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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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7 Tips for Finding a Reliable Used Car at the Lowest Price

By Anum Yoon

It used to be if you wanted a new vehicle for cheap, the best option was to buy a reliable used car - but that's no longer a slam dunk today. Even so, used cars are still subject to lower taxes, registration fees and dealer fees. You also can't ...

Continue reading 7 Tips for Finding a Reliable Used Car at the Lowest Price

April 29, 2025

How Smart Menu Planning Can Reduce Your Annual Grocery Bill by $1000

By Len Penzo

If you google the term "world's toughest question" you'll come across a panoply of potential candidates: What is the meaning of life? What is the secret of happiness? How can I get rich quickly? Why does the line you're in always move ...

Continue reading How Smart Menu Planning Can Reduce Your Annual Grocery Bill by $1000

April 28, 2025

Black Coffee: Buy Now. Pay Later.

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: Buy Now. Pay Later.

April 26, 2025

How Enterprise Workflow Automation Saves Companies Big Money

By Sabado Domingo

You’re running an enterprise, and inefficiencies are bleeding your budget dry; manual data entry, endless email chains, and approvals that take weeks. It’s chaos, and it’s costing you. Enterprise workflow automation tools are your way out, ...

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April 24, 2025

Grandfather Says: The Continuing Chronicles of Elaine, Part 65

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: Miscellaneous Thoughts About Life I Want to Share With You My children are more demonstrative than I and my parents and ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 65

April 24, 2025

How to Manage a Personal Loan Property

By Sabado Domingo

So, you’ve taken out a personal loan - whether it's a standard loan, a car loan, or even, say, a title loans in Arizona. But the real work is only just beginning - especially if you are managing a personal loan property. But if you don't know how to ...

Continue reading How to Manage a Personal Loan Property

April 23, 2025

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 ...

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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 ...

Continue reading Black Coffee: Creative Accounting

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 ...

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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 ...

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

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 ...

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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

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