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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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10 Easy Ways to Save Big Money Every Day

By Len Penzo

Savvy individuals are always looking for great ways to cut costs and save money. In fact, sticking to a careful budget today is more important than ever. But individuals who want to save big money don't need to worry. Here are 10 simple tips that can ...

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February 10, 2025

Black Coffee: The Love & Money Edition

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. ...

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February 8, 2025

What Is a Mortgage Broker (and Is One Right for You)?

By Len Penzo

What is a mortgage broker? In short, a mortgage broker is an independent middleman who finds potential customers for mortgage lenders. The mortgage broker's job is to collect all of the loan documents from a prospective borrower; he then reviews and ...

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February 6, 2025

How to Survive the Apocalypse (Or at Least Have Fun Trying)

By Forest Parks

You're sitting there just finishing off your last can of baked beans. They're cold, of course, because your fuel ran out a year ago. It's been three years in that hole, with no instructions over the radio from the army, and nobody banging on the ...

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February 5, 2025

Clothes Buying Tips: 7 Questions You Should Always Ask

By Anum Yoon

Investing in new clothes is a process that takes several steps. While splurging on yourself can be fun, you should always keep in mind how practical your new purchase will really be. When it comes to clothes buying tips, you can keep your inner ...

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February 4, 2025

What Is GAP Insurance for Cars and When Should You Buy It?

By Len Penzo

Many years ago, I worked with an old engineer who always wore a belt and suspenders. Always. One day I pointed out that fashion snobs consider a belt and suspenders to be a serious sartorial faux pas. He was unimpressed. "I know," he said, "But ...

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February 3, 2025

Black Coffee: Sticker Shock

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 ...

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February 1, 2025

Accelerate Your Inheritance: A Comprehensive Look at Probate Advance

By Tex Freitag

Probate can be a daunting process - especially for individuals grappling with the emotional aftermath of losing a loved one while also trying to manage finances. When an estate enters probate, assets are generally frozen until the courts approve ...

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January 31, 2025

Grandfather Says: The Continuing Chronicles of Elaine, Part 59

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: Six months after our trip to Europe, my life changed from elated to dreading Erik’s orders for Operation Desert Shield, which ...

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January 30, 2025

Private Jet Service Costs: Are They Worth It?

By Louise Vinciguerra

Have you ever wondered if a private jet service cost is worth it? Imagine this scenario: You pull up to your plane at a small airport. Then you walk directly from your car onto the jet. Your bags -- weighing more than 50 pounds apiece! -- are whisked ...

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January 29, 2025

14 Ways to Celebrate Valentine’s Day on a Budget

By Mikey Rox

Ironically, there are a lot of broken hearts on Valentine's Day. Here's how to celebrate Valentine's Day on a budget by keeping the money you spend to a minimum while kicking the thoughtfulness up a notch: Celebrate the Day Before -- or After It's ...

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January 28, 2025

7 Financial Literacy Tips for First-Time Credit Card Holders

By Enero Febrero

financial literacy tips

Filipinos are now more prosperous and eager to spend than ever; they also hunger for financial literacy tips. For their part, Philippine credit card providers have shown themselves ready to address this need. Indeed, credit cards now offer more perks ...

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January 27, 2025

Why Your Expensive Car Doesn’t Impress Smart People

By Len Penzo

expensive car cheap house

A reader named Jennifer left a comment on my blog lamenting expensive cars and the sense of entitlement she saw in many people. Here is an excerpt: I know a woman who is a single mother and hit up her friends for money to replace the engine in her ...

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January 27, 2025

Black Coffee: Fake It ‘Til You Make It

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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January 25, 2025

How to Get a Mortgage with Bad Credit

By Len Penzo

Are you searching for how to get a mortgage with bad credit? Well ... finding a mortgage when you have a bad credit score is not impossible. However, it usually requires the borrower to make a few concessions, such as paying a higher interest ...

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January 23, 2025

Dora the Explorer’s Five Easy Steps to Financial Health

By Timothy Hoff

When I was little, I loved to watch cartoons. You know, the big ones: Quick Draw McGraw, Ruff & Reddy, Mighty Mouse. OK, so I'm an old guy. Anyway, in my youth, I did not have any interest in finance, personal or otherwise. That changed in my ...

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January 22, 2025

9 Preventative Car Maintenance Tips That Will Save You Money

By Corazon Gritar

We've all been there. You're perfectly sticking to your budget, staying away from extra purchases, and then out of nowhere, your car stops working. All of a sudden you have hundreds -- or even thousands -- of dollars' worth of work to do on your car ...

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January 21, 2025

Understanding Crypto Debit and Credit Cards

By Tex Freitag

crypto debit and credit cards

The rise of cryptocurrency has transformed the way we think about money, offering innovative solutions for modern finance. One such solution is the cryptocurrency card, a tool that bridges the gap between digital currencies and everyday transactions. ...

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January 20, 2025

A Tribute to the Vanishing Pay Phone

By Len Penzo

Maroon 5 has a song entitled "Payphone" and, every time I hear it, I can't help but wonder how many of their fans have ever used one. That got me to wondering: How many pay phones are there today? (To be clear, I'm talking about working public pay ...

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January 20, 2025

Black Coffee: Sweet and Sour

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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January 18, 2025

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