Pennywise Coaching Testimonial Ashley

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...

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...

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...

⭐⭐⭐⭐⭐ "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." -...

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...