💡 Practical Tools for Purposeful Spending

We’ll teach you how to align your behavior with your financial goals using modern budgeting tools. One of our favorites is a digital cash envelope system (Qube Money), but more importantly, you’ll learn the mindset and strategies to spend on purpose, regardless of the tool you choose. We have negotiated a sweet deal for your first year of Qube Money if you choose to use it!

🎥 Short, Easy-to-Follow Video Lessons

Access bite-sized videos (just 2–5 minutes each) that cover zero-based budgeting, healthy money habits, and how to finally feel in control of your finances. You’ll also get guidance on how to budget as a couple or family so everyone is on the same page.

🗓️ Live Monthly Group Coaching

Join our monthly one-hour group coaching calls where we dive into your real-life money questions, break down challenges, and give you the confidence to move forward. You’ll leave with practical action steps—not more confusion. Learn from coaches and other members who are aligned with your goals.

Groups are currently scheduled for the third Monday of each month at 6:00 pm Mountain Time and will be recorded and made available for members.

A limited number of 1:1 hours will be made available to purchase for members.

💬 Private Community Chat

Ask questions, share wins, and connect with others who are also learning to spend with purpose. You don’t have to do this alone.

This membership is for you if:

• You make good money, but it never seems to be enough.

• You’re tired of carrying credit card or student loan debt.

• You want to live within your income and build wealth.

• You’ve tried budgeting tools, but nothing has clicked.

• You want to feel confident and at peace with money—not frustrated.

• You’re ready to create a spending plan that feels like freedom, not restriction.
  

💬 What Members Say

“Working with Penny gave me confidence and clarity. I no longer feel guilty when I spend money because I have a plan that works.”

“Before this program, I was always overdrafting and falling behind. Now I have savings for things I know are coming.”

“My partner and I are finally on the same page with money—it’s eliminated so much conflict.”

“Penny’s support and knowledge without any shame or judgment have helped me succeed beyond my wildest dreams.”

“I have hope for the future now.”

💡 Purposeful Spending is telling your money where to go, instead of wondering where it went!

If you don’t like the word “budget”, think of it as a spending plan. A way to make sure your money goes where you want it to. With the proper support and the right tool, you can finally feel in control.

Let’s make your money behave. Together.

👉 Join Us Now! Founding Members Only $37/Month!

Find the coaching, tools, and community you’ve been looking for.