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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

My Peanut Butter Taste Test: What 8 Choosy Mothers Really Chose

By Len Penzo

Before the average American kid gets his high school diploma he or she will supposedly eat 1500 peanut butter sandwiches. That being said, most Americans' passion for peanut butter doesn't stop after childhood. And in case you're wondering, a ...

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December 13, 2021

Do Prices Ending in 9 Really Affect Our Buying Habits?

By Len Penzo

My dad, who passed away in 2020, was a real comedian. The guy seemed to have a story or a joke for every occasion and I'm pretty sure I heard 'em all. That never stopped Dad from sharing his repertoire over and over again anyway. What I really ...

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December 6, 2021

100 Words On: A Really Sneaky Way to Reduce Your Restaurant Bar Tab

By Len Penzo

According to the National Restaurant Association, 88% of all adults say they enjoy going to restaurants. It's really no wonder. Dining out is considered a relaxing treat by most folks; a great way to escape from the hustle and bustle of a hectic day. ...

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December 2, 2021

4 Presumptuous Gifts that Can Strain the Recipient’s Budget

By Len Penzo

I remember the worst gift I ever received. It was a vacation to the Bahamas that an old girlfriend of mine gave to me. It was one of those too-good-to-be-true ultra-low-cost package "deals" that was exactly that -- too good to be true. Our "hotel" ...

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November 29, 2021

6 Mistakes to Avoid When Looking for Black Friday Deals

By Sabado Domingo

Making online purchases during Black Friday is a great idea, especially if you don't have a car or hate fighting crowds -- but if you're not careful, there are shopping mistakes you can make that are just as bad. In fact, there are plenty of online ...

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November 17, 2021

15 Things That Are Better to Rent Than Buy

By Mikey Rox

Want to enjoy life's finer things without the big investment? Then instead of spending cash to own them outright, consider renting -- especially if you'll only use them infrequently. Renting can often fill a temporary void without creating a new ...

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November 16, 2021

True Story: What Happens When You Can’t Pay the Restaurant Bill

By Len Penzo

I didn't eat out too often as a kid, but when I did, you can bet I almost always enjoyed it. I remember Dad always used to joke that he didn't have enough money to pay the restaurant bill. "Well, it looks like they're going to make us go into the ...

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October 18, 2021

9 Things We Routinely Overpay For

By Len Penzo

Nobody likes overpaying for stuff. Even so, many people do it without even realizing it. The good news is, by getting the urge to splurge under control, it's possible to save significant amounts of cash that can be used to stretch your household ...

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October 11, 2021

Buyer Beware: Here Are the 6 Biggest Consumer Electronics Markups

By Andrea Woroch

What do a grocery store, a funeral home and a college bookstore have in common? They each sell products with some of the highest markups in retail. While we dont want to think of a funeral as a financial transaction, the reality is that we all pay ...

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September 28, 2021

4 Good Reasons Why You’re Overspending (and How to Stop It)

By Tex Freitag

During the second quarter of 2021, household debt in the United States jumped from $313 billion to $15 trillion. Credit card debt, in particular, rose to $787 trillion -- $17 billion higher than the previous quarter. This spike shows that it's more ...

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September 15, 2021

The Trick to Making Smarter Spending Decisions

By Tex Freitag

We all have our own ways of justifying purchases, whether we're trying to convince ourselves that a new car is essential, or that new boots are a just requirement with winter around the corner. However, what if there was a way you could look at your ...

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September 1, 2021

What Is an Extended Auto Warranty and How Does It Work?

By Enero Febrero

With every new car, you get something called a standard factory warranty. This warranty acts as a guarantee that all repairs that are caused by mechanical failure and defects will be covered. Basically, the standard factory warranty promises that ...

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August 24, 2021

My 13th Annual Cost Survey of 10 Popular Brown Bag Sandwiches

By Len Penzo

I don't know about you, but my monthly grocery bill has been increasing since the start of the new year. Meanwhile, the average cost of a school lunch this year is $3.81. For a family with two kids, that amounts to slightly less than $1400 during ...

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August 2, 2021

5 Items in Nature With Enormous Finder Fees

By Len Penzo

I realize the economy is wigging out and times are starting to get tough again. Of course, with the price of precious metals back on the rise, you could head out into the wilderness and try to find a stray nugget or two. Then again, if you ...

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July 12, 2021

4 Sneaky Car Dealer Tricks (and How to Avoid Them)

By Sabado Domingo

hidden fees to watch out for

The majority of car dealers are scrupulous professionals who simply want to sell you the vehicle of your choice. So why is it that taking a trip to the dealership often fills car buyers with dread? It's an unfortunate fact that many car buyers ...

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July 7, 2021

Why You Should Always Double-Check Grocery Store Meat Label Prices

By Len Penzo

For anybody who regularly shops for groceries, it should be common knowledge by now that food prices are beginning to rise at an alarming pace. Of course, many manufacturers are keenly aware of this, which is why they try to mask inflation by ...

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June 21, 2021

How to Select the Best Home Security Company

By Sabado Domingo

My wife gets on my case because I am terrible at engaging our burglar alarm system every night before bed. Rightfully so; a burglar alarm is a smart precautionary initiative toward protecting your home and the valuables within. In my opinion, ...

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May 12, 2021

The High Cost of CBD Oil: Why Is It So Expensive?

By Tex Freitag

CBD oil has never been more popular than it is now, thanks to a reputation that rivals most medical products. But if you are one of those who want to try CBD, chances are you might be discouraged by the steep cost. And without in-depth knowledge of ...

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April 9, 2021

How to Save Money On DIY Home Improvement Projects

By Enero Febrero

When making home improvements, savvy household CEOs employ an effective year-round strategy to help beautify their home and increase its value by using coupons, promo codes, and cash-back sites to help save money. Whether it's weather-stripping a ...

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March 10, 2021

25 Examples of Shrinkflation That No Longer Fool Consumers

By Len Penzo

Not too long ago I was preparing a recipe from an old cookbook that called for a couple of 7-ounce cans of tuna. After looking in the pantry, I was happy to see that I had exactly two cans of tuna -- until I remembered that tuna was one of the ...

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February 15, 2021

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