<?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>Old Credit Card Debt in Collections? Don&#x27;t Restart the Clock</title><link>https://planpenny.com/old-credit-card-debt-in-collections-dont-restart-the-clock-e8b56</link><guid isPermaLink="true">https://planpenny.com/old-credit-card-debt-in-collections-dont-restart-the-clock-e8b56</guid><description>A small payment on old credit card debt can restart the lawsuit clock in many states. Learn what resets it, your rights, and safe steps before you pay.</description><pubDate>Sun, 27 Sep 2026 08:00:00 GMT</pubDate></item><item><title>How to Build a Monthly Budget When You Hate Math (3 Numbers)</title><link>https://planpenny.com/how-to-build-a-monthly-budget-when-you-hate-math-3-numbers-24c25</link><guid isPermaLink="true">https://planpenny.com/how-to-build-a-monthly-budget-when-you-hate-math-3-numbers-24c25</guid><description>Build a monthly budget with three numbers and a phone calculator. A filled-in example, four simple buckets, and tracking systems with no spreadsheets.</description><pubDate>Sun, 27 Sep 2026 08:00:00 GMT</pubDate></item><item><title>How to Read Your Insurance Declarations Page</title><link>https://planpenny.com/how-to-read-your-insurance-declarations-page-51bda</link><guid isPermaLink="true">https://planpenny.com/how-to-read-your-insurance-declarations-page-51bda</guid><description>Stop guessing what your policy covers. Learn how to read the declarations page, spot hidden gaps, and understand your deductible in minutes.</description><pubDate>Sun, 27 Sep 2026 08:00:00 GMT</pubDate></item><item><title>Got Unexpected Money? A Simple Plan to Protect Your Budget</title><link>https://planpenny.com/got-unexpected-money-a-simple-plan-to-protect-your-budget-79ab8</link><guid isPermaLink="true">https://planpenny.com/got-unexpected-money-a-simple-plan-to-protect-your-budget-79ab8</guid><description>Bonus, tax refund or a big gig payment? Park it for 48 hours, check what is urgent, then split it with a simple rule so your monthly budget stays intact.</description><pubDate>Sun, 27 Sep 2026 08:00:00 GMT</pubDate></item><item><title>Savings Rate for Retirement: How to Calculate Yours Today</title><link>https://planpenny.com/savings-rate-for-retirement-how-to-calculate-yours-today-48868</link><guid isPermaLink="true">https://planpenny.com/savings-rate-for-retirement-how-to-calculate-yours-today-48868</guid><description>Learn what counts as savings, how to include your employer match, and what your savings rate says about retirement readiness, with a worked example.</description><pubDate>Sun, 27 Sep 2026 08:00:00 GMT</pubDate></item><item><title>Medical Bills and Credit Card Debt: Which Do You Pay First?</title><link>https://planpenny.com/medical-bills-and-credit-card-debt-which-do-you-pay-first-112df</link><guid isPermaLink="true">https://planpenny.com/medical-bills-and-credit-card-debt-which-do-you-pay-first-112df</guid><description>Stuck between medical bills and high-interest credit cards? Learn which to pay first, how to cut a hospital bill, and a simple month-by-month plan.</description><pubDate>Sun, 27 Sep 2026 08:00:00 GMT</pubDate></item><item><title>Stop Raiding Your Emergency Fund for Holidays and Tax Bills</title><link>https://planpenny.com/stop-raiding-your-emergency-fund-for-holidays-and-tax-bills-cd550</link><guid isPermaLink="true">https://planpenny.com/stop-raiding-your-emergency-fund-for-holidays-and-tax-bills-cd550</guid><description>Holidays, car registration and back-to-school keep draining your emergency fund? Build a seasonal sinking fund in 4 steps, with a worksheet and examples.</description><pubDate>Sun, 27 Sep 2026 08:00:00 GMT</pubDate></item><item><title>Index Fund Prospectus: The 5 Sections to Read Before Buying</title><link>https://planpenny.com/index-fund-prospectus-the-5-sections-to-read-before-buying-2155e</link><guid isPermaLink="true">https://planpenny.com/index-fund-prospectus-the-5-sections-to-read-before-buying-2155e</guid><description>Buying your first index fund? Read these 5 prospectus sections in 20 minutes: fees, strategy, risks, performance and buying rules. Free checklist inside.</description><pubDate>Sat, 26 Sep 2026 08:00:00 GMT</pubDate></item><item><title>Saver vs. Spender: A Money Plan for Couples Who Clash</title><link>https://planpenny.com/saver-vs-spender-a-money-plan-for-couples-who-clash-e9e40</link><guid isPermaLink="true">https://planpenny.com/saver-vs-spender-a-money-plan-for-couples-who-clash-e9e40</guid><description>Different spending habits don&#x27;t have to mean fights. Use the yours-mine-ours setup, fun money rules and a 30-minute monthly money talk. Start this week.</description><pubDate>Sat, 26 Sep 2026 08:00:00 GMT</pubDate></item><item><title>No Income and Credit Card Debt? What to Do Before You Miss</title><link>https://planpenny.com/no-income-and-credit-card-debt-what-to-do-before-you-miss-9ac25</link><guid isPermaLink="true">https://planpenny.com/no-income-and-credit-card-debt-what-to-do-before-you-miss-9ac25</guid><description>Lost your income? Learn which bills come first, the exact phone script to request a credit card hardship program, and the moves that make debt worse.</description><pubDate>Sat, 26 Sep 2026 08:00:00 GMT</pubDate></item><item><title>Vet Bills Without Panic: A Monthly Pet Budget That Works</title><link>https://planpenny.com/vet-bills-without-panic-a-monthly-pet-budget-that-works-c4e03</link><guid isPermaLink="true">https://planpenny.com/vet-bills-without-panic-a-monthly-pet-budget-that-works-c4e03</guid><description>Split pet costs into routine care and an emergency fund, copy our worksheet, and learn when pet insurance helps, so vet bills stop hitting your savings.</description><pubDate>Sat, 26 Sep 2026 08:00:00 GMT</pubDate></item><item><title>Does Life Insurance Have a Deductible? What You Really Pay</title><link>https://planpenny.com/does-life-insurance-have-a-deductible-what-you-really-pay-60ab1</link><guid isPermaLink="true">https://planpenny.com/does-life-insurance-have-a-deductible-what-you-really-pay-60ab1</guid><description>Life insurance has no deductible: the payout is not reduced by a set amount. See what can lower it, how it compares to auto and health, and what to check.</description><pubDate>Sat, 26 Sep 2026 08:00:00 GMT</pubDate></item><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></channel></rss>