https://planpenny.com/Personal finance, insurance and budgeting — clear, unbiased, no hype.enhttps://planpenny.com/should-you-raise-your-deductible-do-the-math-first-4ba07https://planpenny.com/should-you-raise-your-deductible-do-the-math-first-4ba07Raising your deductible only pays off if the break-even is under three years and you have the cash today. Here is the math, plus 9 costly mistakes.Sat, 12 Sep 2026 08:00:00 GMThttps://planpenny.com/how-to-stop-using-credit-cards-while-paying-off-debt-34a20https://planpenny.com/how-to-stop-using-credit-cards-while-paying-off-debt-34a20Learn how to stop using credit cards and pay off your balance effectively. Follow these clear steps to take control of your financial future today.Sat, 12 Sep 2026 08:00:00 GMThttps://planpenny.com/how-to-split-your-first-paycheck-with-the-503020-rule-c6bddhttps://planpenny.com/how-to-split-your-first-paycheck-with-the-503020-rule-c6bddSplit your take-home pay 50/30/20 on payday, not at month's end. 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