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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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7 Ways College Students Can Get Cash for Housing, Books and Tuition

By Ethan Butler

College is expensive. It can be tough to keep up with tuition payments, room and board and textbook purchases; time is also at a premium. So, how can you possibly find the extra cash to pay for all of these things? Luckily, there are lots of ...

Continue reading 7 Ways College Students Can Get Cash for Housing, Books and Tuition

April 19, 2017

Black Coffee: Lucy in the Sky with Diamonds

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. Let's dive right in this week ... The ...

Continue reading Black Coffee: Lucy in the Sky with Diamonds

April 15, 2017

Why North Texas Is a Hotbed for Debt Relief Firms

By Enero Febrero

North Texas is becoming a popular destination for debt relief companies looking to set up shop. The region has become home to a range of firms including United Debt Counselors (UDC). The region has seen significant investment in retail and office ...

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April 14, 2017

6 Cheeky Ways Frugal People Save Money

By Sabado Domingo

Hands up if you love budgeting. The odds are, most of you will be shaking your heads, rolling your eyes, or perhaps even thinking about moving on. Seriously, who wants to read any more crap about how to budget? But wait! We know you've heard ...

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April 12, 2017

If You Can’t Live on $40,000 Per Year, It’s Your Own Fault

By Len Penzo

Awhile back I described ten common characteristics of debt-free people. In that article, I specifically asked my readers to consider this question: "Why is it that there are families out there with household incomes under $40,000 comfortably ...

Continue reading If You Can’t Live on $40,000 Per Year, It’s Your Own Fault

April 10, 2017

Black Coffee: The Crime and Punishment Edition

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. Let's kick this baby off, shall ...

Continue reading Black Coffee: The Crime and Punishment Edition

April 8, 2017

Smart Energy Investing: Insights Into the Oil Industry

By Zak Ford

The global oil industry is constantly evolving and responding to changing demands and market conditions, which makes it fertile ground for potential investment opportunities -- provided you know how to interpret data and investor sentiment. Here ...

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April 7, 2017

What Influences Your Credit Report Score?

By Sabado Domingo

If you've ever gotten a free credit report score, you've probably wondered exactly what factors influence your overall credit score. Unfortunately, your credit score is a complicated number that is influenced by a variety of factors that differ from ...

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April 5, 2017

Black Coffee: Pass the Cream and Sugar

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. A new month is upon us, so let's get ...

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April 1, 2017

When Does a Hobby Turn Into a Business?

By Tex Freitag

Most of us dream of having a full-time occupation that not only keeps our finances healthy, but also indulges our creative tendencies too. And many lucky entrepreneurs have managed to turn their pastimes into lucrative occupations in a way that shows ...

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March 31, 2017

How to Find and Evaluate the Best Home Warranty Insurance Providers

By Sabado Domingo

Every home is subject to wear and tear over its lifetime; both due to the normal process of aging and as a result of other risks such as fires, bad weather or earthquakes among others. Depending on the magnitude of repairs needed at any given ...

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March 29, 2017

Black Coffee: Pardon My French

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. Okay, let's get right to it this week ...

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March 25, 2017

100 Words On: When Financial Perfection Is the Enemy of Good

By Len Penzo

When it comes to matters of personal finance, trying to find the optimal solution can be counterproductive simply because many decisions don't require extensive research. One of the best examples of this is when comparison shopping for a certain ...

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March 23, 2017

Is 15% of Your Income an Adequate Savings Rate For Retirement?

By Barry Bensen

From the moment we start working, we're already thinking about retirement. Over the course of several decades, countless people put aside funds to ensure that when they are older and ready to hang their hats for the remainder of their life, they have ...

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March 22, 2017

The Honeybee Helps Me Review Blue Apron’s Home Delivery Meal Service

By Len Penzo

This is a product review for Blue Apron. Product Overview: Blue Apron is a fresh ingredient and recipe delivery service designed to help home chefs of all skill levels cook creative and tasty meals at home. Each week, Blue Apron does the menu ...

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March 21, 2017

Real Estate Agents: Why They’re Not Worth It

By Len Penzo

I've sold one house in my lifetime -- way back in 1997 -- and I did that without a real estate agent. Yep ... For sale by owner (or FSBO). It wasn't supposed to be that way.I actually started out with a realtor because I thought it would be crazy ...

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March 20, 2017

Black Coffee: The ‘Day Late and a Shamrock-Shake Short’ Edition

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. Let's dive right in this week ...

Continue reading Black Coffee: The ‘Day Late and a Shamrock-Shake Short’ Edition

March 18, 2017

How to Buy Tax Liens as an Investment Opportunity

By Enero Febrero

If you don't pay your taxes on time, then you could be slapped with a tax lien. This is a debt that will not be struck from your credit report unless you pay it off. And if a tax lien isn't paid off, then it can be sold to a third-party. In ...

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March 17, 2017

A Few Fun Facts About the Average Coupon User

By Erica Quinn

How often do you use coupons when you are shopping online or in local stores? One of the best ways to save money is by using coupons. It's no secret that more people are looking for smart ways to reduce costs -- and coupons are one of the easiest and ...

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March 15, 2017

Black Coffee: Decisions, Decisions

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. Let's get right to it ... Life is a ...

Continue reading Black Coffee: Decisions, Decisions

March 11, 2017

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