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.

Embracing Gratitude: Cherishing Your Financial Wins

Why Every Penny Matters in Your Money Journey As Thanksgiving approaches, I've been reflecting a lot on gratitude. Now, I know that when it comes to our finances, it's super easy to think about what's left to do or how far we've yet to go. But today, I want to chat...

Budgeting for the Holidays: Steps to Financial Peace & Stress-Free Celebrations

Prioritize what truly aligns with our values, hearts, and wallets. While it's easy to get swept up in the idea of the perfect holiday celebration, it's crucial to ground ourselves in what genuinely brings joy and meaning this holiday season. Before diving into the...

Dividends and Rentals and Freelance, Oh My! Understanding Passive Income Streams

The Lure of Passive Income: Why Everyone’s Talking About It Have you ever dreamt of earning money while you sleep? That dream is closer to reality than you might think, thanks to passive income. By definition, passive income is money earned with minimal to no direct...

Pennywise Coaching Client Check-in after 8 years! Updated testimonial for 2023.

https://youtu.be/3FTz5XuyoQk Previous testimonial below: "We have been working with Pennywise for three months, and we have been very pleased with the results." "For us, a lot of the success comes from straightforward tactics and accountability. We are doing well...

The Benefits of Having Multiple Streams of Income

You've likely heard the term "multiple streams of income," but what does it really mean? Simply put, it refers to having income from more than one source. This strategy is not just for the wealthy. Indeed, it's a practical financial move that could help ensure you...

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