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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

What to Consider When Trying to Get a Car Loan with Bad Credit

By Sabado Domingo

Anyone who has ever had a bad credit history and low credit score will know just what a serious impact it can have on their futures. When your credit is damaged, you may struggle to get any form of finance from mainstream lenders, and this includes ...

Continue reading What to Consider When Trying to Get a Car Loan with Bad Credit

May 13, 2020

A Startup’s Guide to Working Capital Loans: Everything to Know

By Tex Freitag

business statements with pen and calculator

According to data by the Federal Reserve, 40% of businesses have a hard time paying their operational expenses. For such business, failure to access working capital financing can lead to low or no investment in other critical operational areas for ...

Continue reading A Startup’s Guide to Working Capital Loans: Everything to Know

May 7, 2020

5 Finance Management Tips Everyone Wishes They Had Known Sooner

By Enero Febrero

Nowadays, money is everything; it pays the bills, secures a future, and makes life more comfortable. But, if we want to live the dream and never stress about finances, we need to know how to manage them. Of course, if you are in a pinch and need ...

Continue reading 5 Finance Management Tips Everyone Wishes They Had Known Sooner

May 5, 2020

5 Steps to Better Money Management

By Tex Freitag

Millions of Americans are out of work, oil prices are at record lows, and we're only at the beginning of the coronavirus crisis. While you're working on protecting your physical health in the face of this pandemic, there's never been a better time to ...

Continue reading 5 Steps to Better Money Management

May 4, 2020

Is It Better to Borrow From a Bank or Private Lender?

By Tex Freitag

If you're considering a personal or business loan to get you through a financial hardship, you need to know the difference between a bank and private lender. Many people need financial help from time-to-time, and most commonly this is in the form ...

Continue reading Is It Better to Borrow From a Bank or Private Lender?

April 17, 2020

The 6 Most Common Ways to Finance a New Car

By Sabado Domingo

There are multiple ways to finance your new vehicle, but be careful: Some are riskier than others and all of them require some discipline and financial planning. So consider these tips and strategies to memory before you think about buying your next ...

Continue reading The 6 Most Common Ways to Finance a New Car

April 15, 2020

Can I Get an ATV Loan with Bad Credit?

By Sabado Domingo

Having bad credit will impact your ability to be approved for financing, or otherwise affect the loan terms that you're able to receive. In fact, you may find that you won't be eligible for any kind of loan from any lenders. The lower your credit ...

Continue reading Can I Get an ATV Loan with Bad Credit?

April 8, 2020

What to Do If You Need an Urgent Cash Advance

By Sabado Domingo

Experiencing a financial emergency but don't have the cash to hand to sort it out? Yes, a payday loan gives you access to fast cash -- but for the "opportunity" you'll be charged an exorbitant amount in interest. So before you head down that route, ...

Continue reading What to Do If You Need an Urgent Cash Advance

April 3, 2020

How to Manage Your Finances During a Depression

By Enero Febrero

By all measures, it has been a bad month for the American economy. Whether or not we're about to enter a deep full-scale recession -- or possibly even a depression -- isn't quite clear yet. However, it's fairly obvious that the coronavirus pandemic ...

Continue reading How to Manage Your Finances During a Depression

March 26, 2020

Short Term Loans vs. Credit Cards: Which Is Better?

By Sabado Domingo

There are several reasons why you might want to take out a short-term loan or credit card. Perhaps you need to pay for an emergency repair, spread the cost of a big purchase, or consolidate your debts into one lump sum to clear them more quickly. ...

Continue reading Short Term Loans vs. Credit Cards: Which Is Better?

March 18, 2020

Why Visualizing Your Financial Future Is So Important – and How to Do It

By Bret

There are millions of posts and thousands of books explaining how to improve your finances. In fact, much of this information seems to get recycled back and forth. I have found only a couple of good books and posts that deal with the visualization of ...

Continue reading Why Visualizing Your Financial Future Is So Important – and How to Do It

March 11, 2020

How the Best Entrepreneurs Manage Their Finances

By Sabado Domingo

Money problems; virtually everyone has them. After all, the average American has about $38,000 in personal debt. That's a massive amount that many won't even manage to pay off in their lifetime. When dealing with a tough financial situation, though, ...

Continue reading How the Best Entrepreneurs Manage Their Finances

February 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 ...

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

January 31, 2020

Personal Finance Course: How to Organize Your Money

By Sabado Domingo

Money. It's something you earn and something you spend, but do you ever feel like you'd like to have a better grip on it? Approximately 67% of American families claim to live on a budget but many people living on a budget still feel like they ...

Continue reading Personal Finance Course: How to Organize Your Money

January 30, 2020

5 Simple Tips That Will Help You Manage Your Loan Responsibly

By Sabado Domingo

You had your doubts, but one of the lenders offering bad credit loans approved your loan application. Now it's time to turn your attention to managing the loan to the best of your ability. Here are five tips that will help keep you on track and ...

Continue reading 5 Simple Tips That Will Help You Manage Your Loan Responsibly

January 17, 2020

3 Creative Ways to Get Out of Debt

By Enero Febrero

The issue of rising debt is becoming so common in our society nowadays. With debt levels in the private and public sector at historic highs, it is no wonder that more people are talking about the problems of debt than ever before. Now, we've all ...

Continue reading 3 Creative Ways to Get Out of Debt

January 17, 2020

4 Tips for Making Your Daily Budget Planning Easier

By Sabado Domingo

It's easy to get caught up in a busy schedule and forget to manage your finances. Even if you have a budget plan for the month, sticking to it is tricky. But not to worry, as there are a few simple tips and tricks available that can help make the ...

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January 10, 2020

4 Resolutions That Can Help You Improve Your Finances

By Sabado Domingo

As the days slowly grow longer, our thoughts tend to focus on the new year and all of the challenges that lie ahead. A new year can be a motivator in making some important changes in our lives; many people like to think of it as a fresh start when it ...

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January 1, 2020

8 Finance Rules To Live By In the New Year

By Sabado Domingo

We're about to ring in a new year; that means it's time to clean the slate, get rid of old baggage, amp up the exercise, and create new goals! So why not also make goals for your personal finances? For many, the new year is the right time to ...

Continue reading 8 Finance Rules To Live By In the New Year

December 27, 2019

100 Words On: Why It Pays to Keep It Simple, Stupid

By Len Penzo

Keep it simple, Stupid. That's something we've all been told at one time or another, for any variety of reasons. That's usually sage advice -- especially when it comes to managing your personal finances. There's no need to make things complicated. ...

Continue reading 100 Words On: Why It Pays to Keep It Simple, Stupid

December 19, 2019

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