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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 customizable budgeting apps and showed us how to set up automatic savings transfers and debt payment plans.
One of the first milestones was seeing our monthly spending in real time and identifying areas where we could make small changes—without sacrificing things we loved, like our trips to Europe and even a spontaneous getaway to Hawaii.
Penny taught us how to plan for travel and those ‘surprise’ expenses, so we didn’t have to rely on credit cards anymore.
We’re on track to be debt-free this year—a little later than our five-year goal, but with the financial liberty, savings, and retirement options we only dreamed about before. Penny didn’t just help us manage our money; she helped us change our mindset and reclaim our confidence.
If you’re feeling stuck and unsure about your finances, I can’t recommend Penny enough. Her blend of practical tools, personalized guidance, and encouragement made all the difference for us.
Thank you, Penny, for helping us achieve the freedom and security we always wanted!
- Shaun Mcmikle
