Cyrina T. Testimonial Video

by | Dec 1, 2021

Hear from Cyrina T. on her experience working with Pennywise Coaching!

A journey of a thousand miles begins with the first step. Fill out this form to be contacted to schedule your free 45-minute Discovery Session and begin the journey to become WISE with money.

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About 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.

Why You Feel Bad With Money (Even If You Make Good Money)

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...

How Much Should I Be Saving (And Is It Okay If I Can’t Save Right Now?)

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 to yell at you. I...

Why Normal Budgets Don’t Work for Gig Workers (And What to Do Instead)

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. People who know on the first...

Why Budgeting Feels Restrictive And How to Make It Feel Empowering Instead

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, or...

How to Talk About Money With Your Partner Without Fighting

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 - or...

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