<?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>Checking Your Portfolio Daily? A 30-Day Plan to Stop</title><link>https://planpenny.com/checking-your-portfolio-daily-a-30-day-plan-to-stop-afb28</link><guid isPermaLink="true">https://planpenny.com/checking-your-portfolio-daily-a-30-day-plan-to-stop-afb28</guid><description>Delete the app from your home screen, set one review day a month, and automate deposits. A simple 30-day plan to stop checking your investments daily.</description><pubDate>Tue, 27 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Lower Your Car Insurance Deductible and Keep Premiums Flat</title><link>https://planpenny.com/lower-your-car-insurance-deductible-and-keep-premiums-flat-d29b1</link><guid isPermaLink="true">https://planpenny.com/lower-your-car-insurance-deductible-and-keep-premiums-flat-d29b1</guid><description>A lower deductible usually costs more. Here are 8 real ways to offset it: discounts, vanishing deductibles, split coverages and shopping your policy.</description><pubDate>Tue, 27 Oct 2026 08:00:00 GMT</pubDate></item><item><title>How to Reinvest Dividends Without Raising Taxable Income</title><link>https://planpenny.com/how-to-reinvest-dividends-without-raising-taxable-income-1ac6d</link><guid isPermaLink="true">https://planpenny.com/how-to-reinvest-dividends-without-raising-taxable-income-1ac6d</guid><description>Stop paying taxes on every dividend. Learn 3 simple ways to reinvest dividends and keep more money in your retirement account today.</description><pubDate>Tue, 27 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Credit Card Debt or House Fund? How to Split Your Money</title><link>https://planpenny.com/credit-card-debt-or-house-fund-how-to-split-your-money-e3147</link><guid isPermaLink="true">https://planpenny.com/credit-card-debt-or-house-fund-how-to-split-your-money-e3147</guid><description>Paying 20%+ on cards while saving for a home? See the order that works, how to split each paycheck, and what lenders check before they say yes.</description><pubDate>Tue, 27 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Pet Emergency Fund: How to Save Without Raiding Savings</title><link>https://planpenny.com/pet-emergency-fund-how-to-save-without-raiding-savings-62c03</link><guid isPermaLink="true">https://planpenny.com/pet-emergency-fund-how-to-save-without-raiding-savings-62c03</guid><description>Build a separate pet emergency fund with small automatic transfers, see how long it takes at $25 to $100 a month, and plan a backup for big vet bills.</description><pubDate>Mon, 26 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Not-at-Fault Accident Claim: Will Your Car Insurance Rise?</title><link>https://planpenny.com/not-at-fault-accident-claim-will-your-car-insurance-rise-1fc8d</link><guid isPermaLink="true">https://planpenny.com/not-at-fault-accident-claim-will-your-car-insurance-rise-1fc8d</guid><description>A not-at-fault claim usually avoids an accident surcharge, but your rate can still rise. See the 6 hidden reasons and 10 steps to protect your premium.</description><pubDate>Mon, 26 Oct 2026 08:00:00 GMT</pubDate></item><item><title>How to Transfer Stocks to a New Brokerage Without Taxes</title><link>https://planpenny.com/how-to-transfer-stocks-to-a-new-brokerage-without-taxes-19f40</link><guid isPermaLink="true">https://planpenny.com/how-to-transfer-stocks-to-a-new-brokerage-without-taxes-19f40</guid><description>Learn step‑by‑step how to move your stock holdings to a new broker without creating a taxable event. Clear guide for beginners, no jargon, practical tips.</description><pubDate>Mon, 26 Oct 2026 08:00:00 GMT</pubDate></item><item><title>How to Calculate Credit Card Interest Added Monthly</title><link>https://planpenny.com/how-to-calculate-credit-card-interest-added-monthly-74397</link><guid isPermaLink="true">https://planpenny.com/how-to-calculate-credit-card-interest-added-monthly-74397</guid><description>Stop guessing what you owe. Learn the simple math to calculate your monthly credit card interest and see exactly how APR works against you.</description><pubDate>Mon, 26 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Budget Your Cross‑Country Move Without Emptying Savings</title><link>https://planpenny.com/budget-your-crosscountry-move-without-emptying-savings-8d418</link><guid isPermaLink="true">https://planpenny.com/budget-your-crosscountry-move-without-emptying-savings-8d418</guid><description>Learn step‑by‑step how to plan a cross‑country move, cut monthly expenses, and keep your savings intact with real numbers, timelines, and a simple budget table.</description><pubDate>Mon, 26 Oct 2026 08:00:00 GMT</pubDate></item><item><title>How to Separate Business and Personal Expenses in One Account</title><link>https://planpenny.com/how-to-separate-business-and-personal-expenses-in-one-account-58d5d</link><guid isPermaLink="true">https://planpenny.com/how-to-separate-business-and-personal-expenses-in-one-account-58d5d</guid><description>Stop mixing money. Learn 5 practical steps to track business vs. personal spending in one bank account. Simple budgeting tips for clarity.</description><pubDate>Mon, 26 Oct 2026 08:00:00 GMT</pubDate></item><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></channel></rss>