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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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The Top 40 Ways to Improve Your Credit Score

By Len Penzo

One of the first and most important tasks most everybody should tackle as an adult is establishing and improving their credit score. That's because people with great credit enjoy lower loan rates that can result in serious monetary savings. After ...

Continue reading The Top 40 Ways to Improve Your Credit Score

January 1, 2024

Understanding the Math Behind the Mortgage

By Len Penzo

Last month, interest rates reached the psychological 8% barrier for the first time in more than a decade, and there is speculation that they will continue to rise. But do homeowners know the math behind the mortgage? After all, buying a home is a big ...

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December 20, 2023

Condition Yourself to Hate Paying Interest

By Len Penzo

God, do I hate paying interest! To anyone. For anything. I abhor paying interest, and I avoid it like the plague! You should too. I think that most people who currently enjoy a life of financial freedom have this distaste of interest payments ...

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December 18, 2023

How to Reestablish Credit Quickly

By Sabado Domingo

Your credit score is one of the most influential factors when it comes to your ability to achieve approval for a loan or credit card. In addition, your credit score can impact employment and ability to obtain insurance, as well as your living ...

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December 13, 2023

10 Old Wives’ Tales Masquerading As Financial Rules of Thumb

By Len Penzo

It's been said that if the palm of your right hand itches, you'll soon be coming into money. On the other hand (seriously, no pun intended), it's also been said that if your left palm itches you'll soon be paying out money. Don't laugh. There are ...

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December 4, 2023

One of the Biggest Money Mistakes a Household CEO Can Make

By Len Penzo

It's been said that failing to plan is planning to fail -- especially with respect to personal finances. And although you may be prepared, one of the biggest money mistakes any household CEO can make is to abandon their financial plan. Especially ...

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November 30, 2023

8 Smart Tips for Managing Your Personal Finances

By Sabado Domingo

If you manage your personal finances, it can often seem daunting. But following some smart strategies can help you take control of your money and set yourself up for financial success. Here are eight tips for effectively managing your personal ...

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November 20, 2023

How Debt Trouble Is Usually Related to Your Diet

By Len Penzo

Many folks in debt trouble who tally their assets and liabilities after years of modest but steady increases in income often end up scratching their heads, wondering why their net worth is nothing to write home about. Whether those in debt trouble ...

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November 16, 2023

5 Ways Smoking Negatively Affects Your Finances

By Anum Yoon

It's not likely you'll be able to find anyone in the United States who has escaped the message that smoking is hazardous to your health. After all, there's a Surgeon General's warning on every pack. And children learn about the negative effects of ...

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November 7, 2023

The High Cost of Being Poor (and How to Vanquish It)

By Gayle Tate

We have all seen difficult times, so that's nothing new. And there's a high cost of being poor. Let me explain: My wife and I started our business at exactly the wrong time. Although we established it in 1967, we opened our first brick and mortar ...

Continue reading The High Cost of Being Poor (and How to Vanquish It)

November 6, 2023

Financial Lifelines: Loan Types for Small Businesses and When to Get One

By Sabado Domingo

For all businesses, adequate money is vital in keeping operations afloat and obtaining many opportunities for upscaling and growth. Many businesses partner with banking institutions and lenders to fund their operations, especially startups and ...

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October 26, 2023

Why Tracking Your Expenses Is So Important

By Len Penzo

It's true; there are many folks out there who successfully manage their household finances without ever using a budget. Even so, most successful home money managers that don't have a budget still track their expenses and income. That's because trying ...

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October 19, 2023

Four Big Drawbacks to Store Credit Cards

By Len Penzo

The other day the Honeybee applied for a clothing-store credit card to take advantage of a deal that gave her a one-time savings of 15% off her purchase. I know. To tell you the truth, I'm not really that big of a fan of in-store credit cards, but ...

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October 16, 2023

An Overview of the Most Common Student Loan Options

By Enero Febrero

Do you need a student loan? Do you know what kind of student loan you want? Student loans are a confusing subject. And these days, most college students are relying on student loans to help meet the rapidly rise of cost of attendance at colleges ...

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September 27, 2023

6 Ways to Fix Your Finances: Smart Tips for Resuscitating Your Bank Account

By Mikey Rox

Stressed out by your financial situation? Aren't we all. Awhile back we presented six strategic financial moves you could make to regain control of your money situation -- and here are six more ways to fix your finances that are just as ...

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September 26, 2023

My 13-Year-Old Daughter Shares Her Financial Fears

By Lenina Penzo

I'm only 13 and I'm worrying about my future. Not in an academic kind of way, but in a financial one. Yes, kids have financial fears too! That's because there are certain things that terrify me about growing up and living on my own. Here is a list of ...

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September 25, 2023

The Pros and Cons of Higher Interest Rates

By Rebecca Kennedy

There's been quite a bit of chatter, from news sources to social media, about the potential for further hikes in interest rates. And although interest rates still remain at historically moderate levels, rumors of further moves by the Fed abound. The ...

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September 20, 2023

I’m Not Rich, But I’m Financially Free; Here’s How I Got There

By Len Penzo

Let's face it, the more choices we have in life, the richer and more rewarding it becomes. Fortunately, I'm currently in that coveted sweet spot of financial freedom where I can do pretty much whatever the heck I please, whenever I want. Don't get ...

Continue reading I’m Not Rich, But I’m Financially Free; Here’s How I Got There

September 18, 2023

3 Major Money Mistakes People Make When Financing Their Car

By Corazon Gritar

For most Americans, having a car is a necessity. Whether you take concrete highways -- which represent roughly 30% of all US interstate highways -- or unpaved pathways to get to work or school, the majority of people agree that it's better to rely on ...

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August 29, 2023

How to Control Your Expenses (and Ensure They’re Necessary)

By Enero Febrero

If you're wondering how to control your expenses, you're not alone. Controlling your expenses is one of the most important habits we need to develop. A person who overspends and has no money to fall back on as a precautionary measure will almost ...

Continue reading How to Control Your Expenses (and Ensure They’re Necessary)

August 23, 2023

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