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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Does Buying Your Gas In The Early Morning Really Save Money?

By Len Penzo

I've already written about the folly of trying to save a few cents per gallon when shopping for gas. But did you know there are times when you don't get exactly what you pay for when you fill up your gasoline tank at the local station?   It's not t ...

Continue reading Does Buying Your Gas In The Early Morning Really Save Money?

May 7, 2009

Evaluate Your Options Before Selling Gold Jewelry

By Len Penzo

I was watching a King of Queens marathon late last night and my viewing enjoyment was continually being disrupted by those ubiquitous Cash4Gold ads that urge viewers to collect their unwanted jewelry so it can be turned into "cold, hard, ...

Continue reading Evaluate Your Options Before Selling Gold Jewelry

March 8, 2009

Don’t Feel Guilty Tipping Your Server 15%

By Len Penzo

I guess my first foray into the mail bag last week actually inspired a few more of you to write in. Most of the letters received were from President Obama fans who wanted to opine on my recent take on the $75B mortgage rescue bailout. Judging from ...

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February 25, 2009

An Easy Way to Compare Credit Card Reward Programs

By Len Penzo

I always assumed the cash-back card to be a better value than the one passing out airline miles, but I never did a detailed analysis to confirm my suspicions.   For me it just made better sense to get a dividend check a couple times per year that I co ...

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February 8, 2009

Budgeting to Meet the Household Strategic Plan

By Len Penzo

A household budget should be based upon a well-thought strategic plan for the future. I've already discussed how to establish your household strategic plan so you can begin to build a household budget that meets your long-term strategic plan. ...

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January 3, 2009

Why You’re Broke: You Don’t Audit Your Spending Habits

By Len Penzo

Now that I've outlined a top-level job description for the household CEO it is time to begin breaking down each of those six top-level tasks in a little more detail. The biggest reason most people always find themselves broke and continually in debt ...

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December 29, 2008

What the Heck Does a Household CFO Do?

By Len Penzo

Being the household CEO can be a very lonely job indeed, but it doesn’t have to be.   In multiple-person households, there may be others (usually the spouse) who will wish, or even insist, to be a part of the financial management process.   Luckily, i ...

Continue reading What the Heck Does a Household CFO Do?

December 27, 2008

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