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The offbeat personal finance blog for responsible people.

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Scientists Say This Clever Trick Can Help You Break Your Overspending Habit

By Len Penzo

The other day I was reluctantly helping the Honeybee clean out her our closet -- and having a thoroughly miserable time doing it, I might add -- when I came across a couple of old Discover magazines. I canceled my subscription to Discover years ...

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December 26, 2022

Black Coffee: The Last of the Big Spenders

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. ...

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December 24, 2022

A Surefire Way to Teach Kids the Value of Money

By Len Penzo

One of the more difficult jobs any parent faces is teaching their kids the value of a dollar. Sadly, some kids never learn that money doesn't grow on trees. It may seem cruel, but parents who aren't afraid to let their kids spend their money on ...

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December 22, 2022

Surprising Survey Results Highlight Attitudes of Young Drivers

By Enero Febrero

As the Association of British Insurers (ABI) and the road safety charity, Brake, work together to revise the existing learning-to-drive system, one survey suggests that the task of improving the habits and attitudes of young drivers may be ...

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December 21, 2022

7 Body Language Tips That Will Boost Your Chances of Getting a Job

By Mikey Rox

When it comes to getting a job, understand this: Hiring managers aren't just listening to what you say during interviews. They're also observing how you walk, talk, sit, and use your hands, among other body language expressions. CareerBuilder notes ...

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December 20, 2022

4 Online Shopping Mistakes You’re Making and How to Avoid Them

By Corazon Gritar

Shopping online is a convenient way to get the products you want. Instead of having to go to the store, you can have them delivered right to your home. However, there are certain precautions you need to take when shopping online or you might end up ...

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December 19, 2022

The Thermostat Isn’t the Only Tool for Saving Money on Your Utility Bills

By Len Penzo

Despite the conventional wisdom, there is at least one study out there that has concluded that opposites really don't attract -- at least when it comes to successful relationships. If that's so, then perhaps my marriage is on borrowed time because ...

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December 19, 2022

Black Coffee: ‘Tis the Season

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 ...

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December 17, 2022

Grandfather Says: The Continuing Chronicles of Elaine, Part 3

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: Skating at the Riverside Roller Rink was our favorite date plan, and we eventually bought our own skates instead of renting ...

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December 15, 2022

3 Ways to Reduce Your Calling Costs

By Sabado Domingo

Everybody loves a cheap phone bill. But keeping in touch with family and friends on the phone can get very expensive if not handled properly. So with that in mind, here's how many savvy shoppers reduce their calling costs both domestically and ...

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December 14, 2022

5 Ways to Get Rid of Your Unwanted Christmas Gifts

By Anum Yoon

Christmas is the season of giving. In some cases, that can include giving away. That's because no matter how many gifts you receive, there may be a few items in your haul that you neither need nor want. But are there inoffensive ways to get rid of ...

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December 13, 2022

How to Save Money at the Vet and Minimize Pet Medical Costs

By Len Penzo

Awhile back, we took our Rhodesian Ridgeback to the veterinarian for what I like to describe as a pet "lube, oil and filter." To put it another way, we had him placed under a general anesthetic so the vet could clean his teeth and work on repairing a ...

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December 12, 2022

Black Coffee: A Gold Wrench in the Fiat Money Machine

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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December 10, 2022

Grandfather Says: The Continuing Chronicles of Elaine, Part 2

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 Beginning of Courtship He gave me "the rush," as we called it then, coming over and calling all the time, and taking me ...

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December 8, 2022

The Importance of Good Moral Character

By Len Penzo

When evaluating people, they say good moral character trumps all. Coach John Wooden always preached that character was more important than reputation because "character is what you really are, while reputation is merely what others think you are." ...

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December 8, 2022

A Few Thoughts from Aunt Doris: Do I Know You?

By Aunt Doris

Don't you just hate it when you're out and someone comes up to you and says, "Hey! Long time no see! How are you doing?" And then you think: Who are you? Then they start rambling on while you desperately rack your brain trying to place them: Is ...

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December 7, 2022

The Importance of Understanding Energy Tariffs

By Sabado Domingo

Energy is necessary for running our businesses and homes, but it can be costly. Consumers and suppliers alike have borne the brunt of the UK's energy crisis, which has since seen the price of energy skyrocketing thanks to high energy ...

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December 6, 2022

How Does Blockchain Technology Work? Here’s a Simple Example

By Len Penzo

If you want to know how blockchain technology works, it would be helpful to understand how it got started. When looking back at the history of blockchain technology, the initial seeds of its creation were planted in a 1991 research paper entitled ...

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December 6, 2022

7 Tips for Achieving Financial Freedom

By Tex Freitag

Every person's definition of financial freedom is different, but the goal for most people is to live comfortably without depending on a paycheck. It's an attainable goal, but it requires hard work and dedication. But once financial freedom is ...

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December 5, 2022

When Is the Right Time to Use Your Wealth Insurance (Gold & Silver)?

By Len Penzo

Many people who understand that our current unsustainable debt-based monetary system is in its death throes protect their hard-earned nest eggs by purchasing physical gold and silver. Ironically, many are understandably uncertain about the right time ...

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December 5, 2022

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