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.

Michele VW Testimonial – Fort Collins, CO

“Penny has the patience of a saint;
The heart and degree of a social worker;
The business mind of a banker;
The wisdom and life experience of someone who walks what she talks.”


I have been working with Penny for several years now as a friend and confidant working intensely on my budget and financial planning.  I was delighted when she told me she was going into business as a financial coach. 

She’s a natural; genuinely committed to those seeking direction in cleaning up their finances.


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.


Wendy R Testimonial

“I have known Penny for MANY years. In all those years, I have never known such a dedicated, hard working person.”

She is truly passionate about the work she does and cares very much about her clients.

She has the ability to look at the whole picture in a non-judgmental way. She is smart, honest, trustworthy, kind, funny, and excellent listener. Penny is not only a valuable tool for advice, but also has the personal experience of applying what her work entails.

I believe without a doubt, that she will bring the very best of herself to her clients. She is FANTASTIC!


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.


At Her Wits End

I had the opportunity to guest author with my friend Gary Crist – Penny

Dear Gary: I have a grown daughter who is a single mother to my 5-year-old grandson, Brandon. My daughter works full time, rents an apartment and has transportation. My frustration is with the choices she makes financially and how these affect my grandson.

Just so you know, Brandon’s father is in prison and is of little help to his family. I get very frustrated with the way my daughter blows her money and then comes to me to help her out with monthly bills, etc. She has no savings account and spends money like she has a lot of it. She leases a new car, buys new clothes and expensive things like an iPad, huge flat-screen TV, etc. Much of this goes on her credit cards, which are usually maxed out.

I know I should not enable her by bailing her out every month, but I cannot let my grandson go without the things he needs. I know you are not a financial planner, but any direction or advice I could show her would be very helpful.

— At My Wits End in Loveland