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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Black Coffee: Something’s Simmering

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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6 Comments October 4, 2025

How Do I Choose the Best Air Miles Credit Card?

By Len Penzo

An air miles rewards card are perfect for folks who love to travel and have great credit – so you'll want to make sure you maximize your dividends by using smart strategies. Here's how to choose the best air miles credit card: Compare interest rates ...

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2 Comments October 2, 2025

Amazing Small Business Ideas Anyone Can Do

By Patrick Ward

Starting a business is one of the toughest ordeals. There's a number things to think about all of which will determine how well one begins. Picking the right business may also not come in automatically. Times have changed and so have businesses. The ...

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Leave a Comment October 1, 2025

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. ...

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2 Comments September 30, 2025

What Kind of Family Expenses Should You Budget For?

By Corazon Gritar

It is easier to budget and plan for family expenses when you are solo or with a partner. However, as soon as the first child arrives, the family expenses should be revised by a bigger percentage. The way you manage your money will significantly ...

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2 Comments September 30, 2025

Does Birth Order Influence Financial Behavior?

By Len Penzo

Many people believe birth order is responsible for their status in life. I happen to be a firstborn child, which is why I love to remind my younger sister that scientific studies suggest firstborn kids are smarter than their ...

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33 Comments September 29, 2025

Black Coffee: Out on a Limb

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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8 Comments September 27, 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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4 Comments September 25, 2025

Grandfather Says: The Continuing Chronicles of Elaine, Part 76

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: More on Teaching Soon after Dave’s KEYBOARD sign appeared, a young man wearing a black leather jacket rode up on his ...

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Leave a Comment September 25, 2025

5 Ways to Kickstart Your Investing Journey

By Sabado Domingo

Investing is essential for laying the foundation to your future. Wise investing will help provide the retirement dream that you've always wanted. Luckily, there are dozens of different ways that you can kickstart your investing to get where you want ...

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1 Comment September 24, 2025

7 Signs That Signal It May Be Time to Sell Your Investment

By Mikey Rox

Nobody wants to be on the losing end of a stock market investment, but it happens. The good news is you can avoid potential financial devastation by recognizing a few key signs that often indicate when it's finally time to sell stock in a company. ...

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September 23, 2025

Are Two Household Incomes Really Better Than One?

By Len Penzo

Not too long after our first child was born, the Honeybee left her position as a paralegal for a bankruptcy attorney. The truth is, she very much wanted to be a stay-at-home mom. It was a decision that we had both happily agreed to before we were ...

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44 Comments September 22, 2025

Black Coffee: Wolves In Sheep’s Clothing

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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1 Comment September 20, 2025

How Do I Choose the Best Rewards Credit Card?

By Len Penzo

A rewards credit card is specifically targeted at people who want a bonus in exchange for using the card. So the more you purchase, the more rewards you earn! There really is no magic to selecting the right reward cards. In fact, it basically comes ...

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2 Comments September 18, 2025

Why Personal Deficit Spending Can Actually Be a Good Idea

By Neal Frankle

Most personal finance bloggers extol the virtues of frugality and I'm normally among them. It's true. People generally get wealthy (and more importantly stay wealthy) because they learn to live well below their means. But sometimes, personal deficit ...

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11 Comments September 17, 2025

Lower Your Heating Bill with this Home Winterization Checklist

By Anum Yoon

Saving on your heating bills during the winter is easier than many think. While some may claim substantial savings can only occur after an entire heating system revamping or a lofty project, you can lower your home heating bill by doing just a few ...

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16 Comments September 16, 2025

Smart Home Investments: How to Cut Costs and Boost Efficiency

By Corazon Gritar

In an era where efficiency and cost-saving are crucial, investing in a smart home is becoming increasingly attractive to homeowners. The concept of a smart home is not only about having the latest technology but also about making strategic decisions ...

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Leave a Comment September 15, 2025

Are You Prepared for Managing Money and Other Responsibilities?

By Mr. Credit Card

I have an 11-year-old son who is clamoring for a cell phone. But cell phone aside, my son has been getting an allowance and, quite often, Granny tops off his piggy bank during Christmas and his birthday. I've observed some very interesting things ...

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11 Comments September 15, 2025

Black Coffee: Searching for Answers

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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12 Comments September 13, 2025

Grandfather Says: The Continuing Chronicles of Elaine, Part 75

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: My Piano Teaching Career     I did not have the confidence to teach piano lessons before I graduated from college, 1974. (Lack ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 75

3 Comments September 11, 2025

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