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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Got a Fixed Rate Mortgage? Root for High Inflation.

By Len Penzo

With all the liquidity that the governments of the world have been releasing into the economy, I believe it will only be a matter of time before we begin to experience a nasty bout of inflation that will force interest rates into territory not seen ...

Continue reading Got a Fixed Rate Mortgage? Root for High Inflation.

January 8, 2009

Living Within Your Means Has Its Rewards

By Len Penzo

First off, I know I sound like a broken record, but I will repeat myself yet again because it is a key tenet of this blog -- financial freedom can be attained by anyone, regardless of income level! "Financial freedom", folks, is not a two-word ...

Continue reading Living Within Your Means Has Its Rewards

January 6, 2009

Condition Yourself to Hate Paying Interest

By Len Penzo

God, do I hate to pay 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 ...

Continue reading Condition Yourself to Hate Paying Interest

January 4, 2009

Budgeting to Meet the Household Strategic Plan

By Len Penzo

A household budget should be based upon a well-thought strategic plan for the future. I've already discussed how to establish your household strategic plan so you can begin to build a household budget that meets your long-term strategic plan. ...

Continue reading Budgeting to Meet the Household Strategic Plan

January 3, 2009

Why You’re Broke: You Don’t Audit Your Spending Habits

By Len Penzo

Now that I've outlined a top-level job description for the household CEO it is time to begin breaking down each of those six top-level tasks in a little more detail. The biggest reason most people always find themselves broke and continually in ...

Continue reading Why You’re Broke: You Don’t Audit Your Spending Habits

December 29, 2008

What the Heck Does a Household CFO Do?

By Len Penzo

Being the household CEO can be a very lonely job indeed, but it doesn’t have to be.   In multiple-person households, there may be others (usually the spouse) who will wish, or even insist, to be a part of the financial management process.   Luckily, ...

Continue reading What the Heck Does a Household CFO Do?

December 27, 2008

What the Heck Does a Household CEO Do?

By Len Penzo

Okay, so you've heard me preach that the job of household CEO is a relatively easy one. I've already discussed the primary qualifications that every household CEO must have in hand, but just what is it that a household CEO does? To answer that ...

Continue reading What the Heck Does a Household CEO Do?

December 26, 2008

The Sad Consequences of Fiscal Irresponsibility

By Len Penzo

The first step to becoming a successful household CEO is to understand the tragic consequences of fiscal irresponsibility. A household CEO that fails to understand this is equivalent to an automobile driver trying to navigate rush hour traffic with a ...

Continue reading The Sad Consequences of Fiscal Irresponsibility

December 16, 2008

Better Late Than Never

By Len Penzo

A recent article in Ars Technica stated that Technorati has tracked 133 million blogs since 2002. Consider this blog number 133,000,001. So what if I am five years or so late getting onto the blogging bandwagon? Better late than never, right? I ...

Continue reading Better Late Than Never

December 11, 2008

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Disclaimer

This site is for informational and entertainment purposes only, and the content herein should not be mistaken for professional financial advice. In fact, making investment decisions based on information published here, or any other website for that matter, is more than unwise; it is folly. This website accepts advertising in the form of monetary and other compensation; as such, topics of discussion are occasionally influenced by these advertisers. Sometimes, an article may also include affiliate links, meaning, at no additional cost to you, this blog earns a commission if you click through and make a purchase (for example, as an Amazon Associate I earn from qualifying purchases). Remember, you and you alone are responsible for the decisions you make in life, so please contact an independent financial professional for advice regarding your unique personal situation.

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