<?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>Use Credit Card Rewards to Cut Your Monthly Bills Down</title><link>https://planpenny.com/use-credit-card-rewards-to-cut-your-monthly-bills-down-4cdb9</link><guid isPermaLink="true">https://planpenny.com/use-credit-card-rewards-to-cut-your-monthly-bills-down-4cdb9</guid><description>Learn step‑by‑step how to turn everyday credit‑card points and cash‑back into money that directly offsets rent, groceries, utilities, and more—no jargon, just real</description><pubDate>Fri, 16 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Credit Card Debt and No Savings? 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A one-hour subscription audit, step by step.</description><pubDate>Fri, 16 Oct 2026 08:00:00 GMT</pubDate></item><item><title>How Insurers Check Your Annual Mileage (and What to Do)</title><link>https://planpenny.com/how-insurers-check-your-annual-mileage-and-what-to-do-7d6da</link><guid isPermaLink="true">https://planpenny.com/how-insurers-check-your-annual-mileage-and-what-to-do-7d6da</guid><description>Odometer photos, service records, vehicle history reports and driving apps. See how insurers check the miles you report and how to report them right.</description><pubDate>Fri, 16 Oct 2026 08:00:00 GMT</pubDate></item><item><title>How to Build a Pet Emergency Fund Without Raiding Savings</title><link>https://planpenny.com/how-to-build-a-pet-emergency-fund-without-raiding-savings-b383b</link><guid isPermaLink="true">https://planpenny.com/how-to-build-a-pet-emergency-fund-without-raiding-savings-b383b</guid><description>Set a real target from your vet&#x27;s prices, save a little each payday in a separate account, and know what to do if the emergency comes first.</description><pubDate>Thu, 15 Oct 2026 08:00:00 GMT</pubDate></item><item><title>How Much to Save for Retirement When Prices Keep Rising</title><link>https://planpenny.com/how-much-to-save-for-retirement-when-prices-keep-rising-5f2f0</link><guid isPermaLink="true">https://planpenny.com/how-much-to-save-for-retirement-when-prices-keep-rising-5f2f0</guid><description>Estimate spending, subtract Social Security, apply the 4% rule, then adjust for inflation. 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See how adjusters calculate actual cash value, what gets deducted, and 7 steps to push back with proof.</description><pubDate>Thu, 15 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Rebuild Credit After Bankruptcy or Foreclosure: 5 Steps</title><link>https://planpenny.com/rebuild-credit-after-bankruptcy-or-foreclosure-5-steps-fa048</link><guid isPermaLink="true">https://planpenny.com/rebuild-credit-after-bankruptcy-or-foreclosure-5-steps-fa048</guid><description>A clear plan to rebuild credit after bankruptcy or foreclosure: fix report errors, pick the right starter card, avoid traps, and know mortgage waits.</description><pubDate>Thu, 15 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Credit Card Debt on Leave: Act Before You Fall Behind</title><link>https://planpenny.com/credit-card-debt-on-leave-act-before-you-fall-behind-7afe7</link><guid isPermaLink="true">https://planpenny.com/credit-card-debt-on-leave-act-before-you-fall-behind-7afe7</guid><description>Going on a long leave from work? Ask card issuers for hardship help early, protect your credit score, and stop debt growing while income is down.</description><pubDate>Thu, 15 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Stop the Big Tax Refund: Fix Your W-4 and Get Paid Monthly</title><link>https://planpenny.com/stop-the-big-tax-refund-fix-your-w-4-and-get-paid-monthly-742a1</link><guid isPermaLink="true">https://planpenny.com/stop-the-big-tax-refund-fix-your-w-4-and-get-paid-monthly-742a1</guid><description>A big tax refund means you overpaid all year. Learn how to update your W-4 step by step to keep more of each paycheck without owing at tax time.</description><pubDate>Thu, 15 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Why a Higher Deductible Barely Lowers Your Car Insurance</title><link>https://planpenny.com/why-a-higher-deductible-barely-lowers-your-car-insurance-4c83c</link><guid isPermaLink="true">https://planpenny.com/why-a-higher-deductible-barely-lowers-your-car-insurance-4c83c</guid><description>Raised your deductible and the bill barely moved? Here&#x27;s why liability has no deductible, plus simple break-even math to decide if $1,000 is worth it.</description><pubDate>Thu, 15 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Splitting a Joint Bank Account in Divorce: Avoid Fee Traps</title><link>https://planpenny.com/splitting-a-joint-bank-account-in-divorce-avoid-fee-traps-90686</link><guid isPermaLink="true">https://planpenny.com/splitting-a-joint-bank-account-in-divorce-avoid-fee-traps-90686</guid><description>A step-by-step plan to divide a joint checking or savings account during divorce, open your own account first, and dodge overdraft and closing fees.</description><pubDate>Thu, 15 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Closed Credit Card Hurting Your Score? What to Do First</title><link>https://planpenny.com/closed-credit-card-hurting-your-score-what-to-do-first-e0126</link><guid isPermaLink="true">https://planpenny.com/closed-credit-card-hurting-your-score-what-to-do-first-e0126</guid><description>A closed card stays on your report for years. The real damage is lost credit limit. Here is what to do in the first 30 days to win your score back.</description><pubDate>Wed, 14 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Pet Budget Plan: Cover Vet Bills and Keep Saving Every Month</title><link>https://planpenny.com/pet-budget-plan-cover-vet-bills-and-keep-saving-every-month-fb396</link><guid isPermaLink="true">https://planpenny.com/pet-budget-plan-cover-vet-bills-and-keep-saving-every-month-fb396</guid><description>Split pet costs into 3 buckets: monthly basics, yearly care and a pet emergency fund. A step-by-step budget that keeps your own savings on track.</description><pubDate>Wed, 14 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Life Insurance Basics: Know Before Buying First Policy</title><link>https://planpenny.com/life-insurance-basics-know-before-buying-first-policy-549f9</link><guid isPermaLink="true">https://planpenny.com/life-insurance-basics-know-before-buying-first-policy-549f9</guid><description>Learn the essential life insurance basics, types, costs, and a clear step‑by‑step plan so you can confidently choose your first policy without confusion.</description><pubDate>Wed, 14 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Cut AC Costs by 20%: 7 Simple Hacks for Lower Bills</title><link>https://planpenny.com/cut-ac-costs-by-20-7-simple-hacks-for-lower-bills-28836</link><guid isPermaLink="true">https://planpenny.com/cut-ac-costs-by-20-7-simple-hacks-for-lower-bills-28836</guid><description>Stop wasting money on high electricity bills. Learn 7 specific, low-cost ways to keep your AC running efficiently and save cash every month.</description><pubDate>Wed, 14 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Mutual Funds vs ETFs for Retirement: How to Pick in 4 Steps</title><link>https://planpenny.com/mutual-funds-vs-etfs-for-retirement-how-to-pick-in-4-steps-fd7e9</link><guid isPermaLink="true">https://planpenny.com/mutual-funds-vs-etfs-for-retirement-how-to-pick-in-4-steps-fd7e9</guid><description>Mutual fund or ETF for your 401(k) or IRA? Learn the real differences in cost, taxes and minimums, plus a simple 4-step way to decide for retirement.</description><pubDate>Wed, 14 Oct 2026 08:00:00 GMT</pubDate></item><item><title>How to Pay Off Debt While Dealing With Unexpected Medical Bills</title><link>https://planpenny.com/how-to-pay-off-debt-while-dealing-with-unexpected-medical-bills-a391a</link><guid isPermaLink="true">https://planpenny.com/how-to-pay-off-debt-while-dealing-with-unexpected-medical-bills-a391a</guid><description>Learn a step-by-step plan to pay off debt and handle surprise medical bills. Protect your credit score and get out of debt without stress.</description><pubDate>Wed, 14 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Moving Abroad for Good? What Happens to Your Insurance</title><link>https://planpenny.com/moving-abroad-for-good-what-happens-to-your-insurance-12e5e</link><guid isPermaLink="true">https://planpenny.com/moving-abroad-for-good-what-happens-to-your-insurance-12e5e</guid><description>Moving abroad permanently? See what happens to your health, auto, home, and life insurance, which policies to keep or cancel, and what to buy first.</description><pubDate>Wed, 14 Oct 2026 08:00:00 GMT</pubDate></item></channel></rss>