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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Private Jet Service Costs: Are They Worth It?

By Louise Vinciguerra

Have you ever wondered if a private jet service cost is worth it? Imagine this scenario: You pull up to your plane at a small airport. Then you walk directly from your car onto the jet. Your bags -- weighing more than 50 pounds apiece! -- are whisked ...

Continue reading Private Jet Service Costs: Are They Worth It?

January 29, 2025

14 Ways to Celebrate Valentine’s Day on a Budget

By Mikey Rox

Ironically, there are a lot of broken hearts on Valentine's Day. Here's how to celebrate Valentine's Day on a budget by keeping the money you spend to a minimum while kicking the thoughtfulness up a notch: Celebrate the Day Before -- or After It's ...

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January 28, 2025

7 Financial Literacy Tips for First-Time Credit Card Holders

By Enero Febrero

financial literacy tips

Filipinos are now more prosperous and eager to spend than ever; they also hunger for financial literacy tips. For their part, Philippine credit card providers have shown themselves ready to address this need. Indeed, credit cards now offer more perks ...

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January 27, 2025

Why Your Expensive Car Doesn’t Impress Smart People

By Len Penzo

expensive car cheap house

A reader named Jennifer left a comment on my blog lamenting expensive cars and the sense of entitlement she saw in many people. Here is an excerpt: I know a woman who is a single mother and hit up her friends for money to replace the engine in her ...

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January 27, 2025

Black Coffee: Fake It ‘Til You Make It

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what's been going on in the world of money and personal finance. I hope everybody had a wonderful week. ...

Continue reading Black Coffee: Fake It ‘Til You Make It

January 25, 2025

How to Get a Mortgage with Bad Credit

By Len Penzo

Are you searching for how to get a mortgage with bad credit? Well ... finding a mortgage when you have a bad credit score is not impossible. However, it usually requires the borrower to make a few concessions, such as paying a higher interest ...

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January 23, 2025

Dora the Explorer’s Five Easy Steps to Financial Health

By Timothy Hoff

When I was little, I loved to watch cartoons. You know, the big ones: Quick Draw McGraw, Ruff & Reddy, Mighty Mouse. OK, so I'm an old guy. Anyway, in my youth, I did not have any interest in finance, personal or otherwise. That changed in my ...

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January 22, 2025

9 Preventative Car Maintenance Tips That Will Save You Money

By Corazon Gritar

We've all been there. You're perfectly sticking to your budget, staying away from extra purchases, and then out of nowhere, your car stops working. All of a sudden you have hundreds -- or even thousands -- of dollars' worth of work to do on your car ...

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January 21, 2025

Understanding Crypto Debit and Credit Cards

By Tex Freitag

crypto debit and credit cards

The rise of cryptocurrency has transformed the way we think about money, offering innovative solutions for modern finance. One such solution is the cryptocurrency card, a tool that bridges the gap between digital currencies and everyday transactions. ...

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January 20, 2025

A Tribute to the Vanishing Pay Phone

By Len Penzo

Maroon 5 has a song entitled "Payphone" and, every time I hear it, I can't help but wonder how many of their fans have ever used one. That got me to wondering: How many pay phones are there today? (To be clear, I'm talking about working public pay ...

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January 20, 2025

Black Coffee: Sweet and Sour

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what's been going on in the world of money and personal finance. Well ... another busy week is behind ...

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January 18, 2025

Grandfather Says: The Continuing Chronicles of Elaine, Part 58

By RD Blakeslee

The following was written by my late wife Elaine. She wrote a long book, a diary really, from which this is one passage: Selling the Piano Teaching Studio          We advertised the studio for sale and three years later it was bought by members ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 58

January 16, 2025

Weekly Meal Planning: Here’s How Singles On a Tight Budget Do It

By Sabado Domingo

Whether your kids have moved out of the house, or you've just left a relationship, being single doesn't have to mean lonely nights of greasy take-out or microwaved frozen meals. Smart weekly meal planning is a great way to support a tight budget, eat ...

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January 15, 2025

Education Spending: How Much Should Parents Spend on Technology?

By Anum Yoon

Back to school shopping isn't what it used to be. Not too long ago, when it came to education spending, the most technologically advanced product that a parent would buy their kid was one of those bulky graphic calculators. Now, that almost seems ...

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January 14, 2025

The 7 Deadly Sins of Personal Finance

By Len Penzo

I remember going to catechism as a kid and learning about the seven deadly sins. Maybe that's why an old national sin survey, conducted by a Kansas State University team of geographers, caught my attention. The provocative study measured and created ...

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January 13, 2025

Black Coffee: Living on Borrowed Time

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what's been going on in the world of money and personal finance. I hope everybody had an enjoyable week. ...

Continue reading Black Coffee: Living on Borrowed Time

January 11, 2025

Should I Pay Off My Mortgage Early?

By Len Penzo

The decision to pay off the mortgage early is always a hotly debated topic. Unfortunately, the question of "should I pay off my mortgage early?" can't be answered easily because everybody's circumstances are different. In fact, there is no right ...

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January 9, 2025

Investment Risk vs. Reward: 3 Important Strategies to Consider

By Sabado Domingo

When you're interested in investing some of your funds, it's important to consider investment risk vs reward. Of course, that depends on what your feelings are as an investor. For example, you need to consider whether you're someone who is open to ...

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January 8, 2025

11 Ways to Make Retirement Savings Grow Faster

By Mikey Rox

Want to retire early? The fastest way to do that is to step up your savings game and make your retirement savings grow faster. With that in mind, here are some suggestions for building your retirement fund at a quicker pace. Crunch the ...

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January 7, 2025

8 Misleading Claims People Often Make To Close a Deal

By Len Penzo

The other day I came across an old article that suggested a healthy dose of skepticism was essential when you're watching television commercials that make misleading claims for both prescription and non-prescription drugs. No, really. A study ...

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January 6, 2025

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