<?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>Find Hidden Life Insurance Exclusions in 5 Simple Steps</title><link>https://planpenny.com/find-hidden-life-insurance-exclusions-in-5-simple-steps-eb295</link><guid isPermaLink="true">https://planpenny.com/find-hidden-life-insurance-exclusions-in-5-simple-steps-eb295</guid><description>Stop paying for coverage that won&#x27;t pay out. Learn exactly where to look in your policy to find hidden exclusions and avoid surprise denials.</description><pubDate>Wed, 28 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Savings Rate With Several Incomes: A Simple Way to Do It</title><link>https://planpenny.com/savings-rate-with-several-incomes-a-simple-way-to-do-it-ddbe3</link><guid isPermaLink="true">https://planpenny.com/savings-rate-with-several-incomes-a-simple-way-to-do-it-ddbe3</guid><description>Paycheck, side gig, rental, tips? Add every dollar the same way, subtract taxes, and get one honest savings rate. Step-by-step with a worked example.</description><pubDate>Wed, 28 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Do Minimum Credit Card Payments Hurt Your Credit Score?</title><link>https://planpenny.com/do-minimum-credit-card-payments-hurt-your-credit-score-f6918</link><guid isPermaLink="true">https://planpenny.com/do-minimum-credit-card-payments-hurt-your-credit-score-f6918</guid><description>Paying the minimum on time protects your score, but a high balance still drags it down. See the math, the timing rules, and what to pay instead.</description><pubDate>Wed, 28 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Retirement Savings Goal: Work Backward From Your Expenses</title><link>https://planpenny.com/retirement-savings-goal-work-backward-from-your-expenses-6e495</link><guid isPermaLink="true">https://planpenny.com/retirement-savings-goal-work-backward-from-your-expenses-6e495</guid><description>List what you will spend, subtract Social Security, adjust for inflation, then multiply the gap. A 5-step retirement math example you can copy today.</description><pubDate>Wed, 28 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Life Insurance Risk Classes: How Underwriters Set Your Rate</title><link>https://planpenny.com/life-insurance-risk-classes-how-underwriters-set-your-rate-1ecdb</link><guid isPermaLink="true">https://planpenny.com/life-insurance-risk-classes-how-underwriters-set-your-rate-1ecdb</guid><description>See how insurers pick your life insurance risk class, from Preferred Plus to table ratings, what moves you up or down, and how to prep before applying.</description><pubDate>Wed, 28 Oct 2026 08:00:00 GMT</pubDate></item><item><title>How to Write a Goodwill Letter to Remove Late Fees</title><link>https://planpenny.com/how-to-write-a-goodwill-letter-to-remove-late-fees-1a2ff</link><guid isPermaLink="true">https://planpenny.com/how-to-write-a-goodwill-letter-to-remove-late-fees-1a2ff</guid><description>Learn exactly how to write a goodwill letter to remove late payments. Get a free template, step-by-step guidance, and tips to improve your credit score.</description><pubDate>Wed, 28 Oct 2026 08:00:00 GMT</pubDate></item><item><title>A Monthly Budget for People Who Hate Math: 3 Numbers Only</title><link>https://planpenny.com/a-monthly-budget-for-people-who-hate-math-3-numbers-only-59dc7</link><guid isPermaLink="true">https://planpenny.com/a-monthly-budget-for-people-who-hate-math-3-numbers-only-59dc7</guid><description>Hate math? Build a monthly budget with just three numbers: what comes in, what must go out, and what&#x27;s left. Simple steps, an example, no spreadsheets.</description><pubDate>Wed, 28 Oct 2026 08:00:00 GMT</pubDate></item><item><title>High vs. Low Deductible for Teen Drivers: The Smart Choice</title><link>https://planpenny.com/high-vs-low-deductible-for-teen-drivers-the-smart-choice-2a5b5</link><guid isPermaLink="true">https://planpenny.com/high-vs-low-deductible-for-teen-drivers-the-smart-choice-2a5b5</guid><description>Confused by high or low deductibles for your teen? Learn the real cost difference and pick the option that protects your budget best.</description><pubDate>Tue, 27 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Car Repair Sinking Fund: How Much to Save Each Month</title><link>https://planpenny.com/car-repair-sinking-fund-how-much-to-save-each-month-196d3</link><guid isPermaLink="true">https://planpenny.com/car-repair-sinking-fund-how-much-to-save-each-month-196d3</guid><description>Build a car repair sinking fund with a simple yearly worksheet, divide by 12, and automate it so the next brake job doesn&#x27;t land on a credit card.</description><pubDate>Tue, 27 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Roth or Traditional IRA for Index Funds: How to Decide</title><link>https://planpenny.com/roth-or-traditional-ira-for-index-funds-how-to-decide-14c54</link><guid isPermaLink="true">https://planpenny.com/roth-or-traditional-ira-for-index-funds-how-to-decide-14c54</guid><description>Roth or Traditional IRA for your index funds? Use a simple 4-question test and a clear example to see which account keeps more of your money.</description><pubDate>Tue, 27 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Find Forgotten Subscriptions in Your Bank Statement Fast</title><link>https://planpenny.com/find-forgotten-subscriptions-in-your-bank-statement-fast-20cde</link><guid isPermaLink="true">https://planpenny.com/find-forgotten-subscriptions-in-your-bank-statement-fast-20cde</guid><description>A step-by-step way to scan 12 months of bank and card statements, spot forgotten subscriptions, cancel them, and stop new ones from sneaking back in.</description><pubDate>Tue, 27 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Check Your Credit Report Free Without Lowering Your Score</title><link>https://planpenny.com/check-your-credit-report-free-without-lowering-your-score-38438</link><guid isPermaLink="true">https://planpenny.com/check-your-credit-report-free-without-lowering-your-score-38438</guid><description>Checking your own credit report never lowers your score. Here is where to get it free, what to look for line by line, and how to dispute an error.</description><pubDate>Tue, 27 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Save Money on Groceries Without Meal Planning: 12 Moves</title><link>https://planpenny.com/save-money-on-groceries-without-meal-planning-12-moves-26941</link><guid isPermaLink="true">https://planpenny.com/save-money-on-groceries-without-meal-planning-12-moves-26941</guid><description>No meal plan? No problem. 12 simple grocery habits, a price-per-unit cheat sheet and a 4-week test to cut your food bill without planning every dinner.</description><pubDate>Tue, 27 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Checking Your Portfolio Daily? A 30-Day Plan to Stop</title><link>https://planpenny.com/checking-your-portfolio-daily-a-30-day-plan-to-stop-afb28</link><guid isPermaLink="true">https://planpenny.com/checking-your-portfolio-daily-a-30-day-plan-to-stop-afb28</guid><description>Delete the app from your home screen, set one review day a month, and automate deposits. A simple 30-day plan to stop checking your investments daily.</description><pubDate>Tue, 27 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Lower Your Car Insurance Deductible and Keep Premiums Flat</title><link>https://planpenny.com/lower-your-car-insurance-deductible-and-keep-premiums-flat-d29b1</link><guid isPermaLink="true">https://planpenny.com/lower-your-car-insurance-deductible-and-keep-premiums-flat-d29b1</guid><description>A lower deductible usually costs more. Here are 8 real ways to offset it: discounts, vanishing deductibles, split coverages and shopping your policy.</description><pubDate>Tue, 27 Oct 2026 08:00:00 GMT</pubDate></item><item><title>How to Reinvest Dividends Without Raising Taxable Income</title><link>https://planpenny.com/how-to-reinvest-dividends-without-raising-taxable-income-1ac6d</link><guid isPermaLink="true">https://planpenny.com/how-to-reinvest-dividends-without-raising-taxable-income-1ac6d</guid><description>Stop paying taxes on every dividend. Learn 3 simple ways to reinvest dividends and keep more money in your retirement account today.</description><pubDate>Tue, 27 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Credit Card Debt or House Fund? How to Split Your Money</title><link>https://planpenny.com/credit-card-debt-or-house-fund-how-to-split-your-money-e3147</link><guid isPermaLink="true">https://planpenny.com/credit-card-debt-or-house-fund-how-to-split-your-money-e3147</guid><description>Paying 20%+ on cards while saving for a home? See the order that works, how to split each paycheck, and what lenders check before they say yes.</description><pubDate>Tue, 27 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Pet Emergency Fund: How to Save Without Raiding Savings</title><link>https://planpenny.com/pet-emergency-fund-how-to-save-without-raiding-savings-62c03</link><guid isPermaLink="true">https://planpenny.com/pet-emergency-fund-how-to-save-without-raiding-savings-62c03</guid><description>Build a separate pet emergency fund with small automatic transfers, see how long it takes at $25 to $100 a month, and plan a backup for big vet bills.</description><pubDate>Mon, 26 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Not-at-Fault Accident Claim: Will Your Car Insurance Rise?</title><link>https://planpenny.com/not-at-fault-accident-claim-will-your-car-insurance-rise-1fc8d</link><guid isPermaLink="true">https://planpenny.com/not-at-fault-accident-claim-will-your-car-insurance-rise-1fc8d</guid><description>A not-at-fault claim usually avoids an accident surcharge, but your rate can still rise. See the 6 hidden reasons and 10 steps to protect your premium.</description><pubDate>Mon, 26 Oct 2026 08:00:00 GMT</pubDate></item><item><title>How to Transfer Stocks to a New Brokerage Without Taxes</title><link>https://planpenny.com/how-to-transfer-stocks-to-a-new-brokerage-without-taxes-19f40</link><guid isPermaLink="true">https://planpenny.com/how-to-transfer-stocks-to-a-new-brokerage-without-taxes-19f40</guid><description>Learn step‑by‑step how to move your stock holdings to a new broker without creating a taxable event. Clear guide for beginners, no jargon, practical tips.</description><pubDate>Mon, 26 Oct 2026 08:00:00 GMT</pubDate></item></channel></rss>