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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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 ...

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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 ...

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January 17, 2020

4 Surprising Truths You Must Learn Before You Can Be Rich

By Paula Pant

Success is psychological. Whether your goal is to become rich, lose 20 pounds or learn another language, your mindset is your strongest weapon. You are your own greatest asset -- and your own worst enemy. So today I'd like to share four truths you ...

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January 13, 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

19 Things Your Millionaire Neighbor Won’t Tell You

By Len Penzo

Although having a million bucks isn't as impressive as it once was, most people still consider it as a sign of financial success. And judging by the number of actual millionaires enjoying life in the world today, there are apparently quite a lot of ...

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January 6, 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 ...

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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. ...

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December 19, 2019

Great Tips and Strategies for Successful Mortgage Refinancing

By Sabado Domingo

Whenever interest rates are rising, it's essential to be aware that the sooner you make the decision to refinance your mortgage, the better price you can expect to get. But this doesn't mean mortgage refinancing should be taken lightly, as it's a ...

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December 11, 2019

7 Basic Financial Goals Everyone Should Strive For

By Enero Febrero

Financial security is becoming the top priority for people around the globe. Gone are the days when having wealthy parents guaranteed a financially-secure life for their kids. Today, almost everyone has to work hard to ensure their financial ...

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December 3, 2019

10 Key Characteristics of Debt-Free People

By Len Penzo

The other day a friend and I were discussing why some people manage to live their lives in complete control of their finances, while others are continually struggling to get out of debt -- no matter how much money they make. Financial freedom can be ...

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December 2, 2019

5 Alternative Lending Options for Funding Your Startup Business

By Enero Febrero

Timely financing is one of the most important factors in the success of any business. After all, many businesses fail to succeed during their first year of operation because of a lack of funding. And since money is the bloodline of any business, it's ...

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November 27, 2019

5 Effective Ways To Solve Your Debt Problems

By Sabado Domingo

Debt is such a nightmare to most of the people who deal with finances in everyday life. When left unresolved, debt can take a toll on your life and can adversely affect your relationships, productivity and even mental health. It'll be challenging for ...

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November 21, 2019

100 Words On: The Dumbest Place Where People Use Credit Cards

By Len Penzo

Responsible folks love the plastic in their wallets because credit card benefits simply can't be matched by cash. However, there are several places where credit cards should never be used. Financially speaking, one of the most expensive mistakes any ...

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November 21, 2019

3 True Loan Stories: How to Lend Money to Family & Friends

By Len Penzo

Giving out a loan is always a dicey proposition. After all, once you lend the money, there's no guarantee it will be repaid. The stakes are even higher when we lend money to our friends and family -- or even cosign a loan -- because we not only ...

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November 11, 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

What To Consider When Shopping Around for a Small Business Lender

By Tex Freitag

You're no longer living in a day and age where a standard bank loan is your only option if you're in the market for business funding. These days, there are plenty of alternatives that offer much better solutions, especially if you actually run a ...

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October 30, 2019

Is Getting a Loan With Bad Credit a Good Idea?

By Enero Febrero

Getting a loan with bad credit might seem like a daunting task -- and it is. But, there are times when a person doesn't have any other option than to go for a loan. If you have been turned down by one lender, don't lose all hope and assume that ...

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October 8, 2019

7 Big Reasons to Pay Off Your Debt Now!

By Enero Febrero

Being in debt isn't something to be proud of. Debt can be your worst financial disaster, depending on the amount you owe and the kind of debt you have. Of course, when it comes to paying off your debts, you really have to be serious about it if you ...

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October 4, 2019

Take Control of Your Finances: A Few Simple Steps to a More Secure Future

By Tex Freitag

So many of us struggle to keep track of our spending and balance fun and excitement with the need for long term security. The good news is that you don't have to sacrifice your hobbies or interests in order to be a master saver. All you need to do is ...

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October 1, 2019

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