<?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>Why Your Zip Code Raises (or Lowers) Your Car Insurance</title><link>https://planpenny.com/why-your-zip-code-raises-or-lowers-your-car-insurance-7825e</link><guid isPermaLink="true">https://planpenny.com/why-your-zip-code-raises-or-lowers-your-car-insurance-7825e</guid><description>Insurers price car insurance by zip code using claims, theft, traffic and repair costs in your area. See what drives it and 7 ways to lower your rate.</description><pubDate>Fri, 06 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Paying Only the Credit Card Minimum? See the Real Cost</title><link>https://planpenny.com/paying-only-the-credit-card-minimum-see-the-real-cost-b68d7</link><guid isPermaLink="true">https://planpenny.com/paying-only-the-credit-card-minimum-see-the-real-cost-b68d7</guid><description>Paying only the minimum on a $5,000 card balance can take over 16 years and cost more in interest than you borrowed. See the math and a faster way out.</description><pubDate>Thu, 05 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Investing $100 a Month in Index Funds: A Simple Setup</title><link>https://planpenny.com/investing-100-a-month-in-index-funds-a-simple-setup-1df89</link><guid isPermaLink="true">https://planpenny.com/investing-100-a-month-in-index-funds-a-simple-setup-1df89</guid><description>Want to invest $100 a month in index funds without the stress? Pick an account, choose one broad fund, automate it, and leave it alone. Here is how.</description><pubDate>Thu, 05 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Cut Monthly Bills First, Groceries Last: A 7-Step Plan</title><link>https://planpenny.com/cut-monthly-bills-first-groceries-last-a-7-step-plan-63a53</link><guid isPermaLink="true">https://planpenny.com/cut-monthly-bills-first-groceries-last-a-7-step-plan-63a53</guid><description>Protect your weekly grocery budget and cut where it counts: subscriptions, phone, internet, insurance and bank fees. Free worksheet and call script.</description><pubDate>Thu, 05 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Multi-Car Accident: Who Pays Your Insurance Deductible?</title><link>https://planpenny.com/multi-car-accident-who-pays-your-insurance-deductible-94e5d</link><guid isPermaLink="true">https://planpenny.com/multi-car-accident-who-pays-your-insurance-deductible-94e5d</guid><description>In a pileup or 3-car crash, your deductible depends on fault, which policy pays, and your state&#x27;s rules. Here&#x27;s how it works and how to get it back.</description><pubDate>Thu, 05 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Cash-Only Budget: How to Find Your Real Savings Rate</title><link>https://planpenny.com/cash-only-budget-how-to-find-your-real-savings-rate-92e14</link><guid isPermaLink="true">https://planpenny.com/cash-only-budget-how-to-find-your-real-savings-rate-92e14</guid><description>Live on cash? Learn the simple formula to calculate your savings rate, a 3-envelope system to track it, and a free worksheet you can copy today.</description><pubDate>Thu, 05 Nov 2026 08:00:00 GMT</pubDate></item><item><title>How to Reinvest Dividends from Index Funds for Wealth</title><link>https://planpenny.com/how-to-reinvest-dividends-from-index-funds-for-wealth-a115a</link><guid isPermaLink="true">https://planpenny.com/how-to-reinvest-dividends-from-index-funds-for-wealth-a115a</guid><description>Stop letting cash sit in your account. Learn the simple 3-step process to auto-reinvest index fund dividends and boost your long-term retirement savings.</description><pubDate>Thu, 05 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Annual Subscriptions: Divide by 12 and Never Get Surprised</title><link>https://planpenny.com/annual-subscriptions-divide-by-12-and-never-get-surprised-25203</link><guid isPermaLink="true">https://planpenny.com/annual-subscriptions-divide-by-12-and-never-get-surprised-25203</guid><description>List every yearly charge, divide by 12, and save that amount each month in a separate account. Step-by-step setup, example table, and late-start fixes.</description><pubDate>Thu, 05 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Authorized User on a Credit Card: Score Boost or Debt Risk?</title><link>https://planpenny.com/authorized-user-on-a-credit-card-score-boost-or-debt-risk-c2797</link><guid isPermaLink="true">https://planpenny.com/authorized-user-on-a-credit-card-score-boost-or-debt-risk-c2797</guid><description>Being an authorized user can raise your score or drag it down. Learn when it helps, when you could owe money, and how to get removed if the card goes bad.</description><pubDate>Thu, 05 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Will Filing a Claim Raise Your Premium? What Really Happens</title><link>https://planpenny.com/will-filing-a-claim-raise-your-premium-what-really-happens-32452</link><guid isPermaLink="true">https://planpenny.com/will-filing-a-claim-raise-your-premium-what-really-happens-32452</guid><description>One claim can follow you for years. Learn how insurers weigh fault, size and claim history, how long it counts, and when paying out of pocket wins.</description><pubDate>Thu, 05 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Emergency Fund Wiped Out? A 5-Step Plan to Rebuild It</title><link>https://planpenny.com/emergency-fund-wiped-out-a-5-step-plan-to-rebuild-it-9ec5a</link><guid isPermaLink="true">https://planpenny.com/emergency-fund-wiped-out-a-5-step-plan-to-rebuild-it-9ec5a</guid><description>A big bill emptied your savings? Follow this 5-step plan: set a mini-fund target, split money between debt and savings, and automate it from payday.</description><pubDate>Thu, 05 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Budgeting for a Baby Without Pausing Retirement Savings</title><link>https://planpenny.com/budgeting-for-a-baby-without-pausing-retirement-savings-47b78</link><guid isPermaLink="true">https://planpenny.com/budgeting-for-a-baby-without-pausing-retirement-savings-47b78</guid><description>Expecting a baby? Keep your employer match, build a baby fund, and find the money in your budget first. A step-by-step plan with a worksheet you can copy.</description><pubDate>Wed, 04 Nov 2026 08:00:00 GMT</pubDate></item><item><title>How Credit Card Interest Is Calculated (and How to Cut It)</title><link>https://planpenny.com/how-credit-card-interest-is-calculated-and-how-to-cut-it-1b0f6</link><guid isPermaLink="true">https://planpenny.com/how-credit-card-interest-is-calculated-and-how-to-cut-it-1b0f6</guid><description>Learn the 3-step formula for credit card interest with real numbers, see why minimum payments trap you, and use 5 simple moves to pay off your debt faster.</description><pubDate>Wed, 04 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Your Car Insurance Deductible After a Crash, Explained</title><link>https://planpenny.com/your-car-insurance-deductible-after-a-crash-explained-c3f62</link><guid isPermaLink="true">https://planpenny.com/your-car-insurance-deductible-after-a-crash-explained-c3f62</guid><description>Who pays what after a car crash? See when your collision deductible applies, when you pay nothing, and how to get your deductible back if not at fault.</description><pubDate>Wed, 04 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Emergency Fund on Minimum Wage: Start With $5 a Paycheck</title><link>https://planpenny.com/emergency-fund-on-minimum-wage-start-with-5-a-paycheck-369e9</link><guid isPermaLink="true">https://planpenny.com/emergency-fund-on-minimum-wage-start-with-5-a-paycheck-369e9</guid><description>Building an emergency fund on minimum wage feels impossible. A step-by-step plan to save your first $500 in small, steady amounts without burning out.</description><pubDate>Wed, 04 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Retirement Savings Target With Inflation: 4-Step Math</title><link>https://planpenny.com/retirement-savings-target-with-inflation-4-step-math-c424a</link><guid isPermaLink="true">https://planpenny.com/retirement-savings-target-with-inflation-4-step-math-c424a</guid><description>$50,000 a year today costs about $104,700 in 25 years at 3% inflation. Use this 4-step method to find your real retirement number and monthly savings.</description><pubDate>Wed, 04 Nov 2026 08:00:00 GMT</pubDate></item><item><title>How to Handle Credit Card Debt After a Divorce Settlement</title><link>https://planpenny.com/how-to-handle-credit-card-debt-after-a-divorce-settlement-a08a4</link><guid isPermaLink="true">https://planpenny.com/how-to-handle-credit-card-debt-after-a-divorce-settlement-a08a4</guid><description>Learn how to pay off shared credit card debt after divorce. Step-by-step guide to protect your credit score and get out of debt fast.</description><pubDate>Wed, 04 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Annual Fees Without the Shock: Build a Simple Sinking Fund</title><link>https://planpenny.com/annual-fees-without-the-shock-build-a-simple-sinking-fund-0a4ef</link><guid isPermaLink="true">https://planpenny.com/annual-fees-without-the-shock-build-a-simple-sinking-fund-0a4ef</guid><description>Amazon Prime, Costco, car registration, insurance: annual bills wreck budgets. Here&#x27;s how to turn them into one small monthly amount you never notice.</description><pubDate>Wed, 04 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Life Insurance Riders Explained: Which Add-Ons Are Worth It</title><link>https://planpenny.com/life-insurance-riders-explained-which-add-ons-are-worth-it-05128</link><guid isPermaLink="true">https://planpenny.com/life-insurance-riders-explained-which-add-ons-are-worth-it-05128</guid><description>Waiver of premium, accelerated benefit, child term and more: what each life insurance rider does, what to check in the fine print, and how to choose.</description><pubDate>Wed, 04 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Your Real Hourly Pay After the Commute: A Simple Worksheet</title><link>https://planpenny.com/your-real-hourly-pay-after-the-commute-a-simple-worksheet-acd32</link><guid isPermaLink="true">https://planpenny.com/your-real-hourly-pay-after-the-commute-a-simple-worksheet-acd32</guid><description>Your $22 an hour may really be $10 once commute time, gas and car wear count. Use this 11-line worksheet and worked example to find your true hourly wage.</description><pubDate>Wed, 04 Nov 2026 08:00:00 GMT</pubDate></item></channel></rss>