<?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>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><item><title>Got a Raise? Audit Your Budget Before Lifestyle Creep Hits</title><link>https://planpenny.com/got-a-raise-audit-your-budget-before-lifestyle-creep-hits-c3d10</link><guid isPermaLink="true">https://planpenny.com/got-a-raise-audit-your-budget-before-lifestyle-creep-hits-c3d10</guid><description>A raise only helps if you decide where it goes before you spend it. Use this 6-step budget audit to find your real take-home pay and assign every dollar.</description><pubDate>Sun, 01 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Term Life Length: Match It to Your Youngest Child&#x27;s Age</title><link>https://planpenny.com/term-life-length-match-it-to-your-youngest-childs-age-14ea4</link><guid isPermaLink="true">https://planpenny.com/term-life-length-match-it-to-your-youngest-childs-age-14ea4</guid><description>Pick a term life length that lasts until your family no longer needs your paycheck. See how to count the years, sample terms, and laddering tips.</description><pubDate>Sun, 01 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Debt-to-Income Ratio for a Consolidation Loan: Do the Math</title><link>https://planpenny.com/debt-to-income-ratio-for-a-consolidation-loan-do-the-math-fac10</link><guid isPermaLink="true">https://planpenny.com/debt-to-income-ratio-for-a-consolidation-loan-do-the-math-fac10</guid><description>Add your monthly debt payments, divide by gross monthly income, multiply by 100. See how a consolidation loan changes your DTI before you apply.</description><pubDate>Sat, 31 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Savings Rate on Commission Income: The 12-Month Method</title><link>https://planpenny.com/savings-rate-on-commission-income-the-12-month-method-c104c</link><guid isPermaLink="true">https://planpenny.com/savings-rate-on-commission-income-the-12-month-method-c104c</guid><description>Commission pay jumps around, so a monthly savings rate lies. Use a 12-month rolling method, a base-pay budget and a simple table to see what you really save.</description><pubDate>Sat, 31 Oct 2026 08:00:00 GMT</pubDate></item><item><title>First Brokerage Account: How to Open It and Skip Fees</title><link>https://planpenny.com/first-brokerage-account-how-to-open-it-and-skip-fees-e96c4</link><guid isPermaLink="true">https://planpenny.com/first-brokerage-account-how-to-open-it-and-skip-fees-e96c4</guid><description>Open your first brokerage account in about 20 minutes, fund it without fees, and avoid the transfer and account charges that catch beginners off guard.</description><pubDate>Sat, 31 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Lower Utility Bills Without the Thermostat: 12 Fixes</title><link>https://planpenny.com/lower-utility-bills-without-the-thermostat-12-fixes-44651</link><guid isPermaLink="true">https://planpenny.com/lower-utility-bills-without-the-thermostat-12-fixes-44651</guid><description>12 practical ways to lower electric, gas and water bills without changing your thermostat: water heater setting, leaks, rate plans and free utility help.</description><pubDate>Sat, 31 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Auto Insurance Declarations Page: Decode It Line by Line</title><link>https://planpenny.com/auto-insurance-declarations-page-decode-it-line-by-line-151fc</link><guid isPermaLink="true">https://planpenny.com/auto-insurance-declarations-page-decode-it-line-by-line-151fc</guid><description>What 50/100/25 means, where your deductible hides, and the 7 lines on your auto insurance declarations page to check before you renew or file a claim.</description><pubDate>Sat, 31 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Build an Emergency Fund Fast Without a New Bank Account</title><link>https://planpenny.com/build-an-emergency-fund-fast-without-a-new-bank-account-46a4b</link><guid isPermaLink="true">https://planpenny.com/build-an-emergency-fund-fast-without-a-new-bank-account-46a4b</guid><description>Learn step‑by‑step how to create a solid emergency fund using your current accounts. Simple budgeting, automatic transfers, and smart tricks in plain language.</description><pubDate>Sat, 31 Oct 2026 08:00:00 GMT</pubDate></item></channel></rss>