by Penny Kidd | Jul 3, 2026 | Blog
Let me start by saying something that most financial advice will never tell you. You can make really good money and still feel terrible about it. You can be out of debt, earning more than your parents ever did, saving every month, and still lie awake at three in the...
by Penny Kidd | Jun 5, 2026 | Blog
Let’s start with the question nobody wants to ask out loud: What if I have nothing saved? If that’s you, I want you to take a breath. Because what I’m about to say might surprise you. You are not behind. You are not a failure. And no, I am not going...
by Penny Kidd | May 2, 2026 | Blog
If you’ve ever tried to follow a standard budget as a gig worker, freelancer, or someone with variable income – and failed – It’s not you. It’s the budget. Most budgeting advice was written for people with a steady, predictable paycheck....
by Penny Kidd | Apr 4, 2026 | Blog
Conventional money “advice” often tells you what to stop doing. Stop buying coffee.Stop eating out.Stop traveling.Stop spending. No wonder budgeting feels restrictive! For many people, the word “budget” immediately brings up feelings of guilt, limitation,...
by Penny Kidd | Mar 5, 2026 | Blog
Money is one of the top reasons couples argue. Research from the American Psychological Association consistently shows that finances are a significant source of stress in relationships. If you’ve ever had a money argument that escalated quickly –...
by Penny Kidd | Feb 5, 2026 | Blog
If you’ve ever Googled “how to get out of debt,” you’ve probably seen the same advice over and over again. Cut everything.Stop spending completely.Cancel all joy until the balance hits zero. And while that might work for a short season, it’s also the reason so many...
