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.

“Much-needed budgeting guidelines and action steps!” – Jayne’s Testimonial

“Penny helped me with some much-needed budgeting guidelines and action steps!”

“I feel more empowered financially with more clarity around relevant decisions as my business continues to expand. Yay!”

Jayne Sanders


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.


It’s time to end your battle with money & find financial peace.

You are not alone in your struggle. “Money problems” feel like such an isolated thing – that you did something wrong, or you somehow got yourself into this. These are the awful things that our minds love to tell us, but this is so untrue.

Current data shows that 41.2% of all households carry some sort of credit card debt. With that debt on average for balance-carrying households being $9,333.*

And this is just the average – your debt total increases if you have children, have been through a divorce, have children in college, care for aging parents, or so many other life changes that can blur your financial security.

Struggling with money has many other negative effects outside of just your budget. We often see money issues flow into relationship issues. In fact, couples that argue about finances at least once a week are 30 times more likely to get divorced.**

Beyond your relationships, your physical health, mental health, and your sleep are all negatively affected by your constant battle with money.

It is simply time for that to stop.

You don’t have to live your life in a constant war with your wallet. You can find financial freedom and peace, and you can do this by getting some expert advice.

Financial education is not taught to us. Many of us have a very limited understanding of budgeting, debt elimination, and retirement saving. You have all the skills you need to live a debt-free life, you just need to be coached on where to start and what steps to take to get you on the right track.

Think about how much better your life, relationships, and future would be if you felt empowered by your money and happy about where you are at financially. How much better would you feel without money matters causing added stress in your life?

Financial peace is something anyone, with almost any income can achieve, and I’m here to teach you how.

Just go to my calendar and schedule your free Discovery Session with me.
We will take an honest and non-judgmental look at where you are at and will review steps you can take to free yourself of these unnecessary burdens. We will talk about and set financial goals, discuss what is realistic for your lifestyle and above all, how to make it all achievable.

This is a simple step you can take to change your life and re-write your financial story. I know that you can do this, and I am here to help you get there. Together we can make sure that history won’t repeat itself, breaking this cycle of financial hardship once and for all.

I am here for you, and I can’t wait to speak with you. Let’s take charge of your financial picture, and take back control of your life.

Penny


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.


*Source https://www.valuepenguin.com/average-credit-card-debt

**Source https://www.wf-lawyers.com/divorce-statistics-and-facts/