Budgeting always seemed so constraining. A discouraging exercise in trying to make outflows at least equal inflows. Then after creating one, it became just another spreadsheet taking up space on my computer since I lacked an efficient way to measure actual expenditures against it.
Enter Penny Kidd. Not only did she provide me with a budgeting tool for planning each and every inflow and outflow, but she also provided an efficient process for tracking actuals against the budget. In addition, Penny provided suggestions for getting the products and services I need at a better price. The end result is not constraint, but freedom.
I know exactly how much I’ve spent, and what I can afford to spend. I’m meeting my savings goals, and I’m better prepared for the unexpected. When I do make a purchase, I do so without guilt. My financial future looks brighter than ever. Thanks, Penny!” ~C.Hunter
I’m a self-employed single mom with two kids. I started working with Penny to find a budget that would help me carve out money for my kids’ college. I have irregular income due to being paid mostly on commission and the business’ ebb and flow. Penny helped me identify which expenses were constant both personally and in the business, and then define what income was REQUIRED to cover these expenses. This helped me to become aware of where my money was going. I became much more deliberate about my spending, and have paid off thousands of dollars in credit card debt. Working with Penny improved both my personal finances and my businesses finances. I enjoyed working with Pennywise because I found this process to be very emotional and we have a shared faith. I highly recommend Penny Kidd.
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.
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!”
Penny is an excellent financial coach. She has encouraged me to find my way with finances. She uses principles to guide you, but allows you to be yourself as well. The goal is to help you, not to uphold the principles. Would highly recommend her services in any capacity. ~Jeannette
Lew Gaiter III
Penny did a great job helping us prioritize our finances and create a budget that works for us! ~Lew