“Let me start by saying that I HATE budgets.”

I always thought they were a necessary evil, but EVIL, nonetheless. But Penny has helped my wife and I with our family budget in such kind and thoughtful way that I must give her my highest recommendation.

When we started with Penny almost three years ago, we were in debt in excess of $138,000 (excluding our mortgage), and I could see an end in sight, but it was a long way off. That was very depressing. I could hardly bear to inform my wife about our situation at the time, mostly due to my frustration, embarrassment and pride.

Then we were introduced to Penny through a mutual friend, and from that time on we began to get real and practical guidance on our family finances. We are now out of debt except for our mortgage and have a solid retirement plan in place, and I am humbled and thankful to say that Penny was a very integral part of that process.

Penny made herself readily available to us, answered our numerous questions, gave constant encouragement, and guided us toward establishing the basic and reasonably secure financial footing that our family now has. She is literally “worth every Penny.”

Thank you, Penny, from the bottom of my heart, and may the Lord continue to bless your work in coaching others the way you have done for us!
~Scott S.