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.

The top 5 Holiday expenses you are (probably) forgetting about from Loveland’s Premier Financial Coach

pennywise coaching top 5 holidays expenses you are (probably) forgetting from loveland's premier financial coach

The Winter holidays are costly in both time and money. Most people are not really aware of where they are spending and truly how much. Many people are spending beyond their budget. Most are still paying for unplanned holiday expenses well into the next year!

As a Financial Coach, I see that the holiday expenses can rob you of your plan.

Even set your whole next year into a tailspin. So how can you prevent this? Well – with a plan. Start by looking at all the items you plan to spend money on this holiday season. Then build a budget (within your means) to cover these expenses.

To help you create a plan – I have outlined the top 5 Holiday expenses you are (probably) forgetting about. Look over these expenses and add them to your holiday budget. Including these expenses will help you stay on budget and start the new year off right!

If you are looking for more help with Holiday planning and budgeting – check out my brand-new email course all about how to plan for financial peace this holiday season.

The top 5 Holiday expenses you are (probably) forgetting about from a Financial Coach:

  1. Decorations – Xmas tree, lights, ornaments, house decor – they all add up!
  2. Clothing – for holiday-themed events or for parties. A clever outfit or ugly holiday sweater can make a large dent in your holiday budget.
  3. Higher Utilities – Electric bill due to all the extra indoor and outdoor lights. Water and gas for all the company at your house and so on!
  4. Special foods (or hostess gifts) – for parties or traditions like cookies exchanges, company potlucks, friends dinner, or just special seasonal treats.
  5. Money for travel – even if you are not planning a big trip, you will probably be traveling this holiday season. Add in some money for extra gas, tolls, travel snacks, meals on the road.

These top 5 Holiday expenses you may be forgetting about could add $500 – $1000 to this already expensive holiday season. As a financial advisor, I must ask – How many months would it take you to pay off? How would next year feel if you didn’t have this unplanned debit? How much better about yourself would you feel if you didn’t have the guilt of “overspending” this holiday season?

Start by planning for all you can, then stay within that budget. It really is that simple! For more financial and budgeting advice sign for my mailing lists and like my Facebook Page. 


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.


Scott S. Testimonial

“Let me start by saying that I HATE budgets.”

I always thought they were a necessary evil, but EVIL, nonetheless. But Penny has helped my wife and I with our family budget in such kind and thoughtful way that I must give her my highest recommendation.

When we started with Penny almost three years ago, we were in debt in excess of $138,000 (excluding our mortgage), and I could see an end in sight, but it was a long way off. That was very depressing. I could hardly bear to inform my wife about our situation at the time, mostly due to my frustration, embarrassment and pride.

Then we were introduced to Penny through a mutual friend, and from that time on we began to get real and practical guidance on our family finances. We are now out of debt except for our mortgage and have a solid retirement plan in place, and I am humbled and thankful to say that Penny was a very integral part of that process.

Penny made herself readily available to us, answered our numerous questions, gave constant encouragement, and guided us toward establishing the basic and reasonably secure financial footing that our family now has. She is literally “worth every Penny.”

Thank you, Penny, from the bottom of my heart, and may the Lord continue to bless your work in coaching others the way you have done for us!
~Scott S.


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.


Merrick Testimonial

“Last year, my husband and I got really real with each other”

We decided to enlist the support of Penny Axton Kidd in untangling our complicated relationship with money and spending.

We’d launched a business together and had gotten real clear that our personal money dynamic wasn’t serving us (personally or in business). We coached with Penny for 6 months and developed new habits – both with money and with our communication.

Penny is a gentle, compassionate, caring coach who really meets you where you’re at. If you’re feeling anxiety going into the holiday season or are in need of a tune up with your attitude and habits around money, she is your person.

– Merrick Weaver


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.