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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

8 Ways to Stay Motivated When Nothing Is Going Right

By Mikey Rox

Staying motivated when the chips are down isn't easy. You feel deflated, perhaps a failure, and maybe even afraid for your job. The first thing to remember is that nobody is perfect; we all make mistakes. The second thing is that you can turn the ...

Continue reading 8 Ways to Stay Motivated When Nothing Is Going Right

3 Comments February 10, 2026

Money Scripts: What Are They and Why Do They Matter?

By Len Penzo

Have you ever stopped to wonder why you react a certain way to money situations? Maybe you feel guilty about spending, or maybe you never hesitate to splurge. These patterns aren’t random – they’re deeply rooted in what’s known as money scripts. ...

Continue reading Money Scripts: What Are They and Why Do They Matter?

September 30, 2025

The Secret to Creating Personalized Coping Strategies

By Len Penzo

Stress is something no one can fully avoid, and the truth is that everyone deals with it differently. That’s why creating coping strategies that are personalized to you is so important. Instead of forcing yourself into a one-size-fits-all routine, ...

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September 25, 2025

Should You Consider A Pre-Settlement Loan In a Personal Injury Case?

By Corazon Gritar

Entering a personal injury case can be full of uncertainties, especially when it comes to your finance future. Lawsuits can drag on for years, so it is certainly tempting to take a payment in the meantime. Pre-settlement lawsuit loans are there to ...

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July 22, 2025

Debunking Common Legal Myths About Nursing Home Debt

By Sabado Domingo

Nursing homes are long-term medical care communities for older adults who need round-the-clock, hands-on care from medical staff. Older adults with dementia, mobility conditions, or other disabilities often reside in nursing homes for safety and ...

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July 9, 2025

Is It Okay to Eat Food Past Its Expiration Date?

By Len Penzo

This weekend, I was pouring a little half-and-half into my cup of coffee (not Folgers) when I saw something extremely disturbing: The creamer was 34 days beyond its expiration date. Yes, 34 days. Of course, the first thought that immediately ...

Continue reading Is It Okay to Eat Food Past Its Expiration Date?

June 30, 2025

8 Ways to Save on Dental Care Without Insurance

By Mikey Rox

Do you need to get your grill fixed, but don't have dental insurance? You're not alone. More than 100 million US consumers are without access to dental care because they can't afford it. The bad news is that's nearly one-third of the nation's ...

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June 24, 2025

An Introductory Guide to Wills, Trusts and Estate Planning

By Anum Yoon

What happens when people die -- or are dying -- is a subject of intense debate. For you it might be a matter of faith or science. What's less debatable: If you prepare properly, the people you leave behind will have an easier transition. Several ...

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June 17, 2025

How to Stay Calm When the Economy Feels Like It’s in Free Fall

By Sabado Domingo

It’s hard to stay level-headed when headlines are screaming about crashing markets, rising interest rates, and global uncertainty. One minute, everything seems fine. The next, you're refreshing your bank app and wondering if you should pull your ...

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June 11, 2025

What Everyday Wellness Really Costs in 2025

By Sabado Domingo

Wellness isn’t just a trend - it’s become an everyday necessity for people from all walks of life. Whether you’re booking a fitness class, buying organic groceries, or downloading the latest meditation app, the pursuit of feeling good now comes with ...

Continue reading What Everyday Wellness Really Costs in 2025

May 19, 2025

Is FOMO Breaking Your Budget? Here’s How to Stop It

By Anum Yoon

Is FOMO breaking your budget? FOMO -- the fear of missing out -- is a powerful feeling. It's defined as an anxiety that something exciting is happening somewhere that you're not. It may sound like a benign and harmless feeling, but FOMO controls us ...

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April 8, 2025

Relax and Unwind! Here Are 10 Ways to Have Fun on a Budget

By Anum Yoon

Ever reach the end of the work week, and you literally just can't handle any more? The days spent at the office can leave us feeling tense and wound so tight that you can almost feel your bones grinding together. But how do you unwind without ...

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February 25, 2025

Get to Know Typical Personal Injury Case Expenses

By Corazon Gritar

When you’ve suffered an injury due to someone else’s negligence, the legal process that follows can seem daunting - especially once personal injury case expenses come into play. The out-of-pocket costs of a personal injury case can vary widely, ...

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February 11, 2025

How to Survive the Apocalypse (Or at Least Have Fun Trying)

By Forest Parks

You're sitting there just finishing off your last can of baked beans. They're cold, of course, because your fuel ran out a year ago. It's been three years in that hole, with no instructions over the radio from the army, and nobody banging on the ...

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February 5, 2025

How to Break a Shopping Addiction

By Tex Freitag

how to break a shopping addiction

Do you find it hard to say no when you're out shopping? Does the urge to buy something, even when you don’t really need it, feel almost uncontrollable? If so, you might be dealing with a shopping addiction. It’s a real issue that many people face, ...

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January 3, 2025

Worried About the Family Vision Care Budget? Tips for Parents

By Sabado Domingo

Maintaining healthy eyes is a crucial aspect of overall healthcare, yet family vision care is often overlooked by many Americans. According to industry reports analyzing data from the CDC, 38% of people in the US don't have an eye doctor, and 63% ...

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December 19, 2024

6 Ways to Stop Stressing Out About Money

By Anum Yoon

Right now, at this moment, how much money do you have? Before you answer: does the mere question begin to stress you out? If so, you probably wish you could stop stressing out about money. Rest assured, you're not alone. According to the number ...

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December 17, 2024

Building Your Finances for Meeting Unplanned Healthcare Costs

By Sabado Domingo

Healthcare in the US is one of the leading causes of financial stress for citizens. According to the Commonwealth Fund, personal as well as in GDP, money spent on healthcare is higher in the US than in other high-income countries. For this reason, ...

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November 29, 2024

Budgeting Medical Costs: These 6 Tips Will Get You Started

By Corazon Gritar

When it comes to healthcare, budgeting medical costs can be tricky. After all, it can be difficult to find the money to pay for all of the expenses that pile up throughout the year. Whether it's planned costs, like insurance and prescriptions, or ...

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November 5, 2024

How Psychometric Assessments Can Boost Your Success

By Enero Febrero

One of the key factors that set successful businesses apart is their people. The ability to understand and leverage the strengths and skills of employees is crucial for organizational success. Ensuring you have the right people in the right roles is ...

Continue reading How Psychometric Assessments Can Boost Your Success

October 23, 2024

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