<?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 Audit Your Monthly Budget After a Pay Cut</title><link>https://planpenny.com/how-to-audit-your-monthly-budget-after-a-pay-cut-b45d1</link><guid isPermaLink="true">https://planpenny.com/how-to-audit-your-monthly-budget-after-a-pay-cut-b45d1</guid><description>Losing income? Learn a 5-step method to audit your budget, cut expenses fast, and save money without guessing. Get the exact checklist now.</description><pubDate>Tue, 03 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Change Your Life Insurance Beneficiary After Divorce or Baby</title><link>https://planpenny.com/change-your-life-insurance-beneficiary-after-divorce-or-baby-cad9a</link><guid isPermaLink="true">https://planpenny.com/change-your-life-insurance-beneficiary-after-divorce-or-baby-cad9a</guid><description>Married, divorced or had a baby? Learn how to change your life insurance beneficiary step by step, and the mistakes that send money to the wrong person.</description><pubDate>Tue, 03 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Zero-Based Envelope Budget for Bills That Change Every Month</title><link>https://planpenny.com/zero-based-envelope-budget-for-bills-that-change-every-month-3db57</link><guid isPermaLink="true">https://planpenny.com/zero-based-envelope-budget-for-bills-that-change-every-month-3db57</guid><description>Budget for groceries, gas and other costs that change every month with the zero-based envelope method: a 7-step setup, a sample budget and fixes.</description><pubDate>Tue, 03 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Early Retirement Savings Rate: Find Your Number in 4 Steps</title><link>https://planpenny.com/early-retirement-savings-rate-find-your-number-in-4-steps-96cc1</link><guid isPermaLink="true">https://planpenny.com/early-retirement-savings-rate-find-your-number-in-4-steps-96cc1</guid><description>Work out the savings rate you need to retire early: a simple formula, a years-to-retire table, and a worked example you can copy with your own numbers.</description><pubDate>Tue, 03 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Pay Off Credit Card Debt and Keep Your Savings Intact</title><link>https://planpenny.com/pay-off-credit-card-debt-and-keep-your-savings-intact-eb0a9</link><guid isPermaLink="true">https://planpenny.com/pay-off-credit-card-debt-and-keep-your-savings-intact-eb0a9</guid><description>Want to clear credit card debt without draining your emergency fund? See 6 ways to cut interest, a real payoff example, and when to get free help.</description><pubDate>Tue, 03 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Total Loss Claim: How Insurers Calculate Your Payout</title><link>https://planpenny.com/total-loss-claim-how-insurers-calculate-your-payout-f366c</link><guid isPermaLink="true">https://planpenny.com/total-loss-claim-how-insurers-calculate-your-payout-f366c</guid><description>What happens after your car is declared a total loss: how the insurer sets the value, what gets deducted, who gets paid first, and how to dispute a low offer.</description><pubDate>Mon, 02 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Savings Rate for Two-Income Couples: The Simple Formula</title><link>https://planpenny.com/savings-rate-for-two-income-couples-the-simple-formula-99191</link><guid isPermaLink="true">https://planpenny.com/savings-rate-for-two-income-couples-the-simple-formula-99191</guid><description>How to calculate your household savings rate on two incomes: the exact formula, a worked example with real numbers, and how to split the goal fairly.</description><pubDate>Mon, 02 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Index Funds vs. Mutual Funds: How a Beginner Can Choose</title><link>https://planpenny.com/index-funds-vs-mutual-funds-how-a-beginner-can-choose-7ea51</link><guid isPermaLink="true">https://planpenny.com/index-funds-vs-mutual-funds-how-a-beginner-can-choose-7ea51</guid><description>The real difference between index funds and actively managed mutual funds, what fees cost you over 30 years, and 5 things to check before you buy.</description><pubDate>Mon, 02 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Credit Report Errors to Catch While You Pay Down Your Debt</title><link>https://planpenny.com/credit-report-errors-to-catch-while-you-pay-down-your-debt-ed72a</link><guid isPermaLink="true">https://planpenny.com/credit-report-errors-to-catch-while-you-pay-down-your-debt-ed72a</guid><description>Paying off debt? Learn how to read your credit report line by line, spot the 7 most common errors, and dispute them for free without stopping payments.</description><pubDate>Mon, 02 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Pet vet bills: a monthly budget plan that protects savings</title><link>https://planpenny.com/pet-vet-bills-a-monthly-budget-plan-that-protects-savings-b8412</link><guid isPermaLink="true">https://planpenny.com/pet-vet-bills-a-monthly-budget-plan-that-protects-savings-b8412</guid><description>Vet bills keep hitting your emergency fund? Build a pet budget in 4 steps: routine costs, a separate pet fund, insurance math and what to ask the vet.</description><pubDate>Mon, 02 Nov 2026 08:00:00 GMT</pubDate></item><item><title>How to Calculate Your Personal Savings Rate for Retirement</title><link>https://planpenny.com/how-to-calculate-your-personal-savings-rate-for-retirement-5fd2c</link><guid isPermaLink="true">https://planpenny.com/how-to-calculate-your-personal-savings-rate-for-retirement-5fd2c</guid><description>Stop guessing. Learn the simple formula to find your personal savings rate. See if you are on track for retirement with concrete examples and steps.</description><pubDate>Mon, 02 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Credit Card Debt After a Job Loss: A 30-Day Survival Plan</title><link>https://planpenny.com/credit-card-debt-after-a-job-loss-a-30-day-survival-plan-dc48b</link><guid isPermaLink="true">https://planpenny.com/credit-card-debt-after-a-job-loss-a-30-day-survival-plan-dc48b</guid><description>Lost your job with credit card debt? Learn which bills to pay first, what to say to ask for a hardship program, and the costly traps to avoid.</description><pubDate>Mon, 02 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Find Forgotten Subscriptions on Your Bank Statement Fast</title><link>https://planpenny.com/find-forgotten-subscriptions-on-your-bank-statement-fast-fad9a</link><guid isPermaLink="true">https://planpenny.com/find-forgotten-subscriptions-on-your-bank-statement-fast-fad9a</guid><description>Paying for things you don&#x27;t use? Audit 90 days of bank and card statements in about an hour, spot hidden recurring fees, and cancel them the right way.</description><pubDate>Mon, 02 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Find Forgotten Subscriptions on Your Bank Statement Fast</title><link>https://planpenny.com/find-forgotten-subscriptions-on-your-bank-statement-fast-ec205</link><guid isPermaLink="true">https://planpenny.com/find-forgotten-subscriptions-on-your-bank-statement-fast-ec205</guid><description>Pull 3 months of statements, decode names like APPLE.COM/BILL, and cancel the digital fees you forgot about. A simple one-hour checklist anyone can follow.</description><pubDate>Mon, 02 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Rebalance Index Funds Without a Surprise Tax Bill: 5 Ways</title><link>https://planpenny.com/rebalance-index-funds-without-a-surprise-tax-bill-5-ways-37318</link><guid isPermaLink="true">https://planpenny.com/rebalance-index-funds-without-a-surprise-tax-bill-5-ways-37318</guid><description>Selling winners to rebalance can trigger capital gains tax. Learn 5 low-tax ways to get back to your target mix, with a worked example and checklist.</description><pubDate>Sun, 01 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Credit Card Hardship Plan: What to Say and What It Costs You</title><link>https://planpenny.com/credit-card-hardship-plan-what-to-say-and-what-it-costs-you-12737</link><guid isPermaLink="true">https://planpenny.com/credit-card-hardship-plan-what-to-say-and-what-it-costs-you-12737</guid><description>Call your card issuer before you miss a payment. Here is the script, the documents to have ready, and how a hardship plan can affect your credit score.</description><pubDate>Sun, 01 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Find Forgotten Subscriptions in Your Bank Statements Fast</title><link>https://planpenny.com/find-forgotten-subscriptions-in-your-bank-statements-fast-01c2f</link><guid isPermaLink="true">https://planpenny.com/find-forgotten-subscriptions-in-your-bank-statements-fast-01c2f</guid><description>A step-by-step audit to spot hidden recurring charges, from app store bills to annual renewals, cancel what you don&#x27;t use, and keep them from coming back.</description><pubDate>Sun, 01 Nov 2026 08:00:00 GMT</pubDate></item><item><title>9 Things Car Insurers Check Besides Your Driving Record</title><link>https://planpenny.com/9-things-car-insurers-check-besides-your-driving-record-870f3</link><guid isPermaLink="true">https://planpenny.com/9-things-car-insurers-check-besides-your-driving-record-870f3</guid><description>Clean record but high premium? Insurers also score your credit, ZIP code, car model, mileage, age, and gaps in coverage. See each factor and what you can change.</description><pubDate>Sun, 01 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Retirement Savings Gap Before 40: The 4-Step Math to Check</title><link>https://planpenny.com/retirement-savings-gap-before-40-the-4-step-math-to-check-667ef</link><guid isPermaLink="true">https://planpenny.com/retirement-savings-gap-before-40-the-4-step-math-to-check-667ef</guid><description>Check in 20 minutes whether your retirement savings are on track before 40. Four steps, one example, and what to do if the gap is bigger than expected.</description><pubDate>Sun, 01 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Quit Credit Cards Cold Turkey Without Tanking Your Score</title><link>https://planpenny.com/quit-credit-cards-cold-turkey-without-tanking-your-score-06c26</link><guid isPermaLink="true">https://planpenny.com/quit-credit-cards-cold-turkey-without-tanking-your-score-06c26</guid><description>Want to stop using credit cards completely? Don&#x27;t close them yet. Here&#x27;s how to quit spending on cards while keeping your credit score safe, step by step.</description><pubDate>Sun, 01 Nov 2026 08:00:00 GMT</pubDate></item></channel></rss>