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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Credit Cards: 4 Ways to Lower Your Interest Rate

By Todd Green

Over half of American households carry credit card debt from month to month. That means they're making interest payments that reduce the amount of money they have. Unfortunately, the higher your interest rate is, the more money you lose every month. ...

Continue reading Credit Cards: 4 Ways to Lower Your Interest Rate

October 16, 2024

Personal Finance App Review: You Need a Budget (YNAB)

By Len Penzo

In life, some people prefer chocolate while others like vanilla. And when it comes to personal finance, there will always be people who are comfortable managing their money using an Excel spreadsheet, while others prefer something a bit more ...

Continue reading Personal Finance App Review: You Need a Budget (YNAB)

September 4, 2024

How to Lower Your Smartphone Bill: 3 Ideas to Consider

By Anum Yoon

Smartphones are ubiquitous these days, but they aren't always cheap to use. So you'll be forgiven if you're the type who is always looking at how to lower your smartphone bill.  After all, a typical plan-based contract could set you back $150 a month ...

Continue reading How to Lower Your Smartphone Bill: 3 Ideas to Consider

August 27, 2024

Voice Filter Software: Accents and the Paradox of Perception

By Sabado Domingo

voice filter software

Accent bias is a form of discrimination where individuals are judged unfairly based on how they speak a language. This bias is widespread and often subconscious, affecting how people perceive and interact with each other. Interestingly, the ...

Continue reading Voice Filter Software: Accents and the Paradox of Perception

July 24, 2024

Money Saving Home Improvement Projects

By Corazon Gritar

Summer is here, but that doesn't mean you don't have any more time to improve your home. In fact, this time of year is one of the best to make some serious home improvements. But if you don't want to break the bank, here are a few money saving home ...

Continue reading Money Saving Home Improvement Projects

July 23, 2024

Why Is Digital Finance Important for E-commerce Businesses?

By Tex Freitag

We live in a digital world where it is hard to imagine running an e-commerce business without having the proper financial tools. After all, most of the action, if not all of it happens online, so a good digital finance infrastructure can make or ...

Continue reading Why Is Digital Finance Important for E-commerce Businesses?

July 10, 2024

Consumer Rights: What to Do When You Get a Defective Product

By Sabado Domingo

It happens to everyone: You open a box, only to find out that your shiny new object is defective. Or, you use it the first time and get hurt through no fault of your own. Thankfully, there are consumer rights for defective products. Here's what you ...

Continue reading Consumer Rights: What to Do When You Get a Defective Product

July 3, 2024

Exploring the Benefits of a Modern Ceiling Fan with Light

By Tex Freitag

When equipped with integrated lighting, modern ceiling fans offer a host of benefits that cater to both practical needs and aesthetic preferences. From enhancing illumination to improving air circulation, these dual-purpose fixtures have become ...

Continue reading Exploring the Benefits of a Modern Ceiling Fan with Light

May 30, 2024

How to Fix a Broken iPhone: 4 Hacks That Apple Won’t Tell You

By Sabado Domingo

Are you wondering how to fix a broken iPhone by yourself? Is it even possible? To be sure, however big the damage on your iPhone, it's definitely frustrating to see your prized possession a little worse for wear. Usually, people worry about the ...

Continue reading How to Fix a Broken iPhone: 4 Hacks That Apple Won’t Tell You

May 22, 2024

Today’s Most Profitable Property Investing Apps

By Erin Sanderson

We live in a data-driven society, one in which the fate of entire companies hangs on not just who can access the most information, but who can make the best use of it? When it comes to real estate investing, there are a number of software ...

Continue reading Today’s Most Profitable Property Investing Apps

May 15, 2024

4 of the Best iPhone Apps for Every Business Traveler

By Sabado Domingo

Business travel can be nerve-wracking on its own, without the added stress of trying to keep up with whatever you're missing out on back at the office. If you're worried about falling behind or being stuck out of the loop while you kill time in the ...

Continue reading 4 of the Best iPhone Apps for Every Business Traveler

April 24, 2024

3 Money-Saving Home Improvements

By Corazon Gritar

There's plenty of content out there about how you can save money on your home improvement projects. After all, almost 85% of the nation's homes were built before 1980 and are in need of some kind of improvement. But if you want to make your home ...

Continue reading 3 Money-Saving Home Improvements

April 23, 2024

14 Cooking Hacks for People Who Can’t Boil Water

By Mikey Rox

Being dependent on fast food and other restaurant meals can lead to all kinds of issues, like obesity and an empty wallet, respectively. Unfortunately, feeding yourself hot, healthy, delicious meals that you've made with your own two hands isn't ...

Continue reading 14 Cooking Hacks for People Who Can’t Boil Water

April 2, 2024

Gas or Charcoal Grill: Which Is More Cost Effective?

By Len Penzo

With warmer weather finally here and the recent demise of my old grill, I once again find myself considering one of the great debates of all time: Is a gas or charcoal grill better? When it comes to the question of grilling with propane or ...

Continue reading Gas or Charcoal Grill: Which Is More Cost Effective?

March 18, 2024

My Teenage Son, His Cell Phone, and the Bill for $1,055.20

By Len Penzo

We held out for as long as we could. We really did. Despite an intense and relentless lobbying effort from my son, the Honeybee and I stayed strong and denied his repeated requests for a cell phone. And, boy, were there a lot of requests. I ...

Continue reading My Teenage Son, His Cell Phone, and the Bill for $1,055.20

February 12, 2024

16 Reasons Why Whirlpool Tubs Are For Suckers

By Len Penzo

Once again, I thought I'd pass on a little advice and save a serious case of buyer's remorse for the six people left in America who are still looking to buy a home. No, no. I'm not going to tell you why corner lots are for suckers again. This ...

Continue reading 16 Reasons Why Whirlpool Tubs Are For Suckers

January 29, 2024

QuickBooks or Xero: Which Online Accounting Software Is Better?

By Enero Febrero

Does your small business need accounting software to keep track of its finances, but you don't like dealing with all of the usual technology mumbo-jumbo? Then try focusing on what are arguably the two most important factors: price and number of ...

Continue reading QuickBooks or Xero: Which Online Accounting Software Is Better?

January 24, 2024

How Smart Finance Is Using the Latest Technologies to Stay Ahead

By Len Penzo

If you want to stay ahead in business, you need to be willing to take risks and put yourself out there – something that Smart Finance (SmartFin) is most definitely taking extremely seriously. Let's dive into how Smart Finance is taking the lead by ...

Continue reading How Smart Finance Is Using the Latest Technologies to Stay Ahead

January 13, 2024

14 Reasons Why Treadmills Are For Suckers

By Len Penzo

For all of you folks out there who are thinking about getting into shape, I thought I'd pass on a little advice and save you a serious case of buyer's remorse. Believe it or not, treadmills are the most popular form of exercise equipment, which is ...

Continue reading 14 Reasons Why Treadmills Are For Suckers

December 11, 2023

5 Simple Ways to Avoid Online Fraud

By Tex Freitag

You are just setting out in your online business venture or research work, and falling prey to online scams is the last thing on your mind. As such, it's safe to say thinking about ways to avoid online fraud also isn't one of your top concerns. We ...

Continue reading 5 Simple Ways to Avoid Online Fraud

August 30, 2023

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