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.

Kristi Nay Testimonial

“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.


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.


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/

What TIME is it Wise Guys?

It’s TIME to get your finances in order! It’s TIME to do a written zero-based budget. It’s TIME to finally get out of debt. It’s TIME to quit procrastinating and start investing for your future. It’s TIME to contact Penny to talk about how you can start 2017 off right. Email me at Penny@PennywiseCoaching.com or call me at 970-215-7618 now and I’ll get back to you soon to set up your free 30 minute session. (I love my new Christmas gift made by my talented husband. Note how each hour is marked by the correct “number”)