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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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8 Ways to Save More on Back-to-School Shopping This Year

By Mikey Rox

If you've got kids, then the odds are you'll be participating in that annual ritual known as back-to-school shopping. Unfortunately, it's an expense that can take a big bite out of your budget. So why not dig a little deeper when looking for extra ...

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August 16, 2022

9 Indispensable Financial Tips for Teens & Twentysomethings

By Len Penzo

I hate to admit this, kids, but I used to think my parents were really dumb. A few peas short of a casserole. All foam, no beer. Dumber than a box of hair. I get it; most teenagers and young adults already know everything about anything. But as ...

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May 23, 2022

6 Personal Finance Tips for College Grads

By Tracie Johnson

If you are a graduate - or graduating soon - and haven't started planning your finances yet, your head may be spinning with a dizzying array of information. Many people often struggle to find their financial footing following graduation, leading to ...

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April 22, 2022

Aiming for a College Education? Here Are 3 Ways to Save for It

By Sabado Domingo

If you're a parent thinking of your child's future, then one of the things that you're probably considering right now is your kid's college education. Of course, it depends on their choice whether they want to go to college or not, but preparing for ...

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April 4, 2022

4 Tips to Help You Choose the Right Undergraduate Degree

By Sabado Domingo

With tuition fees constantly on the rise, there's a lot of pressure on students. If you are willing to spend a lot of time, energy, and money on your degree, you need to make sure you're making the best possible choice when selecting your courses. ...

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March 28, 2022

100 Words On: Why You Don’t Need an MBA to Manage Your Finances

By Len Penzo

Never assume that just because a person holds an MBA, he knows how to run a business; the road is littered with MBA-sporting CEOs who ignominiously drove their companies into the ground. Conversely, there are just as many CEOs -- guys like ...

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February 24, 2022

10 Great Ways to Avoid Student Loan Debt

By Mikey Rox

When the average student graduates, she's almost $30,000 in the hole. That's some education, all right. More than 44 million students are now up to their caps and gowns in student-load debt -- to the tune of $1.5 trillion. That makes student loans ...

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October 19, 2021

Important Tools and Apps to Help Prepare Your Student for College

By Enero Febrero

When your child is nearing his or her graduation from high school, you probably feel a mix of emotions. You likely are battling the pride of all he or she has accomplished, the amazement that time has gone by so quickly, the worry about all he or she ...

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October 13, 2021

7 Smart Things to Do with Your Graduation Money

By Mikey Rox

Congrats, Graduate -- you did it! But now that school's out, you've got some big decisions to make, the least of which is what you're going to do with all that graduation money. Whether you're fresh out of high school or a newly-degreed college ...

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June 1, 2021

I’m Stumped: 7 Perplexing Money Questions Without a Good Answer

By Len Penzo

Did you know that back in 2013, then British Prime Minister David Cameron offered $1.54 million to the first person who could solve mankind's greatest challenge? He did. However, before the challenge could officially begin, he had to wait for an ...

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January 25, 2021

What Is a Student Credit Card?

By Len Penzo

Student credit cards are specifically targeted at younger people who want to build their credit. These cards usually have higher interest rates than other cards because the people who use them have a limited credit history. Even so, by law, all ...

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December 17, 2020

7 Tips University Students Can Take Advantage of to Save Money

By Enero Febrero

College time is an expensive period of life. Lots of students have to pay for their tuition or repay credits. In addition, the rental fees are going up from year to year. Even if you are not a party person and dedicate all the time you have to study, ...

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October 23, 2020

14 Unconventional Money Moves That Are Smarter Than You Think

By Len Penzo

Life doesn't always turn out as you might expect it to. The truth is, many things in life often defy all sense of logic. For example, there was a time when a reasonable person watching Justin Bieber sing on a city sidewalk for spare change would ...

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October 5, 2020

How to Launch Your Own Business as a Student

By Enero Febrero

Many of the most successful businesses we know started in colleges; Facebook, Dell, Insomnia Cookies, and dozens of world-class brands were once just random ideas written down into a textbook on a campus. Starting your business as a student may be ...

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August 14, 2020

The Top 10 Ways to Save Money in College

By Enero Febrero

Many parents with kids in college cover their dormitory fees, living, tuition costs, and sometimes, even their 'write my essay' requests for essay services. But at this age, students want more freedom, and for many of them, it consists of a ...

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August 7, 2020

The Undeniable Benefits of Studying Abroad

By Sabado Domingo

For individuals from some countries, studying abroad may be the only way to receive a quality education. However, this is not to say that prospective students from more privileged countries don't stand to benefit significantly from schooling abroad. ...

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July 21, 2020

Power to the Pinched! The Personal Finance Anarchist Cookbook

By Len Penzo

Once upon a time, no self-serving radical activist would be caught dead without The Anarchist Cookbook and its misguided recipes for making homemade bombs, tear gas, and other sinister items out of everyday household products. Of course, that got ...

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July 20, 2020

Federal vs. Private: Your Guide to Different Student Loan Types

By Enero Febrero

It doesn't matter if you are planning on taking out student loans in the near future or have in the past, student loans can be confusing. Trying to understand the types of student loans might leave you feeling overwhelmed. Keep reading to learn ...

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January 31, 2020

100 Words On: The Most Valuable Subject Taught In Grade School

By Len Penzo

If you're looking to earn the biggest annualized net return on your college investment, studies consistently show that your best bet is via a science- or math-based technical degree. With that in mind, one would assume science or math is the most ...

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November 7, 2019

Why College Students Take On Loans They Can’t Repay

By Enero Febrero

The entire situation with college loans is somewhat controversial. While some argue that student loans are the only way for most American students to attain education, others claim that their mere existence is a sign of a deteriorating educational ...

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November 1, 2019

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