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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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The Pros and Cons of 7 Popular Student Loan Refinancing Options

By Enero Febrero

It's a sad reality that most students still can't graduate from a four-year university without being saddled with thousands of dollars of debt. And if you choose to stick with your standard loan repayment plan without looking into other options, you ...

Continue reading The Pros and Cons of 7 Popular Student Loan Refinancing Options

April 23, 2025

How to Retire on Time: 10 Things You Should Be Doing Now

By Mikey Rox

Do you have grand plans to spend your golden years lying on a beach, hitting the links on weekdays, or sipping cocktails until the sun goes down? By following a few simple tips you can retire on your own terms - on time, or even earlier - and live ...

Continue reading How to Retire on Time: 10 Things You Should Be Doing Now

April 22, 2025

Why I Prefer a Spreadsheet to Track Expenses & Manage My Finances

By Len Penzo

I admit it; I still use a spreadsheet to track expenses. In fact, I've been diligently managing my personal finances and tracking household expenses for almost 30 years. How diligent, you ask? Well, I can tell you that my cable bill in February ...

Continue reading Why I Prefer a Spreadsheet to Track Expenses & Manage My Finances

April 21, 2025

Black Coffee: Creative Accounting

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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April 19, 2025

Retirement Planning Tips: Finding the Right Financial Fit

By Sabado Domingo

Retirement planning can be a real head-scratcher, right? It’s this wild mix of daydreaming about lazy mornings and worrying about the bank account. You’re itching for that freedom; time to chill, explore, just live. But the money stuff? That can keep ...

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April 17, 2025

What Is a Credit Card?

By Len Penzo

What is a credit card? They're a tool that allows people to borrow money from their bank or a financial institution for the purchase of consumer goods and services. Because almost all businesses accept credit cards, there is virtually no limit to ...

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April 17, 2025

3 Things That People Overpay For

By Sabado Domingo

No matter how thrifty you think you are, the truth is, most people are constantly spending money; it's just part of being an adult. And if you have any level of property or responsibility at all, you have operating costs and overhead, just like a ...

Continue reading 3 Things That People Overpay For

April 16, 2025

How To Enjoy Your 20s and Save Money While You’re At It

By Corazon Gritar

If you're like many Gen Zers, you probably suffer from a severe case of FOMO (fear of missing out) because, well ... everybody knows YOLO (you only live once). As a result, you might treat yourself to expensive trips, or nights on the town, because ...

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April 15, 2025

The Business Side of NP Practice: Getting Paid Starts With Good Data

By Sabado Domingo

healthcare on a budget

For nurse practitioners (NP), the transition from clinical expertise to managing a business can be a challenging yet vital step. While providing care remains at the core of the profession, understanding the revenue cycle is critical for sustaining ...

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April 14, 2025

If I Were King: 10 Features Every Credit Card Should Have

By Len Penzo

Wouldn't it be great if you could design your own credit card? Imagine a credit card that would be absolutely perfect for you and your finances, down to the very last detail. So, what are the most important features every credit card should have? ...

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April 14, 2025

Black Coffee: Nothing for Something

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 an enjoyable week. ...

Continue reading Black Coffee: Nothing for Something

April 12, 2025

The Most Talked-About Altcoins in the Market Right Now

By Sabado Domingo

The cryptocurrency world constantly shifts, with new and existing altcoins making headlines as their technology evolves and market movements gain traction. Some altcoins are capturing significant attention due to rising adoption, project updates, or ...

Continue reading The Most Talked-About Altcoins in the Market Right Now

April 11, 2025

Why Elite Investors Choose Private Trade Desks for Crypto Trading

By Tex Freitag

The world of cryptocurrency trading has evolved rapidly in recent years, attracting investors from all corners of the globe. However, as the market matures, many seasoned investors are seeking out more sophisticated and private methods for executing ...

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April 11, 2025

Grandfather Says: The Continuing Chronicles of Elaine, Part 64

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 on the Dogs ... We didn’t have any of the adopted dogs very long because they were older to begin with, and some had ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 64

April 10, 2025

Navigating the Job Market: Financial Tips for Career Transitions

By Tex Freitag

Changing careers or losing a job can feel like the rug's been pulled out from under you. Whether you're shifting fields voluntarily or unexpectedly navigating a layoff, one thing's sure: your financial strategy needs to evolve right along with your ...

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April 9, 2025

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 ...

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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 ...

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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

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