if you can afford a souvenir. Planning out your trip also ...

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July 3, 2019

12 Ways to Splurge on Date Night Without Breaking the Bank

By Jennifer Landis

Couples who spend little time nurturing their relationships tend to drift apart; unfortunately, many people lead busier lives than ever. But what is existence all about, anyway? People weren't put on Earth simply to work, sleep and eat. Taking ...

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June 18, 2019

How I Live on Less than $40,000 Annually: Kai from California

By Kai

My name is Kai, and I live in Concord, California. I'm 41 years old and married, with two kids, an 11 year-old daughter and 10 year-old son. Like Len, I'm an engineer by training; I also have an MBA. Today I'm primarily a stay at home parent, but ...

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June 10, 2019

Save Money Faster By Turbo-Charging Your Change Jar

By Len Penzo

Okay ... this is my last article about loose change for awhile. I promise. I recently shared my latest 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 ...

Continue reading Save Money Faster By Turbo-Charging Your Change Jar

May 28, 2019

How I Live on $40,000 Annually: Jason from Maine

By Jason Paradis

My name is Jason, and I live in beautiful Plymouth, Maine. I'm 29 years old with no wife or children; I live a very comfortable life with my dog on less than $40,000 annually. I'm what many people consider frugal, some call cheap, and others call ...

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March 18, 2019

10 Easy New Year Health Resolutions Guaranteed to Save You Money

By Sabado Domingo

Someone once said that the only diet that works is one you'll actually stick to. It's the same story for money -- you may want to spend less money this year, but having a vague and lofty goal is almost guaranteed to fail. With that in mind, here ...

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January 16, 2019

4 Habits and Systems that the Wealthy Follow Religiously

By Tex Freitag

There are rich people who are bonafide geniuses; you know, the kind that went to Harvard and then dropped out or the kind that got into MIT and used their big brains to make a ton of money. While intelligence, charm and extreme talent are wonderful ...

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January 3, 2019

10 Ways Students Can Stretch Their Income While Studying

By Enero Febrero

Nothing is as exciting to a high school student as pursuing higher education at the university of their choice. As a young adult, this is a golden opportunity for mastering your own destiny and being away from your parents' constant scrutiny. Of ...

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December 4, 2018

100 Words On: Why Folgers Coffee Is More Expensive Than You Think

By Len Penzo

All things considered, most coffee drinkers realize that brewing their java at home is significantly more cost effective than buying it from Starbucks. However, those who use a typical automatic drip coffee maker may not be saving quite as much as ...

Continue reading 100 Words On: Why Folgers Coffee Is More Expensive Than You Think

November 22, 2018

How to Make Your Dreams Come True — Even on a Tight Budget

By Jacob

Do you have a plan for the future? How about a set of goals? If you could do anything at all, what would it be? Many of us are so busy with day-to-day life that we don't have time to think about what we really want for the future. In fact, even if ...

Continue reading How to Make Your Dreams Come True — Even on a Tight Budget

October 16, 2018

How I Live on $40,000 Annually: Ryan from North Carolina

By Ryan

My name is Ryan and I'm a 38-year-old teacher. I'm married to my wife, Louise, who is in retail management. We have three kids, ages 2, 7 and 9. I manage the majority of the finances, but communicate with my wife about financial planning because ...

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October 1, 2018

Quick and Simple Tips for Getting Out of Debt and Saving Money

By Sabado Domingo

If you find yourself in a financial hole, take a deep breath -- and then take stock of the unfortunate situation your find yourself in. First and foremost you should collect your recent bills and pay stubs. After you've done that, it's time to do ...

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September 14, 2018

Money for Nothing? Using Gaming Bonuses to Your Advantage

By Enero Febrero

The online casino scene has skyrocketed in popularity over the past couple of years. It seems that you can't browse a website without seeing yet another ad for the latest gaming site, with all of them offering free spins, no deposit bonuses and other ...

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September 14, 2018

How I Live on Less than $40,000 Annually: Evan from Pennsylvania

By Evan Gruber

My name is Evan and I'm a 31-year-old equipment operator living in Pennsylvania. I'm married, with a two-year-old daughter, and another child on the way! My wife and I have always been savers. Both our families value thriftiness, and promote a ...

Continue reading How I Live on Less than $40,000 Annually: Evan from Pennsylvania

August 20, 2018

How to Become a CEO Without Getting Carried Away on Spending

By Enero Febrero

If you're working hard to forge a successful career within a company, then the chances are that you dream of being a CEO one day. These captains of industry are very often considered to be the pinnacle of career aspiration for the power, status and ...

Continue reading How to Become a CEO Without Getting Carried Away on Spending

July 31, 2018

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