I recently took the 9 week Dave Ramsey Financial Peace University class that Penny and her husband taught and I can’t begin to tell you how much I learned about managing my money and getting out of debt. Penny met with me individually and went over my finances and showed me where I could be saving some money and paying off debt. Since meeting with Penny I have started to pay more on my monthly car payments in order to pay my car off sooner with the hopes of putting that money towards savings. I have also paid off one credit card, closed four other credit card accounts and I use the envelope system to pay in cash, rather than using my debit card which has kept me on a budget. I strongly recommend using Penny as a Financial Coach. She is very knowledgeable and about personal finances and most importantly for me she is non-judgmental and available to answer any questions I have.