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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Home Appraisal Impacts on Your Mortgage: Tips for Budgeting

By Sabado Domingo

Buying a home is thrilling. It's also a financial puzzle. One key piece? The home appraisal. It might not get as much attention as your credit score or interest rate. However, there are home appraisal impacts nevertheless, as they can make or break ...

Continue reading Home Appraisal Impacts on Your Mortgage: Tips for Budgeting

April 9, 2025

This Blue Fruit Cuts $400 Off My Grocery Bill Every Year

By Len Penzo

Have you ever wondered why there aren't very many blue fruits or vegetables in nature? I know I have. In fact, most fruits and vegetables that people usually offer as examples of azure produce are actually purple. And, no, blueberries aren't blue; ...

Continue reading This Blue Fruit Cuts $400 Off My Grocery Bill Every Year

April 9, 2025

Is FOMO Breaking Your Budget? Here’s How to Stop It

By Anum Yoon

Is FOMO breaking your budget? FOMO -- the fear of missing out -- is a powerful feeling. It's defined as an anxiety that something exciting is happening somewhere that you're not. It may sound like a benign and harmless feeling, but FOMO controls us ...

Continue reading Is FOMO Breaking Your Budget? Here’s How to Stop It

April 8, 2025

Taking Control of Your Financial Future

By Sabado Domingo

financial future

Taking control of your financial future may seem like a daunting task, but it's one of the most empowering things you can do for yourself. Whether you're looking to build your savings, tackle debt, or save for a major purchase, taking charge of your ...

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April 7, 2025

If You Were Elon Musk: What It Feels Like to Be a Billionaire

By Len Penzo

Who doesn't dream about being rich? I'm certainly not afraid to admit I occasionally wonder how it would feel to be independently wealthy. The World's Richest People The other day I was reviewing a list of the world's billionaires and I noticed ...

Continue reading If You Were Elon Musk: What It Feels Like to Be a Billionaire

April 7, 2025

Black Coffee: Winners & Losers

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: Winners & Losers

April 5, 2025

How Do I Get Prequalified for a Mortgage?

By Len Penzo

The difference between being prequalified or preapproved for a home loan can be a critical factor in determining whether or not you'll get the home of your dreams. In short, prequalified homebuyers are far less attractive to sellers than shoppers who ...

Continue reading How Do I Get Prequalified for a Mortgage?

April 3, 2025

Money Problems? Here’s Why You Never Have As Much as You Think

By Tex Freitag

It's a common experience for millions of people to take a peek at the bank account balance, only to learn that there isn't nearly as much money available as anticipated. What happened to it? Perhaps you immediately implicate your spouse or ...

Continue reading Money Problems? Here’s Why You Never Have As Much as You Think

April 2, 2025

6 Ways to Create a Stylish Home Office on a Budget

By Anum Yoon

Flexible scheduling and the beauty of technology in the workplace has allowed for more opportunities than ever to work from home -- either part or full-time -- rather than hanging out in the office seven days a week. That being said, just any ...

Continue reading 6 Ways to Create a Stylish Home Office on a Budget

April 1, 2025

A Life Insurance Primer for Newbies

By Neal Frankle

Life insurance is boring. Who wants to curl up at night and read the fine print of a life insurance policy? Nobody normal that's for sure. Still, if other people rely on you financially, there's no topic more important. This is true for healthy ...

Continue reading A Life Insurance Primer for Newbies

March 31, 2025

Are You Irrational About Money? This Quick Test Will Tell You!

By Len Penzo

Some things are seemingly impossible to explain. I mean, how do spiders know how to spin such beautiful webs? What ever inspired the construction of Stonehenge? And why is Taylor Swift so darn popular? One particularly perplexing question that ...

Continue reading Are You Irrational About Money? This Quick Test Will Tell You!

March 31, 2025

Black Coffee: Covering the Bases

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. Another busy week is crossed off the ...

Continue reading Black Coffee: Covering the Bases

March 29, 2025

Grandfather Says: The Continuing Chronicles of Elaine, Part 63

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: More about pets We brought Heidi with us when we moved to Union from Warrenton. Great Danes aren’t known around Union, and some ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 63

March 27, 2025

A Primer on Bankruptcy Options and Potential Tax Liabilities

By Sabado Domingo

So, you are struggling financially and are curious about bankruptcy options. You've heard the rumors about those who have filed and prospered. You've also heard the tales about those who have filed and failed. Whatever the case may be, you want to ...

Continue reading A Primer on Bankruptcy Options and Potential Tax Liabilities

March 26, 2025

How to Prepare for a Job Interview and Walk Away a Winner

By Mikey Rox

You did it! You finally landed that coveted job interview. The hard part is over, but now another major challenge is on the horizon: the actual interview. For those who are wondering how to prepare for a job interview, read on to learn how to go ...

Continue reading How to Prepare for a Job Interview and Walk Away a Winner

March 25, 2025

Money Lessons for Kids: Teaching My Son About Payback Periods

By Len Penzo

The other day my 14-year-old son, Matthew, was really trying to sell me on his wish for the latest PlayStation video game console this Christmas. Never mind that he owns an XBox system that is in perfect working order, mainly because he got that as a ...

Continue reading Money Lessons for Kids: Teaching My Son About Payback Periods

March 24, 2025

Black Coffee: Changing the Rules

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: Changing the Rules

March 22, 2025

Scale Your NP Practice with Confidence: Mastering the Basics

By Enero Febrero

healthcare on a budget

Nurse practitioners (NP) are increasingly stepping into the entrepreneurial world, opening their own practices to meet growing healthcare demands. However, success in clinical care doesn’t automatically translate into success in business. The ...

Continue reading Scale Your NP Practice with Confidence: Mastering the Basics

March 21, 2025

5 Payment Card and E-Wallet Management Tips for First Jobbers

By Enero Febrero

e-wallet management

Landing your first job is a crucial milestone that not only jumpstarts your career, but also fulfills your financial goals. This is because having a source of income can significantly boost your cashflow. And that allows you to budget better, save, ...

Continue reading 5 Payment Card and E-Wallet Management Tips for First Jobbers

March 20, 2025

How to Get Preapproved for a Mortgage

By Len Penzo

The difference between being prequalified or preapproved for a home loan can be a critical factor in determining whether or not you'll get the home of your dreams. In short, preapproved homebuyers are far more attractive to sellers than shoppers who ...

Continue reading How to Get Preapproved for a Mortgage

March 20, 2025

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