<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"><channel><title>PlanPenny</title><link>https://planpenny.com/</link><description>Personal finance, insurance and budgeting — clear, unbiased, no hype.</description><language>en</language><item><title>Fee Drag Calculator: What a 0.5% Fund Fee Costs in 30 Years</title><link>https://planpenny.com/fee-drag-calculator-what-a-05-fund-fee-costs-in-30-years-8b49e</link><guid isPermaLink="true">https://planpenny.com/fee-drag-calculator-what-a-05-fund-fee-costs-in-30-years-8b49e</guid><description>A 0.50% fee can cost about $51,000 on $500 a month over 30 years. Use this simple formula and table to see what your index fund fees really cost.</description><pubDate>Fri, 13 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Credit Card Hardship Program: What to Say When You Call</title><link>https://planpenny.com/credit-card-hardship-program-what-to-say-when-you-call-3abff</link><guid isPermaLink="true">https://planpenny.com/credit-card-hardship-program-what-to-say-when-you-call-3abff</guid><description>A word-for-word call script, the 8 questions to ask before you accept, and what to do if your card issuer says no to a lower rate or payment.</description><pubDate>Fri, 13 Nov 2026 08:00:00 GMT</pubDate></item><item><title>How Your Car Insurance Works on Peer-to-Peer Platforms</title><link>https://planpenny.com/how-your-car-insurance-works-on-peer-to-peer-platforms-57e4f</link><guid isPermaLink="true">https://planpenny.com/how-your-car-insurance-works-on-peer-to-peer-platforms-57e4f</guid><description>Renting out your car? Learn how insurance coverage changes, what gaps exist, and how to protect your asset with specific steps and deductible tips.</description><pubDate>Fri, 13 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Emergency Fund Wiped Out? A 5-Step Plan to Rebuild It</title><link>https://planpenny.com/emergency-fund-wiped-out-a-5-step-plan-to-rebuild-it-35ec2</link><guid isPermaLink="true">https://planpenny.com/emergency-fund-wiped-out-a-5-step-plan-to-rebuild-it-35ec2</guid><description>A big bill emptied your savings. Here is a step-by-step plan to rebuild your emergency fund, with weekly targets and what to pause until you are safe.</description><pubDate>Fri, 13 Nov 2026 08:00:00 GMT</pubDate></item><item><title>How to Invest Your First $100: 7 Steps in the Right Order</title><link>https://planpenny.com/how-to-invest-your-first-100-7-steps-in-the-right-order-74ba4</link><guid isPermaLink="true">https://planpenny.com/how-to-invest-your-first-100-7-steps-in-the-right-order-74ba4</guid><description>Start investing with $100: check debt and savings first, open a no-minimum account, buy a low-cost index fund and set up a monthly deposit. Step by step.</description><pubDate>Fri, 13 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Does Paying Off a Credit Card Raise Your Score Right Away?</title><link>https://planpenny.com/does-paying-off-a-credit-card-raise-your-score-right-away-90534</link><guid isPermaLink="true">https://planpenny.com/does-paying-off-a-credit-card-raise-your-score-right-away-90534</guid><description>Paying off a card usually helps your credit score, but only after the balance is reported. Learn the timing, what to expect and the mistake to avoid.</description><pubDate>Fri, 13 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Save $500 a Month Without Tracking Every Penny: Autopilot</title><link>https://planpenny.com/save-500-a-month-without-tracking-every-penny-autopilot-4a4e7</link><guid isPermaLink="true">https://planpenny.com/save-500-a-month-without-tracking-every-penny-autopilot-4a4e7</guid><description>Skip the budget app. Automate a transfer each payday, cut 3 big bills once, and spend the rest guilt-free. Step-by-step plan with the paycheck math.</description><pubDate>Fri, 13 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Auto Insurance Comparison: Match These Lines Before Price</title><link>https://planpenny.com/auto-insurance-comparison-match-these-lines-before-price-e5566</link><guid isPermaLink="true">https://planpenny.com/auto-insurance-comparison-match-these-lines-before-price-e5566</guid><description>A cheaper car insurance quote may just cover less. Use this line-by-line checklist to match liability, deductibles and extras before you compare price.</description><pubDate>Fri, 13 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Invest $500 in Index Funds Without High Fees or Guesswork</title><link>https://planpenny.com/invest-500-in-index-funds-without-high-fees-or-guesswork-6f3e9</link><guid isPermaLink="true">https://planpenny.com/invest-500-in-index-funds-without-high-fees-or-guesswork-6f3e9</guid><description>Learn step‑by‑step how to turn $500 into a diversified index‑fund portfolio, keep fees low, avoid picking stocks, and start saving for retirement today.</description><pubDate>Fri, 13 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Medical Debt: Pay It Off Without Wrecking Credit or Savings</title><link>https://planpenny.com/medical-debt-pay-it-off-without-wrecking-credit-or-savings-d6923</link><guid isPermaLink="true">https://planpenny.com/medical-debt-pay-it-off-without-wrecking-credit-or-savings-d6923</guid><description>Before you pay a hospital bill with a credit card, do these 5 steps: itemized bill, financial aid, a lower price, a 0% plan and a credit report check.</description><pubDate>Fri, 13 Nov 2026 08:00:00 GMT</pubDate></item><item><title>How to Budget for Beginners: 7 Steps With a Sample Plan</title><link>https://planpenny.com/how-to-budget-for-beginners-7-steps-with-a-sample-plan-c80a3</link><guid isPermaLink="true">https://planpenny.com/how-to-budget-for-beginners-7-steps-with-a-sample-plan-c80a3</guid><description>Build your first monthly budget in 7 simple steps: track spending, sort needs and wants, give every dollar a job and check in weekly. Sample included.</description><pubDate>Thu, 12 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Find Hidden Exclusions in Your Insurance Policy in 30 Min</title><link>https://planpenny.com/find-hidden-exclusions-in-your-insurance-policy-in-30-min-a394b</link><guid isPermaLink="true">https://planpenny.com/find-hidden-exclusions-in-your-insurance-policy-in-30-min-a394b</guid><description>A page-by-page method to spot what your insurance policy won&#x27;t pay for: where exclusions hide, the words that shrink coverage, and what to ask your agent.</description><pubDate>Thu, 12 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Pending Charges Wrecking Your Budget? Reconcile in 6 Steps</title><link>https://planpenny.com/pending-charges-wrecking-your-budget-reconcile-in-6-steps-7f30f</link><guid isPermaLink="true">https://planpenny.com/pending-charges-wrecking-your-budget-reconcile-in-6-steps-7f30f</guid><description>Pending charges make your balance look bigger than it is. Learn a 15-minute weekly routine and a simple formula to find your real available-to-spend.</description><pubDate>Thu, 12 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Your Real Savings Rate: How to Count the Employer Match</title><link>https://planpenny.com/your-real-savings-rate-how-to-count-the-employer-match-578cd</link><guid isPermaLink="true">https://planpenny.com/your-real-savings-rate-how-to-count-the-employer-match-578cd</guid><description>Most people undercount their retirement savings rate. Learn the 5-step formula with employer match, vesting rules, and a worked example with real numbers.</description><pubDate>Thu, 12 Nov 2026 08:00:00 GMT</pubDate></item><item><title>How to Find Every Forgotten Subscription in One Afternoon</title><link>https://planpenny.com/how-to-find-every-forgotten-subscription-in-one-afternoon-3699c</link><guid isPermaLink="true">https://planpenny.com/how-to-find-every-forgotten-subscription-in-one-afternoon-3699c</guid><description>Forgotten subscriptions hide in app stores, PayPal and annual renewals. Use this step-by-step audit to find each one, decide fast and cancel the right way.</description><pubDate>Thu, 12 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Where to Keep Your Emergency Fund So Inflation Bites Less</title><link>https://planpenny.com/where-to-keep-your-emergency-fund-so-inflation-bites-less-77ecd</link><guid isPermaLink="true">https://planpenny.com/where-to-keep-your-emergency-fund-so-inflation-bites-less-77ecd</guid><description>Your emergency fund loses value in a 0% checking account. Compare high-yield savings, money market funds, T-bills and I bonds in a simple 3-tier setup.</description><pubDate>Thu, 12 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Changing Jobs? Move Your 401(k) Without a Surprise Tax Bill</title><link>https://planpenny.com/changing-jobs-move-your-401k-without-a-surprise-tax-bill-da769</link><guid isPermaLink="true">https://planpenny.com/changing-jobs-move-your-401k-without-a-surprise-tax-bill-da769</guid><description>Leaving a job? Learn how a direct rollover moves your 401(k) without taxes, the 60-day trap that costs 20%, and the 4 choices you have for old savings.</description><pubDate>Thu, 12 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Paid Off Debt and Your Credit Score Fell? 3 Real Reasons</title><link>https://planpenny.com/paid-off-debt-and-your-credit-score-fell-3-real-reasons-fd3b8</link><guid isPermaLink="true">https://planpenny.com/paid-off-debt-and-your-credit-score-fell-3-real-reasons-fd3b8</guid><description>Closing a paid-off card, losing your only installment loan, or bad reporting timing can drop your score. See the math and the steps to recover it fast.</description><pubDate>Wed, 11 Nov 2026 08:00:00 GMT</pubDate></item><item><title>How to Save for Your Car Insurance Deductible in 12 Months</title><link>https://planpenny.com/how-to-save-for-your-car-insurance-deductible-in-12-months-ba3cb</link><guid isPermaLink="true">https://planpenny.com/how-to-save-for-your-car-insurance-deductible-in-12-months-ba3cb</guid><description>Turn your car insurance deductible into a monthly savings goal. See how much to set aside, where to keep it, and when a higher deductible makes sense.</description><pubDate>Wed, 11 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Lower Your Life Insurance Premium and Keep Your Coverage</title><link>https://planpenny.com/lower-your-life-insurance-premium-and-keep-your-coverage-e60ff</link><guid isPermaLink="true">https://planpenny.com/lower-your-life-insurance-premium-and-keep-your-coverage-e60ff</guid><description>8 ways to pay less for life insurance without cutting your death benefit: compare quotes, get re-rated, review riders, pay yearly and avoid costly traps.</description><pubDate>Wed, 11 Nov 2026 08:00:00 GMT</pubDate></item></channel></rss>