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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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7 Ways to Save on a Wedding Without Busting Your Bank Account

By Sabado Domingo

How much have you budgeted for your upcoming nuptials? Hopefully, you've set aside about $30,119 because that's the average cost of a wedding in the US. Yep! The total cost to get hitched has grown steadily over the years -- and that's without even ...

Continue reading 7 Ways to Save on a Wedding Without Busting Your Bank Account

April 3, 2024

14 Cooking Hacks for People Who Can’t Boil Water

By Mikey Rox

Being dependent on fast food and other restaurant meals can lead to all kinds of issues, like obesity and an empty wallet, respectively. Unfortunately, feeding yourself hot, healthy, delicious meals that you've made with your own two hands isn't ...

Continue reading 14 Cooking Hacks for People Who Can’t Boil Water

April 2, 2024

Teaching Kids Money Management Skills

By Len Penzo

Before my kids, Matthew and Nina, became teenagers I conducted a little experiment in order to ascertain their sophistication level regarding money by conducting a loan interview with the Bank of Dad. Not surprisingly, I learned that my kids were ...

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April 1, 2024

Black Coffee: Time to Pedal Harder

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what's been going on in the world of money and personal finance. Another busy week is crossed off the ...

Continue reading Black Coffee: Time to Pedal Harder

March 30, 2024

Grandfather Says: The Continuing Chronicles of Elaine, Part 37

By RD Blakeslee

The following was written by my late wife Elaine. She wrote a long book, a diary really, from which this is one passage: All the doors in this house, except the front door - which came from Grandpa Miller’s home in Saginaw, Michigan - came from ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 37

March 28, 2024

4 Good Reasons to Own Business Insurance

By Enero Febrero

There are many good reasons to own business insurance. For example, if you want your business to be successful, it's important that you have adequate insurance. Even if you're a small business that's just starting out, you still need it. And while ...

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March 27, 2024

10 Tips for Making Your First Budget

By Anum Yoon

Landing your first real job and bringing in a steady paycheck each month is an exciting time. However, if you're like most people, that's shortly followed by a myriad of expenses. It's difficult to keep track of all your bills and expenses -- and if ...

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March 26, 2024

Mailbag: Should I Contribute to the 401k or Save for a Home?

By Len Penzo

I have been doing financial research and would love your opinion. I'm a young stay-at-home mom, and my husband just graduated from college. He got a great job within a few months of graduating, and we are looking toward buying a home. His job, also ...

Continue reading Mailbag: Should I Contribute to the 401k or Save for a Home?

March 25, 2024

Black Coffee: Look Who’s Manning Their Battle Stations

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what's been going on in the world of money and personal finance. I hope everybody had a wonderful week. ...

Continue reading Black Coffee: Look Who’s Manning Their Battle Stations

March 23, 2024

Don’t Feel Guilty: Getting a Tax Refund Is OK

By Len Penzo

Getting a tax refund is OK, right? Well ... from a financial perspective, there's no doubt that it's better to maximize the withholding exemptions on your W-4 form. Why? Because the resulting additional take-home pay can be invested or placed in an ...

Continue reading Don’t Feel Guilty: Getting a Tax Refund Is OK

March 21, 2024

4 Coupon Survey Results that May Change Your Thoughts About Them

By Enero Febrero

Despite the widespread use of coupons today, they came from very humble beginnings. In 1887, Coca-Cola offered a free glass of coke as part of a paper-based promotion; that paper scrip was the first known coupon! That led to the creation of the ...

Continue reading 4 Coupon Survey Results that May Change Your Thoughts About Them

March 20, 2024

6 Ways to Save Money on a Basement Remodel

By Corazon Gritar

Basements have a knack for being that eerie place in the house where old toys and outdated hand-me-downs live. However, basements have the potential to become anything you want them to be. A spare bedroom, a laundry room, or perhaps even a wine ...

Continue reading 6 Ways to Save Money on a Basement Remodel

March 19, 2024

Gas or Charcoal Grill: Which Is More Cost Effective?

By Len Penzo

With warmer weather finally here and the recent demise of my old grill, I once again find myself considering one of the great debates of all time: Is a gas or charcoal grill better? When it comes to the question of grilling with propane or ...

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March 18, 2024

Black Coffee: Double Indemnity

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what's been going on in the world of money and personal finance. Well ... another busy week is behind ...

Continue reading Black Coffee: Double Indemnity

March 16, 2024

Embracing Mindful Spending

By Len Penzo

how to break a shopping addiction

In the age of consumerism, where advertisements bombard us from every angle and the allure of instant gratification is ever-present, the concept of mindful spending emerges as a beacon of clarity amid the chaos. Beyond mere budgeting techniques, ...

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March 15, 2024

Grandfather Says: The Continuing Chronicles of Elaine, Part 36

By RD Blakeslee

The following was written by my late wife Elaine. She wrote a long book, a diary really, from which this is one passage: Building the New House We all pitched in to do whatever we each could do to help every day. One job I worked on was ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 36

March 14, 2024

Why It’s Important to Do Your Homework Before Buying Rental Property

By Enero Febrero

For many people, getting a rental property can be a great investment. The question you have to ask before buying rental property is: Are rental properties a smart investment for you? In order to answer that question, you'll need to figure out the ...

Continue reading Why It’s Important to Do Your Homework Before Buying Rental Property

March 13, 2024

Did You Make the Right Career Choice? Here’s How to Know

By Mikey Rox

So many of us go to work, do what we're paid to do, punch out, and go home. But are we truly happy? Studies suggest most people aren't -- even though they pretend to be. On the other hand, if you exhibit a majority of the following traits while ...

Continue reading Did You Make the Right Career Choice? Here’s How to Know

March 12, 2024

9 Crazy Tax Deductions That the IRS Actually Accepted

By Len Penzo

Uncle Sam has bills to pay, which is why, with Tax Day just around the corner, millions of Americans are carefully sifting through their accounts in order to see what they can deduct as a legitimate expense at the last minute. Of course, most ...

Continue reading 9 Crazy Tax Deductions That the IRS Actually Accepted

March 11, 2024

Black Coffee: The Miracle Worker

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what's been going on in the world of money and personal finance. I hope everybody had an enjoyable week. ...

Continue reading Black Coffee: The Miracle Worker

March 9, 2024

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