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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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How to Affordably Splurge on an Occasional Treat (in 4 Easy Steps)

By Graham

We all need treats in life; it's important to enjoy experiences that will create lasting positive memories. Today I will share how I do this -- and I hope that it will also work for you! Step 1: Recognize your "needless" expenses Advertising ...

Continue reading How to Affordably Splurge on an Occasional Treat (in 4 Easy Steps)

July 17, 2018

How I Live on Less than $40,000 Annually: John from Maryland

By John Steiner

The name is John Steiner and I live in Southern Maryland with my better half/muse/wife Abi. I'm 27 and Abi is 25; we've been married since December 2015 and have no kids. I'm the CFO for the family, but Abi is the household CEO. At the ...

Continue reading How I Live on Less than $40,000 Annually: John from Maryland

July 2, 2018

Save Extra Money at Amazon By Using This Simple Chrome Extension

By Len Penzo

Who doesn't like discounts? I know I do; I bet you do too. Unfortunately, there are literally millions of Internet discounts available every day that people aren't aware of because: 1) they don't know where to find them; or 2) they're unwilling to ...

Continue reading Save Extra Money at Amazon By Using This Simple Chrome Extension

June 27, 2018

How to Plan a Vacation on a Tight Budget and Stick to It

By Sabado Domingo

Vacations can be the most relaxing and fun times of our lives, but planning them on a budget -- and then trying to stick to that budget -- can quickly turn any soothing get-away into a travel nightmare. So if you're looking to book your summer ...

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May 30, 2018

4 Small Expenses That Can Add Up to Become Big Budget Busters

By Enero Febrero

There are more than a few people out there who think they've got their spending under control, and yet they can't seem to figure out why they're still spending more than they earn every month. In many cases, the answer is simply that many people ...

Continue reading 4 Small Expenses That Can Add Up to Become Big Budget Busters

May 23, 2018

4 Tips For Saving Money While Traveling The World

By Enero Febrero

International travel is something most people never get to do. A flight overseas requires you to have discretionary money most people don't have, not to mention the available time to take off from work. Then there's the expenses of the trip ...

Continue reading 4 Tips For Saving Money While Traveling The World

April 27, 2018

Caring for Aging Parents? These Minor Home Mods Make a Big Difference

By Tex Freitag

The time will come when your parents are no longer able to care for themselves. Whether that is because of health issues or simply from aging, they'll need someone to support them on a regular basis. Although some adult children decide that it is ...

Continue reading Caring for Aging Parents? These Minor Home Mods Make a Big Difference

April 26, 2018

How to Get the Most for Your Money on a Gaming Vacation

By Tex Freitag

We all go on vacations for a whole number of reasons. Some just like to get away from the daily grind, while others go on holiday for a specific purpose. Gaming vacations have become increasingly popular over the years, especially with places such as ...

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April 20, 2018

How I Live on Less than $40,000 Annually: Emily from Illinois

By Guest

My name is Emily and I'm 27. My husband, Kirk, is 29 and we have a newborn son. We live in Springfield, Illinois. I'm transitioning from full-time to part-time as an accountant and teaching a few violin students. My husband is a guitar teacher and ...

Continue reading How I Live on Less than $40,000 Annually: Emily from Illinois

April 9, 2018

8 Really Useful Money Saving Tips Every Family Should Consider

By Enero Febrero

When you're raising a family, using your money wisely is important. While you want to enjoy time with your loved ones and provide your children with great experiences while they're growing up, you must also be mindful of your spending. With that in ...

Continue reading 8 Really Useful Money Saving Tips Every Family Should Consider

March 9, 2018

Stop Pouring Money Down the Drain: 9 Ways to Conserve Bathroom Water

By Chris Long

When you realize that half of a household's water usage occurs in the bathroom, and that greener versions of toilets and faucets -- like those found in new homes from green builders -- can save an average American family up to 11,000 gallons per ...

Continue reading Stop Pouring Money Down the Drain: 9 Ways to Conserve Bathroom Water

January 10, 2018

How to Buy a Great Mattress Without Spending a Fortune

By Sabado Domingo

If you want to be as productive and healthy as you possibly can, you need to ensure that you get a good night's sleep; for most adults this is between seven and nine hours each night. You may not realize it, but if you want to make sure that you get ...

Continue reading How to Buy a Great Mattress Without Spending a Fortune

September 21, 2017

7 Money-Saving Packing Tips for When You’re Moving Out

By Enero Febrero

What does the process of moving out look like? Well ... it's a complete mess! Just picture hundreds of boxes and bags, wrapped furniture and appliances literally everywhere in your home. During this period, you may not even have the time to eat ...

Continue reading 7 Money-Saving Packing Tips for When You’re Moving Out

September 15, 2017

How Your Employer Is Stealing From You

By Len Penzo

Does anybody remember the Allentown woman who was sentenced to 57 months in prison for stealing $1.6 million from her employer over the course of an entire decade? Believe it or not, many employees misguidedly feel it's really no big deal to raid the ...

Continue reading How Your Employer Is Stealing From You

September 4, 2017

A Simple Budgeting Plan for Those Who Struggle with Discipline

By Antonio Fortunato

Len reminds us regularly of the power, importance and necessity of family budgeting; and budgeting is a staple in his top five tools for the successful household CEO. This article is not meant to replace the critically important family budget. ...

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July 25, 2017

4 Smart Home Improvement Projects That Save Money in the Long Run

By Sabado Domingo

There are some things you can purchase or install in your home that will help save you money over the long run. Planning ahead for these opportunities can give you the best perspective on what will save you money in the future -- even if there is an ...

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June 23, 2017

How I Live on Less Than $40,000 Annually: Nick from Iowa

By Guest

My name is Nick. I'm 25 years old and single with no kids. I work in radio, with a salary of $40,000. I also have side gigs that add an additional $5000 of income per year. In 2014 I received my bachelor's degree in mass communication. After I ...

Continue reading How I Live on Less Than $40,000 Annually: Nick from Iowa

June 12, 2017

7 Ways College Students Can Get Cash for Housing, Books and Tuition

By Ethan Butler

College is expensive. It can be tough to keep up with tuition payments, room and board and textbook purchases; time is also at a premium. So, how can you possibly find the extra cash to pay for all of these things? Luckily, there are lots of ...

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April 19, 2017

6 Cheeky Ways Frugal People Save Money

By Sabado Domingo

Hands up if you love budgeting. The odds are, most of you will be shaking your heads, rolling your eyes, or perhaps even thinking about moving on. Seriously, who wants to read any more crap about how to budget? But wait! We know you've heard ...

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April 12, 2017

100 Words On: Why Frugality Has Its Limits

By Len Penzo

The main benefit of frugality and saving is they're good habits that lay a strong personal finance foundation. That being said, the frugal lifestyle definitely has its limits. Although scrimping and cutting corners can result in significant savings, ...

Continue reading 100 Words On: Why Frugality Has Its Limits

March 9, 2017

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