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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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 ...

Continue reading 6 Cheeky Ways Frugal People Save Money

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 ...

Continue reading What Influences Your Credit Report Score?

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 ...

Continue reading Black Coffee: Pass the Cream and Sugar

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 ...

Continue reading When Does a Hobby Turn Into a Business?

March 31, 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 ...

Continue reading Black Coffee: Pardon My French

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 ...

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

March 23, 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 ...

Continue reading Real Estate Agents: Why They’re Not Worth It

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 ...

Continue reading How to Buy Tax Liens as an Investment Opportunity

March 17, 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

100 Words On: Why Frugality Has Its Limits

By Len Penzo

The main benefit of frugality and saving is they're good habits that lay a strong personal finance foundation. That being said, the frugal lifestyle definitely has its limits. Although scrimping and cutting corners can result in significant savings, ...

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March 9, 2017

Black Coffee: The Buttercups in Silicon Valley are Blooming Early

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 Buttercups in Silicon Valley are Blooming Early

March 4, 2017

Black Coffee: Giving New Meaning to the Term “Bull” Market

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 ...

Continue reading Black Coffee: Giving New Meaning to the Term “Bull” Market

February 25, 2017

Black Coffee: The Presidents’ Day Weekend 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 ... In ...

Continue reading Black Coffee: The Presidents’ Day Weekend Edition

February 18, 2017

100 Words On: The Trouble With Whole Life Insurance (vs. Term)

By Len Penzo

The key difference between term and whole life insurance is simple. Term life pays the face amount of the policy in the event of your death, while whole life combines a term policy with an added investment component. Yes, whole life may sound like a ...

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February 16, 2017

Black Coffee: And for My Next Trick …

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 ... There is no ...

Continue reading Black Coffee: And for My Next Trick …

February 11, 2017

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