Author: frozenpennies

I am a wife and a mom. I am a lover of books and coffee. I am a believer in all things that are good. I am a believer that kindness, compassion, and empathy will always trump hate and anger. Thank you for joining me in this year inside a spending freeze as I work toward my goals of being completely debt free and creating my legacy.

7 Tips To Master A Money Mindset

“Money is nothing but a representation; a means to measure the exchange of value between people.” (Tony Robbins) How is your money mindset? There is such an emotional charge to the topic of money.  I have said it before on the blog, people’s relationship with money can vary, but many …

65 Tips Frugal People Use To Save On Groceries

    We all know that food is our biggest expense behind housing in most households.  It is also the best place to reduce spending with the most flexibility.  Here are 65 ways I have found to reduce your spending and save on groceries. In the kitchen Utilize freezer – …

How To Be Ready For Christmas By December First

How To Be Ready For Christmas By December First I know, I know, it is only the second week in September.  But if you want to shift the weight off your shoulders and enjoy the Christmas season, you have to start sooner than the week before.  I am going to share …

Perfect Books For Fall; End Of Summer Book Reviews

This blog post contains affiliate links for books.  Please see my disclosure HERE for more information. If you know me and have been following the blog for a while, you will see that I love books!  I have challenged myself to read 24 books for the 2018 year. Here are four …

Fall Decluttering And The Magic Of Tidying Up

Fall Decluttering And The Magic Of Tidying Up January first seems to be the time for fresh starts and new beginnings for so many people.  Although I like the concept of “New Year, New You” ideas, cleaning and decluttering, but for me, September is my favorite time for that.  There …

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