https://planpenny.com/Personal finance, insurance and budgeting — clear, unbiased, no hype.enhttps://planpenny.com/split-household-bills-without-a-joint-account-3-fair-ways-00046https://planpenny.com/split-household-bills-without-a-joint-account-3-fair-ways-00046Share rent, groceries and utilities without merging bank accounts. Compare 50/50, income-based and bill-by-bill splits, with real dollar examples.Thu, 22 Oct 2026 08:00:00 GMThttps://planpenny.com/capital-gains-tax-when-selling-index-funds-in-retirement-00e8fhttps://planpenny.com/capital-gains-tax-when-selling-index-funds-in-retirement-00e8fSelling index funds in retirement? See how capital gains tax is calculated, how the 0% bracket works, and six steps that keep your tax bill low.Wed, 21 Oct 2026 08:00:00 GMThttps://planpenny.com/credit-card-debt-on-unpaid-medical-leave-7-steps-to-take-7de17https://planpenny.com/credit-card-debt-on-unpaid-medical-leave-7-steps-to-take-7de17Call your card issuers before you miss a payment, ask for a hardship plan, rank your bills, and protect your credit score while you are on unpaid leave.Wed, 21 Oct 2026 08:00:00 GMThttps://planpenny.com/how-a-buffer-account-tames-your-variable-utility-bills-1404bhttps://planpenny.com/how-a-buffer-account-tames-your-variable-utility-bills-1404bUtility bills swing with the seasons and wreck your budget. A buffer account smooths them into one flat monthly amount. 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Use a 12-month average, a separate buffer account, and simple fixes to keep your budget flat.Mon, 19 Oct 2026 08:00:00 GMThttps://planpenny.com/higher-credit-limit-no-hard-pull-how-to-ask-the-right-way-d0c17https://planpenny.com/higher-credit-limit-no-hard-pull-how-to-ask-the-right-way-d0c17Want a higher credit limit without hurting your score? Ask one question first, update your income, and use our phone script. 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See a full worked example, what to count, common mistakes, and what your number means before you invest.Mon, 19 Oct 2026 08:00:00 GMThttps://planpenny.com/irregular-income-budget-off-your-lowest-month-not-average-6dea3https://planpenny.com/irregular-income-budget-off-your-lowest-month-not-average-6dea3Paycheck never the same? Learn the low-month budget, the buffer account trick, and a 5-step plan for variable bills when your income goes up and down.Mon, 19 Oct 2026 08:00:00 GMT