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.

How to Feel More Confident With Your Money (Even Before Everything Is Fixed)

Are you waiting to feel confident about your money until everything is "perfect"? Until the debt is gone. Until the savings account looks right. Until you finally feel like you have this whole thing figured out. If that is you, I want to gently push back. Because...

When DIY Money Advice Stops Working (And What to Do Next)

Let's start with an honest question. Has anything actually changed in the last year? Not in theory. Not "I have been meaning to." Actually changed. Is your debt lower? Is your savings account growing? Do you feel less stressed, less guilty, less like you are running...

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...

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