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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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How to Launch Your Own Business as a Student

By Enero Febrero

Many of the most successful businesses we know started in colleges; Facebook, Dell, Insomnia Cookies, and dozens of world-class brands were once just random ideas written down into a textbook on a campus. Starting your business as a student may be ...

Continue reading How to Launch Your Own Business as a Student

August 14, 2020

5 Things Everyone Should Do Before Applying for a Mortgage

By Sabado Domingo

Have you checked your credit score? Do you have all of the correct paperwork in order? Are you aware of the market in which you are planning to buy? Applying for a mortgage is never an easy job. You can't change your income or credit history ...

Continue reading 5 Things Everyone Should Do Before Applying for a Mortgage

August 13, 2020

5 Ways to Enjoy Free Family Travel with Credit Cards

By Enero Febrero

Using your credit cards to earn reward points for travel is a legitimate and easy way to see the world with your family. In addition to flying, the reward points can help families cut costs with their hotel, rental car and meals. Here are several ...

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August 13, 2020

4 Ways to Save Money on Social Media Promotion Campaigns

By Sabado Domingo

A good promotion campaign is essential for the growth of any business. But a good campaign doesn't always mean an expensive one. The modern Internet has dozens of ways to create a great promotion without spending your last money and hoping for ...

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August 12, 2020

Are You Among the 20% Who Can’t Pay Their Mortgage?

By Chris Muller

How confident are you that you'll be able to pay your mortgage this month? If the answer is "not very," then you're not alone. In fact, according to a US Census Bureau survey, 20% of Americans said that they had "slight or no confidence" that they'd ...

Continue reading Are You Among the 20% Who Can’t Pay Their Mortgage?

August 11, 2020

My 12th Annual Cost Survey of 10 Popular Brown Bag Sandwiches

By Len Penzo

If our local high school decides to open its doors this year, the completely unappetizing daily lunch will be $3.75. For a family with two kids, that amounts to $1350 during the course of a 180-day school year. Oh, sure; $3.75 for lunch may sound ...

Continue reading My 12th Annual Cost Survey of 10 Popular Brown Bag Sandwiches

August 10, 2020

Black Coffee: The Road to Perdition

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. Summer is here, but for most people on ...

Continue reading Black Coffee: The Road to Perdition

August 8, 2020

The Top 10 Ways to Save Money in College

By Enero Febrero

Many parents with kids in college cover their dormitory fees, living, tuition costs, and sometimes, even their 'write my essay' requests for essay services. But at this age, students want more freedom, and for many of them, it consists of a ...

Continue reading The Top 10 Ways to Save Money in College

August 7, 2020

How to Manage Your Personal Finances When In the Military

By Tex Freitag

disqualify you from military

Life in the military brings a huge host of benefits. Chief among them is a stable income -- even in a bad economy. There are a lot of financial perks that you can take advantage of while in the military, but it also requires some discipline on your ...

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August 6, 2020

Should You Wait to Start a Small Business?

By Sabado Domingo

We live in a fast-paced society based around the ideal of instant gratification. Unsurprisingly, patience is a pretty rare virtue in both consumers and business leaders. People are often most concerned with making progress as quickly as possible. ...

Continue reading Should You Wait to Start a Small Business?

August 5, 2020

The World’s Greatest Grilled Chicken Marinade Recipe

By Len Penzo

A couple years ago a friend of mine invited me and my family over for a backyard pool party and barbecue. Of course, everybody had a great time. What made that day at Andy's house particularly memorable was the grilled chicken he served. It was ...

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August 5, 2020

9 Guilt-Free Ways to Rip Off Your Credit Card Company

By Len Penzo

Sitting on the edge of the Sonoran desert, along the main highway between Los Angeles and Palm Springs, lies Hadley's, a popular fruit stand and tourist stop that sells, among other things, banana date shakes. I love 'em; they're an incredibly ...

Continue reading 9 Guilt-Free Ways to Rip Off Your Credit Card Company

August 3, 2020

Black Coffee: All That Glitters

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. Let's get right to this week's ...

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August 1, 2020

4 Positive Financial Habits to Develop Right Now

By Enero Febrero

Whether you're managing your own money or your business's resources, good financial habits take time to build. Indeed, developing and then carrying out a sound financial plan is often the product of months or even years of hard work and dedication. ...

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July 31, 2020

Where to Gather Information for Informed Investment Decisions

By Tex Freitag

Today's investors have so many investment tools and resources they need to achieve financial gain. But in the age of information, knowing where to look is a critical step. Reliable information can prevent investors from making costly mistakes, like ...

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July 30, 2020

A Few Thoughts from Aunt Doris: A Cat’s a Cat and That’s That

By Aunt Doris

This is another post in an occasional series from my dear Aunt Doris, who passed away in 2015 at the age of 94. A dog will always greet you with eyes glazed with love, and a tail that nearly wags itself off. A cat merely tolerates ...

Continue reading A Few Thoughts from Aunt Doris: A Cat’s a Cat and That’s That

July 30, 2020

True Story: My Spouse Skipped Town and Left Me Penniless!

By Spedie

I'd always considered myself pretty street smart. You know, the kind of girl that didn't have an easy life and had learned many lessons via the School of Hard Knocks. Then I married my Prince Charming. He didn't make much money, but we shared the ...

Continue reading True Story: My Spouse Skipped Town and Left Me Penniless!

July 27, 2020

Black Coffee: Rock Covers Paper

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. After a long wait, silver has finally ...

Continue reading Black Coffee: Rock Covers Paper

July 25, 2020

Frugal or Cheap: What’s the Difference?

By Sabado Domingo

For most people money is a sensitive subject. While some do their very best not to come across as being tight as a tick, others always settle for the cheapest option without regard to value for money. Of course, those who are frugal lie somewhere in ...

Continue reading Frugal or Cheap: What’s the Difference?

July 24, 2020

4 Things Every New Business Needs to Get Started

By Sabado Domingo

When starting a business, it can be a daunting task trying to figure out what you really need versus unnecessary window dressing that will ultimately provide no added benefits to the bottom line. This is especially true if you're bootstrapping your ...

Continue reading 4 Things Every New Business Needs to Get Started

July 24, 2020

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