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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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How to Choose a Student Credit Card

By Len Penzo

For younger people who are just getting started in life, a student credit card is a terrific way to help establish a positive credit history. The most important consideration in choosing the best one for you depends on how you plan to use it. Here's ...

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Leave a Comment June 12, 2025

What Is the Statute of Limitations On Debt?

By Len Penzo

When it comes to old unpaid debts, many people hear the term “statute of limitations” and get a little confused – or sometimes overly hopeful. There’s a common belief that certain actions with old debts can extend how long those debts stay on your ...

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Leave a Comment June 5, 2025

How Can I Pay Off My Credit Card Debt?

By Len Penzo

It's no secret that financially-strapped people often wonder: How can I pay off my credit card debt? But do you ever wonder why you should you quickly repair your debt problems? Because credit card interest rates can be as much as 20% or more, it's ...

Continue reading How Can I Pay Off My Credit Card Debt?

May 15, 2025

Millennials Aren’t Using Credit Cards, But Experts Think They Should

By Corazon Gritar

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; ...

Continue reading Millennials Aren’t Using Credit Cards, But Experts Think They Should

May 6, 2025

How to Improve Your Credit Score

By Len Penzo

Your credit score is one of the most important factors that determine your financial future. It affects everything from getting a loan for a new car to renting an apartment or even landing a job. But improving your credit score isn't just about ...

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May 2, 2025

How Should I Choose a Credit Card?

By Len Penzo

It's only natural to wonder: "How should I choose a credit card?" That's because not all credit cards are created equal. In fact, when choosing a card, you'll quickly discover that there are hundreds of options for you to choose from so it makes ...

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May 1, 2025

The Pros and Cons of 7 Popular Student Loan Refinancing Options

By Enero Febrero

It's a sad reality that most students still can't graduate from a four-year university without being saddled with thousands of dollars of debt. And if you choose to stick with your standard loan repayment plan without looking into other options, you ...

Continue reading The Pros and Cons of 7 Popular Student Loan Refinancing Options

April 23, 2025

What Is a Credit Card?

By Len Penzo

What is a credit card? They're a tool that allows people to borrow money from their bank or a financial institution for the purchase of consumer goods and services. Because almost all businesses accept credit cards, there is virtually no limit to ...

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April 17, 2025

3 Things That People Overpay For

By Sabado Domingo

No matter how thrifty you think you are, the truth is, most people are constantly spending money; it's just part of being an adult. And if you have any level of property or responsibility at all, you have operating costs and overhead, just like a ...

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April 16, 2025

If I Were King: 10 Features Every Credit Card Should Have

By Len Penzo

Wouldn't it be great if you could design your own credit card? Imagine a credit card that would be absolutely perfect for you and your finances, down to the very last detail. So, what are the most important features every credit card should have? ...

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April 14, 2025

Taking Control of Your Financial Future

By Sabado Domingo

financial future

Taking control of your financial future may seem like a daunting task, but it's one of the most empowering things you can do for yourself. Whether you're looking to build your savings, tackle debt, or save for a major purchase, taking charge of your ...

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April 7, 2025

Are You Irrational About Money? This Quick Test Will Tell You!

By Len Penzo

Some things are seemingly impossible to explain. I mean, how do spiders know how to spin such beautiful webs? What ever inspired the construction of Stonehenge? And why is Taylor Swift so darn popular? One particularly perplexing question that ...

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March 31, 2025

A Primer on Bankruptcy Options and Potential Tax Liabilities

By Sabado Domingo

So, you are struggling financially and are curious about bankruptcy options. You've heard the rumors about those who have filed and prospered. You've also heard the tales about those who have filed and failed. Whatever the case may be, you want to ...

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March 26, 2025

5 Payment Card and E-Wallet Management Tips for First Jobbers

By Enero Febrero

e-wallet management

Landing your first job is a crucial milestone that not only jumpstarts your career, but also fulfills your financial goals. This is because having a source of income can significantly boost your cashflow. And that allows you to budget better, save, ...

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March 20, 2025

3 Financial Building Blocks That All Parents Should Teach Their Kids

By Enero Febrero

No one is born knowing about money, and some people don't figure it out at any point during adulthood. That's understandable when you're taught about basic financial building blocks as a child. Readers of Len's blog have taken it upon themselves to ...

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March 19, 2025

How Home Crowdfunding May Let Millennials Live the American Dream

By Corazon Gritar

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 ...

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March 18, 2025

Credit or Debit? How the Wrong Choice Hurts Small Businesses (and You)

By Mike Glanz

Hello all! My name is Mike. I'm a big time fan of Len Penzo, and it's a privilege to share some of my thoughts on his blog. I read Len's article on why choosing debit or credit is like picking salad dressing; in that post he mentioned that he always ...

Continue reading Credit or Debit? How the Wrong Choice Hurts Small Businesses (and You)

March 17, 2025

What Is a Subprime Mortgage?

By Len Penzo

What is a subprime mortgage? Well ... subprime mortgages are for homebuyers with poor or limited credit histories. Typically, this is anyone with a credit score under 620. They're also often the only type of loan available for people with good credit ...

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March 6, 2025

Lawsuit Loans: How They Work and How to Get One

By Tex Freitag

Lawsuits are costly procedures, to say the least. You must pay your lawyer's legal fees while the case is being fought in court. Then there is the time factor: some lawsuits take months, even years to reach a verdict. And if you're in an accident ...

Continue reading Lawsuit Loans: How They Work and How to Get One

March 5, 2025

Will Refinancing Save You Money? Here’s How to Tell

By Sabado Domingo

Are you considering the best ways to manage your finances while securing reliable financial support options? Lowering loan interest rates can significantly reduce your monthly payments and long-term expenses. Seeking professional advice ensures you ...

Continue reading Will Refinancing Save You Money? Here’s How to Tell

March 4, 2025

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