Pennies & More

Small money moves, explained plainly. They add up.

Free guides and calculators for US households on mortgages, savings, credit and loans. No jargon, no sales pitch for a lender, and no account needed to read anything.

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What a little a day turns into

In a year
$1,825
In 10 years
$18,250
In 10 years, if it earned 4% a year
$22,394

Illustration only. Assumes equal monthly deposits and a steady 4% annual return compounded monthly. Real returns vary, and savings accounts pay what their current rate is.

Start with what's in front of you

Buying a home

What lenders look at, which loan types fit, and the real cost of closing.

Getting out of debt

A clear payoff plan, and how to avoid the offers that make it worse.

Building savings

An emergency fund first, then goals, then the long term.

The free Money Playbook

A printable PDF with the advice from our guides boiled down to what to do first, plus a full personal finance checklist, a one-page budget worksheet and a debt list you can fill in by hand.

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Sixteen guides, one topic at a time

Each guide covers the key ideas, the questions to ask, what to watch out for, and where to find free official help.

Mortgages and home

Saving

Credit and loans

Budget and protection

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See everything in the club

  1. Week 1Budget and cash flow
  2. Week 2Credit and debt
  3. Week 3Home and mortgage
  4. Week 4Saving and the long term