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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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How to Budget Your Discretionary Income for Non-Essential Purchases

By Sabado Domingo

After covering basic expenses like rent or mortgage payments, car payments, groceries, utilities, and so on, it can be hard to cut back on more fun discretionary spending such as going out to eat or buying the latest video game. However, by budgeting ...

Continue reading How to Budget Your Discretionary Income for Non-Essential Purchases

July 30, 2021

4 Life Saving Strategies for Those Who Are Deep In Debt

By Enero Febrero

If you're in a serious and seemingly irrevocable financial problem, you should consider your options. While it's not an easy task to fix your money problems, with some hard work, you can enjoy a financial future full of hope. If you are deep in debt, ...

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July 29, 2021

How Different Types of Tickets Affect Auto Insurance Quotes

By Sabado Domingo

Getting a ticket while driving always has an impact on car insurance rates, but the significance of the impact that is made to car insurance rates differs according to the violation. While it is important to avoid breaking laws while driving, knowing ...

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July 28, 2021

Approximate Energy Costs of Your Home Appliances

By Len Penzo

Our homes today are loaded with more electronic media and electric appliances than ever before. According to data published by the Energy Information Administration (EIA), US household electricity consumption is expected to grow about 29% from now ...

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July 26, 2021

Black Coffee: Low Rates and High Prices

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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July 24, 2021

What Are the Benefits of Investing in a Franchise?

By Sabado Domingo

There is an obvious appeal to building your own brand from the ground up, but this is often counteracted by many challenges. New businesses come with many unknowns, which eventually cause them to fail within the first few years of operation. ...

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July 23, 2021

8 Reasons Why You Should Consider Getting a Secured Credit Card

By Tex Freitag

It's normal to be wary of traditional credit cards. You might be trying to avoid debt or rebuild your credit from the ground up. Fortunately, you have options. Secured credit cards, for example, can be a smart alternative to the other plastic in ...

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July 22, 2021

Financial Records: Which Ones to Keep and for How Long?

By Sabado Domingo

Despite the fact that almost every business and service offers paperless options, you can still wind up with a load of paperwork. It's not uncommon for the average household to receive between 30 and 50 pages worth of paperwork in physical or ...

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July 22, 2021

Simple Home Renovations that Will Save You Money

By Corazon Gritar

Do you love saving money? Or remodeling your home, maybe both? Well, these home improvements below will save you money and help you upgrade your home. Upgrade Your Appliances It's sometimes necessary to spend a little money in order to save ...

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July 21, 2021

10 Famous People Who Have Gone Bankrupt

By Mikey Rox

Being rich and famous can set you up for life -- and well beyond that -- but it also can make otherwise smart people do really stupid things with their money. Just ask MC Hammer, who very famously filed for bankruptcy after spending his estimated $33 ...

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July 20, 2021

The Importance of Long-Term Savings & Strategic Financial Road Maps

By Len Penzo

This past weekend a good friend of mine told me that, after faithfully keeping a strict budget for more than a decade, he finally stopped -- and now he was feeling guilty about it. I know what he means. Although I've written before about the ...

Continue reading The Importance of Long-Term Savings & Strategic Financial Road Maps

July 19, 2021

Black Coffee: The Printer and the Piper

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 terrific week. ...

Continue reading Black Coffee: The Printer and the Piper

July 17, 2021

How Credit Reporting Agencies Calculate Your Credit Score

By Len Penzo

In order to talk about what is considered when calculating your credit score you need to first understand what shows up in your credit report. Your credit report is a history of how you have used or abused your credit. This report is created by one ...

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July 15, 2021

An Insider’s View of the Millionaire Mind

By Kevin Mercadante

How do millionaires think? I spent years working in small business accounting so I've had a chance to know a number of self-made millionaires. As a result, I also got an insider's view of their financial positions and behavior -- both business and ...

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July 14, 2021

Money-Savvy Budgeting Tips To Manage Your Disability Insurance Payout

By Sabado Domingo

Because no one can predict an injury or illness that leads to a disability, disability cover is a crucial type of insurance policy that everyone should have. And if you have found yourself in the unfortunate position you need to claim your policy, ...

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July 13, 2021

3 Things You Shouldn’t Buy with a Credit Card (and 1 You Always Should)

By Tex Freitag

Credit cards shouldn't scare you; when used correctly, they're actually the most rewarding form of currency available today. Seriously, when's the last time you were rewarded with airline miles for using cash? And while it's highly recommended that ...

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July 13, 2021

What to Invest Money In For a New Side Business

By Corazon Gritar

It goes without saying that starting a new business is a trying and difficult process. With the odds not in your favor, it is important to make wise decisions before putting anything into action. This is especially so if they're monetary decisions. ...

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July 13, 2021

The Best Homework Planning Apps

By Sabado Domingo

Getting all your homework done on time is a tough challenge for students. On some days, the pressure gets so high that students forget about trivial things, ending up studying until late at night to finish their tasks. To avoid such emergencies and ...

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July 12, 2021

How To Know If You’ve Been Wrongfully Terminated at Work

By Tex Freitag

Getting fired is a difficult pill to swallow, no matter the circumstances. However, if you've been wrongfully terminated, this can be even more difficult to adjust to. Every day, hundreds of people around the world are fired and many are fired ...

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July 12, 2021

5 Items in Nature With Enormous Finder Fees

By Len Penzo

I realize the economy is wigging out and times are starting to get tough again. Of course, with the price of precious metals back on the rise, you could head out into the wilderness and try to find a stray nugget or two. Then again, if you ...

Continue reading 5 Items in Nature With Enormous Finder Fees

July 12, 2021

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