https://penciledinfinance.com/blog/ Plain-English answers to the money questions nobody explains. en-us Tue, 15 Sep 2026 02:27:03 +0000 https://penciledinfinance.com/blog/how-long-does-a-late-payment-stay-on-your-credit-report.html https://penciledinfinance.com/blog/how-long-does-a-late-payment-stay-on-your-credit-report.html Seven years from the date you were late, not from the date you paid it off. Here is how to work out the exact month it drops. Mon, 14 Sep 2026 00:00:00 +0000 https://penciledinfinance.com/blog/which-bank-fees-can-you-actually-get-waived.html https://penciledinfinance.com/blog/which-bank-fees-can-you-actually-get-waived.html More of them than you think, and the method is just asking. Here is which fees come off, which ones do not, and what to say on the call. Fri, 11 Sep 2026 00:00:00 +0000 https://penciledinfinance.com/blog/is-a-high-yield-savings-account-actually-worth-switching-to.html https://penciledinfinance.com/blog/is-a-high-yield-savings-account-actually-worth-switching-to.html Your bank probably pays 0.01%. Online banks are paying around 4%. Here is what that gap is worth at your actual balance, and when it is not worth the afternoon. Tue, 08 Sep 2026 00:00:00 +0000 https://penciledinfinance.com/blog/why-your-savings-account-keeps-resetting-to-the-same-number.html https://penciledinfinance.com/blog/why-your-savings-account-keeps-resetting-to-the-same-number.html You get to about six hundred dollars, something breaks, and you are back at zero. That is not a discipline problem. It is a structural one. Fri, 04 Sep 2026 00:00:00 +0000