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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

13 Yucky Halloween Treats Kids Would Rather Toss Than Eat

By Len Penzo

Back when I was a kid, every year at Halloween I'd come home from my trip around the neighborhood and eagerly empty the booty I had plundered from my neighbors onto the kitchen table. Most of it was the typical fare like the miniature Halloween ...

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October 7, 2024

Black Coffee: Whatever It Takes

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've got another busy weekend ahead of ...

Continue reading Black Coffee: Whatever It Takes

October 5, 2024

Home Projects to Focus Your Renovation Budget On

By Corazon Gritar

Renovating a home can be an exciting yet daunting task, especially when working with a tight budget. With numerous areas to upgrade, homeowners often wonder which projects will yield the most value and satisfaction. This article delves into the key ...

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October 3, 2024

How to Get a Free Credit Score

By Len Penzo

Your credit score is a financial report card that tells lenders how risky it is to do business with you. Credit scores are especially important for homebuyers because a high score indicates that they are more likely to pay back a loan. And that means ...

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October 3, 2024

5 Things Everyone Should Know About Corporate Finance

By Enero Febrero

Whether you're dealing with a household grocery budget, a home mortgage, or end-of-year income tax calculations, financial matters can be confusing. However, corporate finance and keeping control of your finances is a vital aspect of managing your ...

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October 2, 2024

How to Determine Your Housing Budget After a Divorce

By Corazon Gritar

Ending a marriage can dramatically alter your financial landscape, and one of the most pressing matters to address is your housing budget after a divorce. Understanding how to assess your financial situation post-divorce is essential for successfully ...

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October 1, 2024

How to Budget for Dental Braces as an Adult

By Corazon Gritar

Let's face it: dental work of any kind isn't cheap. Are you working within a tight budget for dental braces? Or do you just want to have a better grasp of the overall cost of braces or Invisalign treatments? Then we've got you covered! In fact, we've ...

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October 1, 2024

This Week’s Money Horoscope

By Len Penzo

Obligatory Disclaimer: Okay ... I only had one astrology lesson -- and it was a self-taught one at that -- so these money horoscope predictions may not be 100% accurate. Capricorn - (December 22 - January 20) Neptune is rising which indicates ...

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September 30, 2024

Black Coffee: Questions Without Answers

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. ...

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September 28, 2024

Grandfather Says: The Continuing Chronicles of Elaine, Part 50

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: To get my special ed certification, I completed six courses, one per semester, which was hard after working with students and ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 50

September 26, 2024

Is a College Degree Necessary Today?

By Tex Freitag

Is a college degree necessary? Well ... possession of a university degree is still an important factor for many employers. So the question that we should really consider is whether having a degree is the only door to a successful future. Forty-one ...

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September 25, 2024

Is It Worth Investing in Marijuana Stocks?

By Anum Yoon

The debate over the merits of legalizing marijuana won't come to a close anytime soon. At the same time, the merits of investing in marijuana stocks also have their share of proponents and detractors. Marijuana Investing Pros and Cons While more ...

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September 24, 2024

Patience In Personal Finance: Why It’s a Tremendous Virtue

By Len Penzo

Although I haven't conducted a scientific study, I suspect that most people of modest means who are successfully managing their money understand the importance of patience in personal finance. Let's face it: Most debt-free people aren't impulsive ...

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September 23, 2024

Black Coffee: Stupid Money Games

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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September 21, 2024

How Much Can I Afford to Borrow for a New Home?

By Len Penzo

One of the biggest questions for first-time homeowners is this: How much can I afford to borrow? Although there are exceptions to every rule, mortgage providers generally require your total debt to be no more than 36% of your pre-tax income. Your ...

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September 19, 2024

How to Pay Off Your Student Loan Faster

By Sabado Domingo

One of the biggest obstacles that prevent many graduates from investing either independently or through an adviser is the student loan. Student loans can weigh down individuals from seizing rewarding financial opportunities until they're cleared of ...

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September 18, 2024

3 Ways to Get Your Small Business Finances Back On Track

By Corazon Gritar

Running a small business can be a thrilling yet challenging endeavor. Financial hurdles are a common concern for many entrepreneurs. And getting those small business finances back on track can sometimes seem overwhelming. However, with the right ...

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September 17, 2024

Personal Finance Bad Habits: The 33 Biggest Ones to Avoid

By Len Penzo

I'm a total neat freak. Always have been. Truth be told, the Honeybee is a neat freak too. I think that's a big reason why we get along so well. Oddly enough, our teenage kids are the exact opposite. They're allergic to neat. The other day I ...

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September 17, 2024

Your Christmas Fund: 12 Ways to Save $2000 Before the Holidays

By Mikey Rox

September is here and the holidays are less than three months away, so if you don't yet have enough cash stashed in your Christmas fund to cover all the upcoming expenses -- like hosting family dinners, gifts, and all that extra gas you'll use ...

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September 17, 2024

Mailbag: How to Sell Your Gold and Silver

By Len Penzo

Hi Len, I read in your blog that you recommend APMEX for buying precious metals. I've saved money to buy some bullion and I'm ready to invest! I'm just having trouble researching how to sell my gold and silver when the time comes. Can you shed some ...

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September 16, 2024

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