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.

How to be Intentional with Your Money to Create a Holiday Budget & Plan

Download my holiday budget plan now!
Click the image above to join my email list & get instant access to my holiday budget tools

As a Financial Coach I know Holidays can be FUN and DAUNTING for my clients.


One of their most common causes of stress – is the toll all this celebrating takes on their finances. My best advice is to plan now for the things that you value and what you can AFFORD with a Holiday Budget.


I suggest you limit how much you spend, or you may find yourself regretting your choices come January and well into the New Year. Let’s put the HAPPY back in the Holidays by becoming intentional with your money and creating a holiday budget.


Watch my video above to learn how you can be less stressed this season with a holiday budget plan


To help you be more intentional with your money this Holiday Season – I have created the WiseGuy Holiday Spending Plan Google Drive Folder – Just sign up for my mailing list and you will receive instant access! This folder and plan include all the tips and tools you will need to plan out a holiday budget you can actually afford – saving you so much financial stress this Holiday season!


These tips and tools can help you plan for all the expenses this holiday season with a holiday budget and plan. The awesome spending plan tool with an automatic calculator is a tool that you can use right now to start planning before you spend too much this season.


So watch my above video then download all these amazing tools for free today. I really hope you use these tools to help you better plan your holiday spending. Save yourself all the stress and regret you normally feel in January!

Your Holiday Hero,



Want to connect more with me?
Sign up for my mailing list
Connect with me on Facebook
Subscribe to my YouTube channel for all my financial coaching advice!

Hey WiseGuys – what does financial freedom mean to you?

the cuffs come off with financial freedom


Financial Freedom to me means not having to worry all the time. It means I can do all the things that make me happy.


It means not always focusing on the “have-to-dos.” It also means that I will have the freedom to donate my time and money to help others. Having a plan for your money gives you the opportunity to be financially free! Something we all dream about – but many of us don’t know how to achieve. 


In my video, I interview Rikki Smith, from Stratus Training & Consulting and Faith on Friday, who talks about her journey to financial freedom and how her faith helped her get there. Rikki herself said it so well:


“I have learned from my faith that there are principles to everything and money is no exception. My faith has instilled in me that I have all I need in my life to gain the financial freedom I desire – there are just a few action steps I need to take to get there.”

– Rikki Smith



Financial freedom is something that we can all achieve no matter where we are now, what we believe in, or how many steps we think it will take to get there. It’s a matter of believing in ourselves and our ability to be financially free that is the key. The rest is just the small, organized steps that you take every day towards your goal of financial freedom.


If you would like to connect more with Rikki Smith you can visit her YouTube Channel Rikki Smith – Faith on Friday (, check out her latest book Faith on Friday: A Deeper Dive  (, or email her at