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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Emergency Loans: What Are They and How Can You Get One?

By Sabado Domingo

You might be experiencing a financial emergency right now without enough money saved up to cover the expenses. If that sounds like you, the good news is emergency loans are available to help you with your problem, as they can provide fast funding to ...

Continue reading Emergency Loans: What Are They and How Can You Get One?

December 2, 2021

How to Raise Capital for Starting Your Business

By Sabado Domingo

Every business has a story and inevitable challenges that they had to face when they began their journey. However, businesses that face hardship are often the ones that succeed. While talent, skill, and intellectual abilities are crucial to ...

Continue reading How to Raise Capital for Starting Your Business

December 2, 2021

3 Credit Score Myths that Can Keep You from Growing Financially

By Tex Freitag

You learn how critical credit scores are to your quality of life from the moment you enter adulthood. Whether you apply for student loans, credit cards, auto loans, rent, mortgage, and in some cases, a job, your scores play a significant role, as ...

Continue reading 3 Credit Score Myths that Can Keep You from Growing Financially

November 17, 2021

5 Personal Finance Tenets That Aren’t as Smart as They Used to Be

By Len Penzo

When I was a kid I used to love the fun houses found at summer carnivals and local fairs. I loved the sense of twisted reality provided by image-distorting mirrors and the wacky side-rooms where water appeared to flow uphill and it was nearly ...

Continue reading 5 Personal Finance Tenets That Aren’t as Smart as They Used to Be

November 1, 2021

6 Ways to Overcome a Bad Credit Report

By David Mills

Do you have problems managing your finances? Are you unable to meet your deadline repetitively? If you answered 'Yes' to both questions, don't feel disheartened; you're not alone. According to a report from the Corporation for Enterprise ...

Continue reading 6 Ways to Overcome a Bad Credit Report

October 20, 2021

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 ...

Continue reading 10 Great Ways to Avoid Student Loan Debt

October 19, 2021

A Guide to No-Check Credit Loans

By Sabado Domingo

You might have heard of no-credit-check loans before now. These can be used in the case that you need fast access to cash for an emergency, this could be a car repair, a medical procedure, and so on, in spite of what your credit is like. With ...

Continue reading A Guide to No-Check Credit Loans

October 18, 2021

How to Get Hired for a New Job Even Though You Have Bad Credit

By Neal Frankle

Finding a good-paying job is never easy. And if you've got some scuff marks on your credit history, the task is even more challenging. Not many employers hire people without first combing through their credit report these days. That's because the ...

Continue reading How to Get Hired for a New Job Even Though You Have Bad Credit

October 12, 2021

5 Valuable Tips to Help You Achieve Financial Freedom

By Sabado Domingo

Are you constantly worried about money? Do you struggle to make ends meet from one month to the next? If so, you may benefit from taking a few steps to help improve your financial habits and health. You can start your quest for financial freedom by ...

Continue reading 5 Valuable Tips to Help You Achieve Financial Freedom

September 30, 2021

Great Ways to Find the Best Interest Rate for Your Home Loan

By Sabado Domingo

Mortgages can eat you alive. That's because even after identifying the home loan particulars you're looking for, you still have to find the best deal. For example, you may know that you are looking to finance $500,000 for 30 years. But how do you ...

Continue reading Great Ways to Find the Best Interest Rate for Your Home Loan

September 22, 2021

4 Ways to Cut Your Expenses and Reduce Your Cost of Living

By Sabado Domingo

Living can be expensive. Fortunately, there are more than a few ideas that you can take advantage of to make living more affordable. Here are four financial tips that can help reduce your expenses. 1. Track Your Spending Habits Tracking your ...

Continue reading 4 Ways to Cut Your Expenses and Reduce Your Cost of Living

September 16, 2021

4 Good Reasons Why You’re Overspending (and How to Stop It)

By Tex Freitag

During the second quarter of 2021, household debt in the United States jumped from $313 billion to $15 trillion. Credit card debt, in particular, rose to $787 trillion -- $17 billion higher than the previous quarter. This spike shows that it's more ...

Continue reading 4 Good Reasons Why You’re Overspending (and How to Stop It)

September 15, 2021

How I Manage My Finances In Just 15 Minutes Every Month

By Jim Wang

I'm not afraid of hard work; I'm deathly afraid of dumb work. I hate waiting in lines, I hate doing the same thing over and over again, and I hate doing something slow if there's a faster way to go about it. The engineer in me goes absolutely ...

Continue reading How I Manage My Finances In Just 15 Minutes Every Month

September 14, 2021

Bankruptcy: Financial Suicide or Fresh Start?

By Sabado Domingo

There are lots of things that you can do to commit financial suicide, especially when you live in a state with a high cost of living like California. If you do too many of them you can find yourself staring down the barrel of potential bankruptcy. ...

Continue reading Bankruptcy: Financial Suicide or Fresh Start?

August 25, 2021

5 Ways to End Your Financial Worries This Year

By Sabado Domingo

If your financial worries are keeping you awake at night, now is the time to address them and start making positive changes. It may seem like your problems can't be solved, but they can be and there are things you can do to make your money problems ...

Continue reading 5 Ways to End Your Financial Worries This Year

August 19, 2021

The Benefits of Financial Literacy to the Newest Generation

By Sabado Domingo

Knowing how to handle your finances by making the right decision is called financial literacy. It is the set of skills or knowledge that can help you achieve financial success. Many people don't bother to learn how to manage their finances because it ...

Continue reading The Benefits of Financial Literacy to the Newest Generation

August 6, 2021

How to Budget Your Discretionary Income for Non-Essential Purchases

By Sabado Domingo

After covering basic expenses like rent or mortgage payments, car payments, groceries, utilities, and so on, it can be hard to cut back on more fun discretionary spending such as going out to eat or buying the latest video game. However, by budgeting ...

Continue reading How to Budget Your Discretionary Income for Non-Essential Purchases

July 30, 2021

4 Life Saving Strategies for Those Who Are Deep In Debt

By Enero Febrero

If you're in a serious and seemingly irrevocable financial problem, you should consider your options. While it's not an easy task to fix your money problems, with some hard work, you can enjoy a financial future full of hope. If you are deep in debt, ...

Continue reading 4 Life Saving Strategies for Those Who Are Deep In Debt

July 29, 2021

8 Reasons Why You Should Consider Getting a Secured Credit Card

By Tex Freitag

It's normal to be wary of traditional credit cards. You might be trying to avoid debt or rebuild your credit from the ground up. Fortunately, you have options. Secured credit cards, for example, can be a smart alternative to the other plastic in ...

Continue reading 8 Reasons Why You Should Consider Getting a Secured Credit Card

July 22, 2021

10 Famous People Who Have Gone Bankrupt

By Mikey Rox

Being rich and famous can set you up for life -- and well beyond that -- but it also can make otherwise smart people do really stupid things with their money. Just ask MC Hammer, who very famously filed for bankruptcy after spending his estimated $33 ...

Continue reading 10 Famous People Who Have Gone Bankrupt

July 20, 2021

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