<?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 Card Debt or Down Payment? How to Split Every Dollar</title><link>https://planpenny.com/credit-card-debt-or-down-payment-how-to-split-every-dollar-a82f3</link><guid isPermaLink="true">https://planpenny.com/credit-card-debt-or-down-payment-how-to-split-every-dollar-a82f3</guid><description>Paying off credit cards and saving for a house at once? Use this step-by-step split, a sample monthly budget, and the numbers lenders actually check.</description><pubDate>Sun, 25 Oct 2026 08:00:00 GMT</pubDate></item><item><title>How to Budget for Annual Fees Without Monthly Cash Crunches</title><link>https://planpenny.com/how-to-budget-for-annual-fees-without-monthly-cash-crunches-2fd01</link><guid isPermaLink="true">https://planpenny.com/how-to-budget-for-annual-fees-without-monthly-cash-crunches-2fd01</guid><description>Turn yearly membership fees into a small monthly set-aside with a sinking fund. Step-by-step setup, a worked example, and what to do if a fee is due soon.</description><pubDate>Sun, 25 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Life Insurance Riders: Which Add-Ons Are Worth Paying For?</title><link>https://planpenny.com/life-insurance-riders-which-add-ons-are-worth-paying-for-bd5db</link><guid isPermaLink="true">https://planpenny.com/life-insurance-riders-which-add-ons-are-worth-paying-for-bd5db</guid><description>A plain-English look at life insurance riders: which add-ons protect your family, which ones usually waste money, and 8 questions to ask before buying.</description><pubDate>Sun, 25 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Is Inflation Eating Your Emergency Fund? 3 Steps to Fix It</title><link>https://planpenny.com/is-inflation-eating-your-emergency-fund-3-steps-to-fix-it-e1f24</link><guid isPermaLink="true">https://planpenny.com/is-inflation-eating-your-emergency-fund-3-steps-to-fix-it-e1f24</guid><description>Inflation quietly cuts what your emergency fund can buy. Learn how to re-measure it in today&#x27;s dollars, where to keep it safe, and how to top it up.</description><pubDate>Sun, 25 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Pay Off Debt and Protect Your Credit Score: 7 Moves to Make</title><link>https://planpenny.com/pay-off-debt-and-protect-your-credit-score-7-moves-to-make-ae200</link><guid isPermaLink="true">https://planpenny.com/pay-off-debt-and-protect-your-credit-score-7-moves-to-make-ae200</guid><description>Paying debt can hurt your score if you close cards or miss one bill. 7 safe moves, the order to pay in, and what to do about medical bills and collections.</description><pubDate>Sat, 24 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Life Insurance Medical Exam: What to Expect Step-by-Step</title><link>https://planpenny.com/life-insurance-medical-exam-what-to-expect-step-by-step-af063</link><guid isPermaLink="true">https://planpenny.com/life-insurance-medical-exam-what-to-expect-step-by-step-af063</guid><description>Wondering what happens during a life insurance medical exam? Learn the exact steps, tests, and how results affect your premium rate.</description><pubDate>Sat, 24 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Find Hidden Recurring Fees on Your Bank Statement Fast</title><link>https://planpenny.com/find-hidden-recurring-fees-on-your-bank-statement-fast-d8974</link><guid isPermaLink="true">https://planpenny.com/find-hidden-recurring-fees-on-your-bank-statement-fast-d8974</guid><description>A 30-minute audit to spot forgotten subscriptions: search words that reveal hidden charges, a yearly-cost table, and how to cancel so they stay gone.</description><pubDate>Sat, 24 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Expected Investment Returns: How to Estimate Them Honestly</title><link>https://planpenny.com/expected-investment-returns-how-to-estimate-them-honestly-a36d5</link><guid isPermaLink="true">https://planpenny.com/expected-investment-returns-how-to-estimate-them-honestly-a36d5</guid><description>Estimate your investment returns in 6 steps: three return scenarios, fees, inflation and a free spreadsheet formula. Worked examples with real math.</description><pubDate>Sat, 24 Oct 2026 08:00:00 GMT</pubDate></item><item><title>How to Manage Credit Card Debt After a Pay Cut</title><link>https://planpenny.com/how-to-manage-credit-card-debt-after-a-pay-cut-b3a36</link><guid isPermaLink="true">https://planpenny.com/how-to-manage-credit-card-debt-after-a-pay-cut-b3a36</guid><description>Lost income? Learn 5 specific steps to lower payments, stop interest, and keep your credit score safe without selling your car. Practical advice inside.</description><pubDate>Sat, 24 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Budget for a New Baby Without Cutting What Really Matters</title><link>https://planpenny.com/budget-for-a-new-baby-without-cutting-what-really-matters-54d82</link><guid isPermaLink="true">https://planpenny.com/budget-for-a-new-baby-without-cutting-what-really-matters-54d82</guid><description>Keep rent, food and insurance paid while you add baby costs and plan for unpaid leave. Step-by-step method, sample budget and costs people forget.</description><pubDate>Sat, 24 Oct 2026 08:00:00 GMT</pubDate></item><item><title>$500 or $1,000 Deductible? Comparing Car Insurance Quotes</title><link>https://planpenny.com/500-or-1000-deductible-comparing-car-insurance-quotes-08fea</link><guid isPermaLink="true">https://planpenny.com/500-or-1000-deductible-comparing-car-insurance-quotes-08fea</guid><description>How your deductible changes your car insurance price, a simple break-even test to pick one, and a worksheet to compare quotes from 3 insurers fairly.</description><pubDate>Sat, 24 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Find Forgotten Subscriptions on Your Bank Statement</title><link>https://planpenny.com/find-forgotten-subscriptions-on-your-bank-statement-ba1d3</link><guid isPermaLink="true">https://planpenny.com/find-forgotten-subscriptions-on-your-bank-statement-ba1d3</guid><description>A 7-step bank statement audit to catch forgotten subscriptions, rolled-over free trials, and app store charges, with a free worksheet you can copy.</description><pubDate>Sat, 24 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Dividends in Your IRA or 401(k): Reinvest, Hold, or Take?</title><link>https://planpenny.com/dividends-in-your-ira-or-401k-reinvest-hold-or-take-84916</link><guid isPermaLink="true">https://planpenny.com/dividends-in-your-ira-or-401k-reinvest-hold-or-take-84916</guid><description>Dividends inside an IRA or 401(k) aren&#x27;t taxed when paid. Learn when they&#x27;re taxed, why reinvesting usually wins, and the mistakes beginners make.</description><pubDate>Sat, 24 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Pay for Your Pet&#x27;s Yearly Vet Visit Without a Credit Card</title><link>https://planpenny.com/pay-for-your-pets-yearly-vet-visit-without-a-credit-card-226dd</link><guid isPermaLink="true">https://planpenny.com/pay-for-your-pets-yearly-vet-visit-without-a-credit-card-226dd</guid><description>Get your vet&#x27;s price list, divide by 12 and save in a separate fund. A simple plan to pay for your pet&#x27;s yearly checkup in cash, with real examples.</description><pubDate>Fri, 23 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Insurance Exclusions: What Your Policy Won&#x27;t Pay For</title><link>https://planpenny.com/insurance-exclusions-what-your-policy-wont-pay-for-e3fed</link><guid isPermaLink="true">https://planpenny.com/insurance-exclusions-what-your-policy-wont-pay-for-e3fed</guid><description>Exclusions decide what your insurance refuses to pay. See the most common ones for home, auto, health and life, and how to find them in your policy.</description><pubDate>Fri, 23 Oct 2026 08:00:00 GMT</pubDate></item><item><title>New Investor and the Market Just Dropped? Do This, Not That</title><link>https://planpenny.com/new-investor-and-the-market-just-dropped-do-this-not-that-e73a5</link><guid isPermaLink="true">https://planpenny.com/new-investor-and-the-market-just-dropped-do-this-not-that-e73a5</guid><description>The market fell right after you started investing. Here is a calm, six-step plan for beginners to handle volatility without panic selling or guessing.</description><pubDate>Fri, 23 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Authorized User on a Credit Card: Score Help or Debt Trap?</title><link>https://planpenny.com/authorized-user-on-a-credit-card-score-help-or-debt-trap-ebc0b</link><guid isPermaLink="true">https://planpenny.com/authorized-user-on-a-credit-card-score-help-or-debt-trap-ebc0b</guid><description>Being an authorized user can lift or sink your credit score. See when you owe the debt, when you do not, and how to get off a card that is hurting you.</description><pubDate>Fri, 23 Oct 2026 08:00:00 GMT</pubDate></item><item><title>How to Budget for Annual Fees Without Cashflow Pain</title><link>https://planpenny.com/how-to-budget-for-annual-fees-without-cashflow-pain-14942</link><guid isPermaLink="true">https://planpenny.com/how-to-budget-for-annual-fees-without-cashflow-pain-14942</guid><description>Stop getting hit by surprise annual bills. Learn a simple 3-step method to spread out membership fees and keep your monthly budget safe.</description><pubDate>Fri, 23 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Credit-Based Insurance Scores: How They Change Your Premium</title><link>https://planpenny.com/credit-based-insurance-scores-how-they-change-your-premium-41210</link><guid isPermaLink="true">https://planpenny.com/credit-based-insurance-scores-how-they-change-your-premium-41210</guid><description>Insurers use parts of your credit report to price auto and home policies in most states. Learn what counts, where it is banned, and 7 steps to act.</description><pubDate>Fri, 23 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Find Forgotten Subscriptions on Your Bank Statements Fast</title><link>https://planpenny.com/find-forgotten-subscriptions-on-your-bank-statements-fast-8d6bf</link><guid isPermaLink="true">https://planpenny.com/find-forgotten-subscriptions-on-your-bank-statements-fast-8d6bf</guid><description>Pull 90 days of statements, search 8 key words, and sort every repeat charge into keep, cancel, or downgrade. Step-by-step audit with a dispute plan.</description><pubDate>Fri, 23 Oct 2026 08:00:00 GMT</pubDate></item></channel></rss>