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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Five Frugal Ideas for Fall Season Family Fun

By Anum Yoon

Just because summer is over doesn't mean you have to stop having family fun. With the kids back at school, bills due and a chill in the air, it feels hard to find affordable activities the whole family will enjoy. But if you're looking for a few ...

Continue reading Five Frugal Ideas for Fall Season Family Fun

September 19, 2023

I’m Not Rich, But I’m Financially Free; Here’s How I Got There

By Len Penzo

Let's face it, the more choices we have in life, the richer and more rewarding it becomes. Fortunately, I'm currently in that coveted sweet spot of financial freedom where I can do pretty much whatever the heck I please, whenever I want. Don't get ...

Continue reading I’m Not Rich, But I’m Financially Free; Here’s How I Got There

September 18, 2023

Black Coffee: Account Overdrawn

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: Account Overdrawn

September 16, 2023

Grandfather Says: The Continuing Chronicles of Elaine, Part 23

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: Some excellent National Theater productions we enjoyed in Washington were The Music Man and My Fair Lady and a solo ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 23

September 14, 2023

How to Get Promoted by Working Like a Politician

By Tex Freitag

Getting promoted at work has more to do with politics than accomplishment, like getting a music or book contract, or inheriting a family fortune. It is possible to gain notoriety and success by doing as little as possible, just look at any politician ...

Continue reading How to Get Promoted by Working Like a Politician

September 13, 2023

The Best Way to Sell Your Timeshare

By Enero Febrero

Timeshares can be a significant burden on your finances. They're overpriced, lose their value quickly, and quite frankly, are not for everyone. But maybe you still bought one. Well ... take comfort in the fact that you're not alone. Many people buy ...

Continue reading The Best Way to Sell Your Timeshare

September 12, 2023

Budget Workouts: 10 Ways to Get Fit for Little or No Money

By David Hamilton

Are you still making excuses that you can't go to the gym because it's too expensive? Or can't afford a new bike to exercise? Be afraid, be very afraid, because you're about to encounter some simple, cost-effective, budget workout ideas for you to ...

Continue reading Budget Workouts: 10 Ways to Get Fit for Little or No Money

September 11, 2023

Black Coffee: Something for Nothing

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: Something for Nothing

September 9, 2023

The Baffling Allure of the Eiffel Tower

By Len Penzo

Is the Eiffel Tower overrated? Originally built as the grand entrance to the 1889 World's Fair, today the Eiffel Tower is the undisputed romantic symbol of Paris and most-visited paid monument on Earth. Even so, that didn't stop more than 1000 ...

Continue reading The Baffling Allure of the Eiffel Tower

September 7, 2023

The 5 Best Investment Options During a Recession

By Sabado Domingo

As the old saying goes, what goes up must come down. And while the stock market has been on a tear in recent years, investors would be wise to remember that recessions are a reality of the business cycle. This begs the question: What are the best ...

Continue reading The 5 Best Investment Options During a Recession

September 6, 2023

5 Ways You Can Save Money on Groceries This Week

By Anum Yoon

For many people, the grocery bill is one of their largest monthly expenses. Fortunately, you can easily save money on groceries this week -- and every week after that -- with a little pre-planning and a lot of creative frugality. Nix the ...

Continue reading 5 Ways You Can Save Money on Groceries This Week

September 5, 2023

How Our Perverse Debt-Based Monetary System Works

By Len Penzo

No, you're not going crazy, folks. In today's world, nothing is as it seems anymore. Down is up. Bad is good. Black is white. And the money in your wallet -- as well as the stuff making up your bank and retirement accounts -- is nothing but an empty ...

Continue reading How Our Perverse Debt-Based Monetary System Works

September 4, 2023

Black Coffee: They Know That We Know

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've got another busy weekend ahead of ...

Continue reading Black Coffee: They Know That We Know

September 2, 2023

Grandfather Says: The Continuing Chronicles of Elaine, Part 22

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: Note by Grandfather: Elaine wrote most of her epistle in 2002, when her dementia was quite advanced. one of its symptoms is ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 22

August 31, 2023

5 Simple Ways to Avoid Online Fraud

By Tex Freitag

You are just setting out in your online business venture or research work, and falling prey to online scams is the last thing on your mind. As such, it's safe to say thinking about ways to avoid online fraud also isn't one of your top concerns. We ...

Continue reading 5 Simple Ways to Avoid Online Fraud

August 30, 2023

3 Major Money Mistakes People Make When Financing Their Car

By Corazon Gritar

For most Americans, having a car is a necessity. Whether you take concrete highways -- which represent roughly 30% of all US interstate highways -- or unpaved pathways to get to work or school, the majority of people agree that it's better to rely on ...

Continue reading 3 Major Money Mistakes People Make When Financing Their Car

August 29, 2023

Why I Run My Household Like a Business (and Why You Should Too)

By Len Penzo

Before I started my blog, I spent my free time as a dedicated volunteer for Little League baseball. And although I rose through the ranks over the years to eventually become a league president, looking back, my fondest Little League memories still ...

Continue reading Why I Run My Household Like a Business (and Why You Should Too)

August 28, 2023

Black Coffee: Cutting Out the Middle Man

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: Cutting Out the Middle Man

August 26, 2023

Why Making a Good First Impression Is Important

By Len Penzo

Like it or not, when it comes to evaluating others, people tend to form an opinion within 30 seconds of meeting someone for the first time. Unfortunately, that resulting initial impression is generally extremely difficult to reverse should we start ...

Continue reading Why Making a Good First Impression Is Important

August 24, 2023

How to Control Your Expenses (and Ensure They’re Necessary)

By Enero Febrero

If you're wondering how to control your expenses, you're not alone. Controlling your expenses is one of the most important habits we need to develop. A person who overspends and has no money to fall back on as a precautionary measure will almost ...

Continue reading How to Control Your Expenses (and Ensure They’re Necessary)

August 23, 2023

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