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.

Debt Snowball or Debt Avalanche?

When you get to that point where you know it is time to do something with this mountain of debt, how do you want to go about it? Are you an avalanche or a snowball?  Do you want to roll down the mountain gaining momentum and increase your size as …

How To Budget When You Are Behind On Bills

  Many of us have been there.  For one reason or another, we fall behind on the bills.  We run into an unexpected financial disaster, or we get lazy and stop following the budget or anything else in between. Here is a way to work the budget when you have …

50/30/20 Budget; Could This Be Your Answer?

50/30/20 Budget; Could This Be Your Answer? I am a huge fan of Dave Ramsey. Mostly, I follow his entire plan and believe what he teaches.  I love cash, and I don’t love owing money to anyone.  I am almost debt free and I do like the way he explains how …

Simplifying Life; Less Stuff Can Make You Tidy.

I really am a simple girl.  I don’t have a lot of stuff.  I am not a saver of stuff because, for me, the memories are in my head and heart and not in baby onesies, locks of hair, or trinket boxes.  I am not saying I don’t have sentimental items, …

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