<?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>How to Manage Money When You Are Suddenly Living Alone</title><link>https://planpenny.com/how-to-manage-money-when-you-are-suddenly-living-alone-5e423</link><guid isPermaLink="true">https://planpenny.com/how-to-manage-money-when-you-are-suddenly-living-alone-5e423</guid><description>Lost a partner or moved out? Here is a simple step-by-step guide to restart your budget, cut costs, and build security when living alone.</description><pubDate>Sat, 26 Sep 2026 08:00:00 GMT</pubDate></item><item><title>How to Adjust Your Portfolio When Risk Tolerance Changes</title><link>https://planpenny.com/how-to-adjust-your-portfolio-when-risk-tolerance-changes-dbc07</link><guid isPermaLink="true">https://planpenny.com/how-to-adjust-your-portfolio-when-risk-tolerance-changes-dbc07</guid><description>Your risk tolerance shifts with age and income. Learn a simple 3-step method to rebalance your investments without panic or costly mistakes.</description><pubDate>Sat, 26 Sep 2026 08:00:00 GMT</pubDate></item><item><title>Credit Card Rates Keep Rising? 5 Steps to Cut the Damage</title><link>https://planpenny.com/credit-card-rates-keep-rising-5-steps-to-cut-the-damage-71409</link><guid isPermaLink="true">https://planpenny.com/credit-card-rates-keep-rising-5-steps-to-cut-the-damage-71409</guid><description>Your card APR went up again? Learn what to say to your bank, which card to pay first, and when a balance transfer or credit counselor makes sense.</description><pubDate>Sat, 26 Sep 2026 08:00:00 GMT</pubDate></item><item><title>Pet Emergency Fund: How Much to Save and Where to Keep It</title><link>https://planpenny.com/pet-emergency-fund-how-much-to-save-and-where-to-keep-it-e9fe2</link><guid isPermaLink="true">https://planpenny.com/pet-emergency-fund-how-much-to-save-and-where-to-keep-it-e9fe2</guid><description>Build a pet emergency fund in stages using real prices from your vet, keep it apart from your main savings, and know your options if a bill hits early.</description><pubDate>Sat, 26 Sep 2026 08:00:00 GMT</pubDate></item><item><title>Life Insurance Beneficiary Mistakes That Derail Payouts</title><link>https://planpenny.com/life-insurance-beneficiary-mistakes-that-derail-payouts-133b3</link><guid isPermaLink="true">https://planpenny.com/life-insurance-beneficiary-mistakes-that-derail-payouts-133b3</guid><description>An old form, a minor child named directly, or no backup beneficiary can send your life insurance money to the wrong place. Here&#x27;s how to fix each one.</description><pubDate>Sat, 26 Sep 2026 08:00:00 GMT</pubDate></item><item><title>Debt Collector Calling? Don&#x27;t Restart the Clock by Mistake</title><link>https://planpenny.com/debt-collector-calling-dont-restart-the-clock-by-mistake-b6a30</link><guid isPermaLink="true">https://planpenny.com/debt-collector-calling-dont-restart-the-clock-by-mistake-b6a30</guid><description>A small payment or a quick yes on the phone can restart the time a collector has to sue you. Here is what to say, what to send, and what to avoid.</description><pubDate>Sat, 26 Sep 2026 08:00:00 GMT</pubDate></item><item><title>Automate Retirement Savings Once, Then Stop Checking Daily</title><link>https://planpenny.com/automate-retirement-savings-once-then-stop-checking-daily-6e364</link><guid isPermaLink="true">https://planpenny.com/automate-retirement-savings-once-then-stop-checking-daily-6e364</guid><description>Set up payroll contributions, the full employer match, 1% yearly increases and a self-rebalancing fund, then check in twice a year, not daily.</description><pubDate>Sat, 26 Sep 2026 08:00:00 GMT</pubDate></item><item><title>Grocery Budget When Prices Keep Rising: A Weekly Plan</title><link>https://planpenny.com/grocery-budget-when-prices-keep-rising-a-weekly-plan-7badc</link><guid isPermaLink="true">https://planpenny.com/grocery-budget-when-prices-keep-rising-a-weekly-plan-7badc</guid><description>Grocery prices all over the place? Set a real weekly food limit, add a price buffer, start a price book and plan meals from sales. Step by step inside.</description><pubDate>Sat, 26 Sep 2026 08:00:00 GMT</pubDate></item><item><title>Higher Car Insurance Deductible: When the Savings Pay Off</title><link>https://planpenny.com/higher-car-insurance-deductible-when-the-savings-pay-off-a085d</link><guid isPermaLink="true">https://planpenny.com/higher-car-insurance-deductible-when-the-savings-pay-off-a085d</guid><description>A higher auto deductible lowers your premium, but is it worth it? Use this 5-minute break-even math to see if the savings cover the extra risk you take on.</description><pubDate>Sat, 26 Sep 2026 08:00:00 GMT</pubDate></item><item><title>Your Real Emergency Fund Number: A 3-Step Calculation</title><link>https://planpenny.com/your-real-emergency-fund-number-a-3-step-calculation-e0ef3</link><guid isPermaLink="true">https://planpenny.com/your-real-emergency-fund-number-a-3-step-calculation-e0ef3</guid><description>Stop guessing between 3 and 6 months. Find your bare-bones monthly costs, pick a multiplier for your real risks, and get one clear savings target.</description><pubDate>Fri, 25 Sep 2026 08:00:00 GMT</pubDate></item><item><title>Pay Off Debt: The Hard Truths Nobody Tells You First</title><link>https://planpenny.com/pay-off-debt-the-hard-truths-nobody-tells-you-first-772b3</link><guid isPermaLink="true">https://planpenny.com/pay-off-debt-the-hard-truths-nobody-tells-you-first-772b3</guid><description>Want to pay off debt and improve your credit score? Discover the hidden shocks, real timelines, and exact steps nobody tells you before you start.</description><pubDate>Fri, 25 Sep 2026 08:00:00 GMT</pubDate></item><item><title>11 Mistakes That Sabotage Your Plan to Cut Monthly Expenses</title><link>https://planpenny.com/11-mistakes-that-sabotage-your-plan-to-cut-monthly-expenses-e3606</link><guid isPermaLink="true">https://planpenny.com/11-mistakes-that-sabotage-your-plan-to-cut-monthly-expenses-e3606</guid><description>Budget falling apart by week three? These 11 common mistakes quietly undo your plan to cut monthly expenses. Here is the simple fix for each one.</description><pubDate>Fri, 25 Sep 2026 08:00:00 GMT</pubDate></item><item><title>How Insurance Works: 9 Things to Check Before You Sign</title><link>https://planpenny.com/how-insurance-works-9-things-to-check-before-you-sign-e48ba</link><guid isPermaLink="true">https://planpenny.com/how-insurance-works-9-things-to-check-before-you-sign-e48ba</guid><description>Premium, deductible, limits, exclusions: a plain-English checklist of the 9 things to check on any insurance policy before you pay your first bill.</description><pubDate>Fri, 25 Sep 2026 08:00:00 GMT</pubDate></item><item><title>7 signs you are saving money wrong and how to fix each</title><link>https://planpenny.com/7-signs-you-are-saving-money-wrong-and-how-to-fix-each-3bb5a</link><guid isPermaLink="true">https://planpenny.com/7-signs-you-are-saving-money-wrong-and-how-to-fix-each-3bb5a</guid><description>Saving what&#x27;s left over, no emergency fund, cash in checking? Spot the 7 most common saving mistakes and the simple fix for each one, starting today.</description><pubDate>Fri, 25 Sep 2026 08:00:00 GMT</pubDate></item><item><title>Pay Off Debt When You&#x27;re Busy: A 30-Minute Weekly Plan</title><link>https://planpenny.com/pay-off-debt-when-youre-busy-a-30-minute-weekly-plan-942d2</link><guid isPermaLink="true">https://planpenny.com/pay-off-debt-when-youre-busy-a-30-minute-weekly-plan-942d2</guid><description>No time for budgets? Build a debt list once, automate minimums, pick avalanche or snowball, then use this 30-minute weekly check-in to keep moving.</description><pubDate>Fri, 25 Sep 2026 08:00:00 GMT</pubDate></item><item><title>11 Ways to Cut Monthly Expenses Without Feeling Broke</title><link>https://planpenny.com/11-ways-to-cut-monthly-expenses-without-feeling-broke-44c5a</link><guid isPermaLink="true">https://planpenny.com/11-ways-to-cut-monthly-expenses-without-feeling-broke-44c5a</guid><description>Cut monthly expenses where it counts: 11 practical moves, from bills you can call and lower to a simple budget that sticks. Start with the biggest wins.</description><pubDate>Thu, 24 Sep 2026 08:00:00 GMT</pubDate></item><item><title>How Insurance Works: Premiums, Deductibles and Claims</title><link>https://planpenny.com/how-insurance-works-premiums-deductibles-and-claims-d79fb</link><guid isPermaLink="true">https://planpenny.com/how-insurance-works-premiums-deductibles-and-claims-d79fb</guid><description>Insurance in plain words: what a premium buys, how a deductible changes your bill, and what really happens when you file a claim. With a real example.</description><pubDate>Thu, 24 Sep 2026 08:00:00 GMT</pubDate></item><item><title>Is Saving Money Worth It? The Real Trade-Offs, Explained</title><link>https://planpenny.com/is-saving-money-worth-it-the-real-trade-offs-explained-a7303</link><guid isPermaLink="true">https://planpenny.com/is-saving-money-worth-it-the-real-trade-offs-explained-a7303</guid><description>Saving pays off when it keeps emergencies from becoming debt, but cutting too hard backfires. Honest pros, cons, and a simple order to save and pay debt.</description><pubDate>Thu, 24 Sep 2026 08:00:00 GMT</pubDate></item><item><title>Investing for Beginners: 9 Things to Know Before Day One</title><link>https://planpenny.com/investing-for-beginners-9-things-to-know-before-day-one-7fa78</link><guid isPermaLink="true">https://planpenny.com/investing-for-beginners-9-things-to-know-before-day-one-7fa78</guid><description>Before you invest a dollar: clear card debt, build a cushion, pick a low-fee index fund. 9 plain-English lessons most beginners learn the hard way.</description><pubDate>Thu, 24 Sep 2026 08:00:00 GMT</pubDate></item><item><title>11 Real Ways to Cut Monthly Expenses and Save Fast</title><link>https://planpenny.com/11-real-ways-to-cut-monthly-expenses-and-save-fast-56bb1</link><guid isPermaLink="true">https://planpenny.com/11-real-ways-to-cut-monthly-expenses-and-save-fast-56bb1</guid><description>Learn 11 real ways to cut monthly expenses and build a better monthly budget. Start saving money fast with these actionable steps today.</description><pubDate>Thu, 24 Sep 2026 08:00:00 GMT</pubDate></item></channel></rss>