Are You Ready to Transform Your Life?

You make too much money to feel this broke.

Ditch the debt, stop overspending, and finally build a budget that actually works—without giving up Target runs or takeout.

This is real-world financial guidance for smart midlife women who want to save more, stress less, and retire without panic.

Live frugally. Spend intentionally. Build wealth.

Welcome to Frozen Pennies

Frugal Living Isn’t About Not Spending. It’s About Spending on Purpose.

We promise to deliver real-world financial guidance that helps smart, overwhelmed women take control of their money, ditch debt, and build lasting wealth—without sacrificing joy, fun, or the things they love.
 We’ll never shame you, push extreme budgeting, or expect you to give up your lifestyle. Instead, we offer practical strategies, a little tough love, and a whole lot of support to help you feel confident and in control.

Read

Discover practical tips and strategies for saving money, budgeting, and living a frugal lifestyle to help you achieve financial freedom. From debt payoff advice to creative ways to stretch your grocery dollars, you’ll find resources to empower your journey toward a secure, stress-free future.

Plan

Take control of your finances with our Free Digital Budget Planner, designed to make managing your money simple and stress-free. This easy-to-use tool helps you track expenses, set goals, and create a budget for your unique needs.

Shop

Explore our collection of low-cost digital resources designed to help you confidently manage your money. From debt payoff guides to meal planning bundles, you’ll find practical tools to simplify your financial journey and support your goals.

#1 best seller

Fundamentally Frugal

Discover Financial Peace and Freedom for Your Next Chapter

If you’re juggling financial stress, family responsibilities, and the uncertainty of retirement, Fundamentally Frugal is here to help you regain control.

With practical strategies for reducing debt, spending intentionally, and embracing frugal living, Fundamentally Frugal empowers you to align your finances with your values.

It’s more than a money guide—it’s a roadmap to a debt-free life, a secure retirement, and a future you can truly look forward to. Let’s simplify your finances, so you can focus on what really matters.

Order Today!
Buy On Amazon
New here? Start here!

Budgeting Made Simple

Creating a budget is the foundation of financial freedom. Tracking spending, setting realistic goals, and effectively managing income to live within one’s means is the cornerstone of building wealth over time.

Show me how!

Save More, Worry Less

Consistent saving is the foundation of financial stability. With a few simple tips, anyone can build an emergency fund, save for future goals, and prepare for life’s surprises—all while still enjoying the things you love.

Show me how!

Debt Freedom Simplified

Paying off debt is an important step toward building wealth. With the right strategies, anyone can tackle their debt, save on interest, and take control of their financial future—leaving the stress behind.

Show me how!

Tune in to the

Frozen Pennies YouTube Channel

This is where midlife women learn to save more, live frugally, and prepare for a retirement filled with freedom and peace of mind. You’ve spent years putting others first—now it’s your turn. Simplify your money, crush your debt, and build the secure future you deserve.

Be sure to subscribe to get all the latest!
Subscribe on Youtube

Most Popular Episodes

Latest Helpful Articles

More On Saving Money
More On Debt Freedom
More on Managing Money

Our Best Sellers

Dinner Makeover Takeover

Learn More

Debt Freedom Roadmap

Learn More

Frugal Living Secrets

Learn More

Fast-Track Your Financial Success: Master Budgeting with Ease

Take control of your finances, eliminate debt, and start building wealth…

without the overwhelm.

Meal Planning

Frugal Living

Holidays

Frugal Recipes

Home & Family

Retirement

Homemaking

Groceries