Author Archive

Penny Kidd

I'm a social worker turned Financial Coach. I'm completely debt free (including my house!) and help others make their money behave by doing a budget and becoming intentional with their money.

“I feel way more at ease with what is going on in the world right now”

“I am so thankful we worked with you because our decisions have been much better and I feel way more at ease with what is going on in the world right now. We still have a ways to go to be totally debt-free, but we are on our way and still budgeting!” – Shannon


A journey of a thousand miles begins with the first step. Fill out this form to be contacted to schedule your Free 45-minute Discovery Session and begin the journey to become WISE with money.


Where Do We Go From Here?

Taking Steps Toward Financial Happiness and Balance in the Wake of COVID-19

This hasn’t been an easy ride for any of us. Many of us are currently faced with fears, uncertainty, and worry in a variety of ways. Our relationships have taken a toll, our stress levels are at an all-time high, and at the end of the day, we are exhausted. So, where do we go from here?

Well, now we rebuild and reclaim. It starts by taking an honest look at where we are and creating a plan to realign. While most of us hate to hear the phrase “the new normal,” it is the reality of what we are facing at this time. It can be really challenging to take a long, hard look at where we’re at and where we want to be, but it is the only way to truly create inspired, lasting change.

If we can look at our lives through an objective lens, where do we see room for improvement? What are some tweaks and changes we can make right now, and what are some achievable goals we can set to keep ourselves going?

So what does this mean for us? Well, for those of us in relationships, we need to talk to our partners and try to get on the same page. About our goals and our finances. When there are crystal clear lines of communication, and a mutual understanding of each other, it becomes that much easier to be aligned with the same vision moving forward. A true partnership allows everyone’s voices to be heard, and to make joint decisions together as a team. Finances can be an emotional subject but they need to be discussed so change can happen. This support is vitally important at this time, and can actually serve as a bonding experience during these strange moments.

What else can we do? We can take a little time for peace and relaxation. During this fearful time of doubt, anxiety, and financial stress it is now more important than ever to practice self-care. Whatever serves as good therapy right now, we need to find more time for that. When we give ourselves a moment to really take a breath, it gives us the energy and the strength we need to take a step. Take some time to reflect, and find some peace and calming. It will help to put you in a better headspace for moving forward.

If you could use a little extra help through private coaching at this time, let’s get to know each other and see if we are a good fit to work together. You can book your 45-minute Initial Discovery Session here.


Looking for private coaching? Schedule some time together by phone or video conference to get to know each other a bit and see if we are a good fit to work together.


What It Means To Be Financially Free

When we are financially free, we are also free from worry.

Budgeting and saving money is no easy feat. It takes time, dedication, planning, and self-control.

It’s truly hard work to achieve that level of discipline, and at times it can start to weigh heavily. So if you’re sitting here asking yourself what’s the point of it all, I have one simple, seven-letter word for you: freedom. We do this work in order to achieve financial freedom, but there are many other types of freedom we gain in return. 

When we are financially free, we are also free from worry. All of our financial-related stresses and anxieties start melting away, leaving us with more time, energy, and money to do things we love. This allows us the freedom to do what we want to do, and to be who we want to be. When we have financial woes, it trickles down into so many areas of our lives, including our marriage, relationships, and health. You deserve to feel like your best self so that you can then in turn start truly living your best life. 

Franklin D. Roosevelt once said, “In the truest sense, freedom cannot be bestowed; it must be achieved,” and what wise words these are. There is so much power to be had in achieving your own freedom. If someone else were to hand you the keys to this freedom, you would never essentially be free because that freedom would always come with a cost. There would always be a catch, or you would always be living life on someone else’s terms. However, when we create our own freedom, that is where our true power lies. When we prove to ourselves that we can not only survive, but thrive, that how we take back the reins and regain control over our own lives. That sovereignty then fuels us, pushing us to continue to take inspired action and create lasting change.  

In Janis Joplin’s hit song, “Me and Bobby McGee,” Joplin sings the words, “Freedom’s just another word for nothing left to lose.” When you set yourself up for success through positive routines, it is such a liberating feeling. When you have achieved financial freedom, you will feel as though you have nothing left to lose, and only so much more to gain. So if you’re on the road to re-writing your financial future, financial coaching can be a huge leap in the right direction. It all starts by taking the first step! Contact me to set up your 45 Minute Initial Discovery Session, where we can get to know each other a bit, and see if we are a good fit for working together. You can schedule your session here.


Looking for private coaching? Schedule some time together by phone or video conference to get to know each other a bit and see if we are a good fit to work together.