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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Are High Thread Count Sheets Worth the Price?

By Len Penzo

The Honeybee and I are officially in the final phase of a major master bathroom remodel. We're extremely excited too, because today marks the seventh week of our three-week project. Don't laugh: That's how long our general contractor told us it ...

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April 17, 2023

Black Coffee: The Golden Rule

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 us. ...

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April 15, 2023

Grandfather Says: The Continuing Chronicles of Elaine, Part 12

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: The Story of the Cannibals During Dave's year-plus in the Philippines on the island of Mindanao, several weeks passed when ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 12

April 13, 2023

DVDs From Hell: How to Skip DVD Trailers & Ads

By Len Penzo

One recent weekend not too long ago I came home to find out that both my kids happened to be spending the night at neighbors' homes. Heh. Of course, I'm sure all of you who are married with children know what that means. But before that could ...

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April 12, 2023

5 Chores That Today’s Kids Can Do to Earn Money

By Anum Yoon

When did you learn the value of money? For many of us, it begins the day our parents dole out chores for the first time. A week's worth of completed chores meant we earned allowances that we could spend right away or save for something we really ...

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April 11, 2023

How to Fix Your Finances Without More Money

By Len Penzo

How many times have you heard somebody who has no idea how to fix their finances lament that all their financial troubles would disappear if only they had a little more money? The thing is, those are the same people who believe that financial ...

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April 10, 2023

Black Coffee: Down the Rabbit Hole

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. ...

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April 8, 2023

A Few Thoughts from Aunt Doris: Cowboys and Indians

By Aunt Doris

This is another post in an occasional series from my dear Aunt Doris, who passed away in 2015 at the age of 94. When I was a kid in England I loved to play Cowboys & Indians. (Yes, we played that too.) I always wanted to be the ...

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April 6, 2023

Is the $5 Bill the New $1 Bill?

By Charles Hugh Smith

From Charles Hugh Smith's Of Two Minds blog: It's starting to feel like a $5 bill is the new $1 bill. Everything that could be purchased with one or two dollars not that long ago is now $5 or even $10. A few days ago I was enjoying the Butte ...

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April 5, 2023

How Couples Save Money by Gaming the System

By Mikey Rox

There are plenty of perks to being a couple -- splitting household expenses, sharing a cell phone plan, qualifying for BOGO dinner promotions at your favorite chain restaurants -- but there are more savings to enjoy if you dig a little deeper. Now ...

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April 4, 2023

How to Grow a Vegetable Garden: 45 Tips to Help You Succeed

By Len Penzo

If you're worried like I am about rising food prices this year, learning how to grow a vegetable garden can be a terrific way to lower your produce bill. Now, I know what most of you are thinking: But I don't know the first thing about planting a ...

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April 3, 2023

Black Coffee: Bucking the System

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 ...

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April 1, 2023

5 Proactive Budgeting Tips for Single Homeowners

By Corazon Gritar

Balancing finances at home can be a challenge for many single homeowners. The budget is crucial, but being able to manage personal and business finances will help make things easier to work from. In this post, you'll learn about budgeting tips for ...

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March 31, 2023

The Continuing Chronicles of Elaine, Part 11

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: The Days and Nights on Kianlud Mountain Dave took many black and white pictures in the Philippines, and colored slides, and ...

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March 30, 2023

How to Control Spending by Creating a Budget

By Sabado Domingo

Depending on how disciplined you are, a budget may not be essential to keeping your finances under control, but it does allow you to make calculated decisions about how to spend your income. Many competent household CEOs create and use a budget to ...

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March 29, 2023

Steps You Can Take to Increase Your Financial Resilience

By Tex Freitag

Research shows that 71% of adults in developing countries have a financial account. Despite this statistic, only 55% can be resilient to financial shocks. The rest find it difficult or impossible to access emergency money when such situations ...

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March 28, 2023

Investment Fraud Has Yet to Doom the Controversial EB-5 Visa Program

By Corazon Gritar

In 1990 Congress created the EB-5 visa program. Their goal was to stimulate the US economy, and the capital investment from foreign investors was cited as a good way to do that. The program itself gives easy green card access to foreign nationals, ...

Continue reading Investment Fraud Has Yet to Doom the Controversial EB-5 Visa Program

March 28, 2023

34 Financial Tricks to Help You Retire Early

By Len Penzo

The other day our Stacking Benjamins podcast roundtable team was discussing an article on a popular mainstream financial website about how to retire early. I especially loved the story's first recommendation: "Start saving as early as you ...

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March 27, 2023

Black Coffee: The Waiting Game

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. And ...

Continue reading Black Coffee: The Waiting Game

March 25, 2023

5 Simple Reasons Why You Always Owe Taxes (and How to Change It)

By Sabado Domingo

Nobody loves a surprise tax bill. Even worse is owing the IRS every year, despite making changes to your withholdings. If that sounds familiar, you'll be interested to know about the five most common reasons you always owe taxes -- and the steps ...

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March 24, 2023

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