Single Mom

I’m a self-employed single mom with two kids. I started working with Penny to find a budget that would help me carve out money for my kids’ college. I have irregular income due to being paid mostly on commission and the business’ ebb and flow. Penny helped me identify which expenses were constant both personally and in the business, and then define what income was REQUIRED to cover these expenses. This helped me to become aware of where my money was going. I became much more deliberate about my spending, and have paid off thousands of dollars in credit card debt. Working with Penny improved both my personal finances and my businesses finances. I enjoyed working with Pennywise because I found this process to be very emotional and we have a shared faith. I highly recommend Penny Kidd.

Kristi Nay

We took a Financial Peace class with Penny and Marc. Oh how we wish we’d known about this years ago – we’d be in a completely different financial state! Penny is not only highly qualified, she’s also non-judgmental and realistic. We found her to be a great balance between the idealized world of Financial Peace and the “real” world. We’ve paid off 4 credit cards in 6 months and within the next 10 years we’ll be completely debt free (including our home) because of what she taught us.

Arlene Samuelson

Penny is an amazing financial coach! I never knew I needed one until a wealth manager would not help us until we knew what our cash flow amounted to, and how much our living expenses were! I could not produce an answer. He recommended Penny, and we are busy getting our financial house in order. Her gifts are education and working with financial behavior; which statistically amounts to 80% of all finance problems. She has been professional and gentle while helping us get out of debt and clarify our financial goals. I never would have sat down to create a spreadsheet for my budget (because I couldn’t!) and Penny created one for us….all we have to do is fill it in…this was a huge relief! Penny genuinely desires to help us accomplish our goals! She celebrates with us and keeps us accountable. She is worth every PENNY!”

Arlene Samuelson; AMS Interiors  http://amsinteriors.net/

Lew & Jeannette Gaiter

Jeannette Gaiter

Penny is an excellent financial coach. She has encouraged me to find my way with finances. She uses principles to guide you, but allows you to be yourself as well. The goal is to help you, not to uphold the principles. Would highly recommend her services in any capacity. ~Jeannette

Lew Gaiter III

 

Penny did a great job helping us prioritize our finances and create a budget that works for us! ~Lew

 

Susan Kurzeka, M.Ed

My husband and I met with Penny to get our finances organized and start paying off our debt. She was incredibly helpful with our budgeting and determining which accounts to work on first. She also gave us some great recommendations regarding insurance and what areas to focus on for our future. Thanks Penny!

Tricia Thomas

Old friend, new client

“I have known Penny since we were students together at CSU!

Penny has been a wonderful friend for many years, and while I have not worked with her as a colleague, I have more recently become a client through Pennywise Coaching. Penny has really helped me to re-focus and organize my financial goals. I felt I was on a right track, but she has helped me take it to the next level, and become more financially conscious, exploring my personal goals and helping to plan toward accomplishing them!  She takes that care to explain and walk you through; doing what works for YOU! 

I can also speak to her character, dedication, determination, and plain fun spirit!  Penny accomplishes anything she sets her mind to, and does it with a confidence, and humor that is just a joy!  Her work and ethics are of the highest level and she sets the standard high for herself and others around her. I recommend Penny for coaching, projects or any position!!”

 

tricia-thomas