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.

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 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”)

My take on the elections in 2016

Here’s a post from a video I did the day after elections. Maybe it’s relevant in all kinds of ways in our world. Take a few minutes to watch and see what you think. What do you have control over (or whom)?


Debt Free Vacations are Best!

Eastern Caribbean is so pleasant when it’s paid before you get home.

My husband Marc (the first Wise Guy) and I just got home from a wonderful Caribbean cruise to celebrate our 25th Anniversary. We spent 7 nights on our first cruise with ports at the Dominican Republic, St. Thomas, and St. Maarten. We’ve been saving up for a while and so enjoyed it that we thought we’d make a little video to encourage others to be wise with your money so you can enjoy a vacation instead of worrying about the bill when you get home. When you are wise with your money and have no debt, you can save for fun and it’s so much better!  Check out our video.