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
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!”