Amanda and Dave M. – Ft Collins, CO

After graduate school and two career changes we found ourselves in debt and always struggling to make ends meet. I would create spread sheets and try to come up with a budget, but I still felt my system was chaotic. We needed a change. Penny had just started her new business and reached out to us. Her non-judgmental, to-the-point style makes tough conversations easier. She is knowledgeable of how Dave Ramsey’s system works and is a living example of the success you can have when using it. We have only been using the envelop system for a few months but with Penny’s guidance and encouragement we have already found money in our budget we didn’t know we had. We have an emergency fund saved up and are working on our debt. The best part is we are only spending money that we have. Our communication around our finances has improved and we are enjoying the time spent together budgeting. We both see a very different financial future than we did before and are excited about the wealth and more important the Pennywise habits we can pass on to our children!

Michele VW – Fort Collins, CO

Penny has the patience of a saint;
The heart and degree of a social worker;
The business mind of a banker;
The wisdom and life experience of someone who walks what she talks.
I have been working with Penny for several years now as a friend and confidant working intensely on my budget and financial planning.  I was delighted when she told me she was going into business as a financial coach.  She’s a natural; genuinely committed to those seeking direction in cleaning up their finances.

Wendy R

I have known Penny for MANY years. In all those years, I have never known such a dedicated, hard working person. She is truly passionate about the work she does and cares very much about her clients. She has the ability to look at the whole picture in a non-judgmental way. She is smart, honest, trustworthy, kind, funny, and excellent listener. Penny is not only a valuable tool for advice, but also has the personal experience of applying what her work entails. I believe without a doubt, that she will bring the very best of herself to her clients. She is FANTASTIC!