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1 week ago | 
lenpenzo.com | Corazon Gritar |Len Penzo
Upgrading your windows and doors is one of the most cost-effective home improvements you can make to enhance both the aesthetic appeal and the energy efficiency of your property. While the upfront cost might seem significant, these improvements can save you money in the long run and even increase the overall value of your home. Here’s a closer look at how new windows and doors can benefit your finances in the long term.
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2 weeks ago | 
lenpenzo.com | Corazon Gritar |Len Penzo
Understanding return on investment (ROI) is essential when deciding which home projects deserve your hard-earned dollars. Some renovations pay you back handsomely at resale, while others deliver mainly lifestyle benefits. This beginner’s guide explains how your home ROI is determined, why it matters, and which upgrades typically offer the best financial returns. ROI measures how much of your remodeling cost you’ll recoup when you sell your house.
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1 month ago | 
lenpenzo.com | Corazon Gritar |Len Penzo
Becoming a new homeowner comes with many exciting changes and challenges, one of which is managing your home’s electrical use. From understanding your utility bills to planning future upgrades, smart electrical practices can save you money, reduce your environmental impact, and enhance your overall comfort. This guide to smart electrical use will walk you through essential tips and facts every new homeowner should know about managing electrical systems efficiently.
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1 month ago | 
lenpenzo.com | Corazon Gritar |Len Penzo
Are you thinking of joining one of the 32 million small businesses in the United States? If so, you’ll need to save money to get it going. But saving cash to start a business can be tricky. With that in mind, here are several smart tips that will help you achieve your savings goals. Before you can make a budgeting plan or timeline, you have to know exactly how much you need to save. You have to consider how much money you’ll actually need to start your business and get it off the ground.
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1 month ago | 
lenpenzo.com | Corazon Gritar |Len Penzo
Feeling dizzy after opening a midsummer power bill usually points to an aging air-conditioning (AC) system working harder than it should. Replacing that gulping, outdated unit with today’s high-efficiency technology does more than cool rooms faster – it keeps more money in your pocket month after month. From slashed utility costs to smaller repair bills, here’s how modern AC unit upgrades turns into a long-term financial win.
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1 month ago | 
lenpenzo.com | Corazon Gritar |Len Penzo
Strategic career planning is generally thought to lead to goal setting, promotion, and financial success. And those are all great things, but the true value of setting and following your career goals, in a structured way, is the flexibility it will grant you in the years ahead. Life flexibility, like the ability to take a sabbatical, change industries, have children, or move, for example, doesn’t just magically happen.
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1 month ago | 
lenpenzo.com | Corazon Gritar |Len Penzo
Seven in ten Americans have at least a single credit card in their name. Often times they have more, but most have at least one. However, this doesn’t apply to all generations equally, and once again millennials are the exception to the rule; millennials aren’t using credit cards. Unfortunately, many financial experts worry that’s a major problem. According to Bankrate, young people are spending more than any other generation on things like groceries and gas.
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2 months ago | 
lenpenzo.com | Corazon Gritar |Len Penzo
If you’re like many Gen Zers, you probably suffer from a severe case of FOMO (fear of missing out) because, well … everybody knows YOLO (you only live once). As a result, you might treat yourself to expensive trips, or nights on the town, because you don’t want to be left at home while the best years of your life pass you by. So is there a secret when it comes to how to enjoy your 20s? The unfortunate truth is that your best years will, in fact, pass you by.
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Mar 18, 2025 | 
lenpenzo.com | Corazon Gritar |Len Penzo
American millennials are making the news once again. This time, it’s because the demographic as a whole can’t afford to purchase homes. According to a survey by Apartment list, a staggering 80% of millennials say that they want to buy a home. Here’s the kicker: 69% have less than $1000 available for a down payment. What’s more is that 40% don’t have any savings at all. Real estate experts say it’s a perfect storm: rising home prices, record student loan debt, and a lack of savings.
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Feb 25, 2025 | 
lenpenzo.com | Corazon Gritar |Len Penzo
When a marriage ends, it’s not only an emotional transition but a financial one as well. The dynamics of household income, expenses, and savings often shift dramatically. You might find yourself with a different financial outlook, adjusting to a single income, handling new obligations, and managing responsibilities that were once shared. This article will explore how your budget could change after a spousal separation, and what factors you should consider during this adjustment.
