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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

8 Financial Resolutions To Adopt This Year

By Sabado Domingo

There's genuinely no better way to kickstart the new year than with a few motivational resolutions. And while most of us have listed resolutions like getting fit, eating healthier, and other common goals, deciding to make a few financial resolutions ...

Continue reading 8 Financial Resolutions To Adopt This Year

January 17, 2022

The Debt Business and How to Avoid Being an Economic-System Casualty

By Sabado Domingo

Does "the man" profit from you being in debt? The short answer: yes. There absolutely is money to be made by keeping people in debt. Think about it: You're granted a credit card with a $1500 limit and an interest rate of 17% (which sounds high ...

Continue reading The Debt Business and How to Avoid Being an Economic-System Casualty

January 12, 2022

100 Words On: Why Not All Debt is a Four-Letter Word

By Len Penzo

Not all debt is bad. Debt is generally okay whenever it is used to buy something that may increase in value. For example, going into debt can make perfect sense when you're trying to start a business, or expand an existing one. Very few people can ...

Continue reading 100 Words On: Why Not All Debt is a Four-Letter Word

December 30, 2021

These 4 Financial New Year’s Resolutions Are Actually Sustainable

By Sabado Domingo

One of the things that sets the human race apart from other species is our ability to learn by looking back at the past. But by this logic, New Year's resolutions should have long ceased to exist. After all, most people make enthusiastic New Year's ...

Continue reading These 4 Financial New Year’s Resolutions Are Actually Sustainable

December 24, 2021

What You Should Really Know About Credit Cards

By Sabado Domingo

Rifling through your wallet, you're likely to find an array of cards you might use for spending on certain products. Your main debit card is likely to be for regular shopping, such as for groceries, rent and utility bills. As for more peripheral ...

Continue reading What You Should Really Know About Credit Cards

December 15, 2021

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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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. ...

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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

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