I went into working with her feeling confused and left feeling relieved.

by | Feb 24, 2026

Pennywise Coaching Client Testimonial by Caitlin C.

⭐⭐⭐⭐⭐

“When it comes to money, Penny really knows her stuff! I went into working with her feeling confused and left feeling relieved.

She’s very practical, supportive, and informative, and I’m now equipped to handle what’s next financially for me and my future.”

– Caitlin Clarke

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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 Budgeting Feels Restrictive And How to Make It Feel Empowering Instead

by | April 4, 2026 | Blog | 0 Comments

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...
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How to Talk About Money With Your Partner Without Fighting

by | March 5, 2026 | Blog | 0 Comments

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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How to Get Out of Debt Without Giving Up Your Entire Life

by | February 5, 2026 | Blog | 0 Comments

If you’ve ever Googled “how to get out of debt,” you’ve probably seen the same advice over and over again. Cut everything.Stop spending completely.Cancel all joy until the balance hits zero. And while that might work for a short season, it’s also the reason so many...
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She helped us build a dynamic, flexible budget that actually worked for our lifestyle.

by | January 29, 2026 | Testimonials | 0 Comments

⭐⭐⭐⭐⭐ We started working with Penny in June 2019, and this was a game-changer for us. Instead of just reviewing our past spending, she helped us build a dynamic, flexible budget that actually worked for our lifestyle. Penny introduced us to practical tools like...
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How to Finally Feel in Control of Your Finances (Without Doing It Alone)

by | January 2, 2026 | Blog | 0 Comments

The new year always brings big energy, doesn’t it? Resolutions. Goals. Plans to “finally get ahead.” But by the time mid-January rolls around, that motivation starts to fade. The holiday bills arrive, real life kicks back in, and the excitement of a “fresh start”...
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