Welcome to Frozen Pennies
Hi, I’m Sara! I’m the coffee-loving, yoga-pants-wearing, frugal-at-heart financial coach behind Frozen Pennies. I’m also a wife, mom, Grammie, and lifelong budget enthusiast here to help midlife women like you navigate family and career challenges and prepare for retirement—all while saving money and living life intentionally.
“I’ve been struggling with my budget for a couple of years now, but Sara’s teaching style helped me get my spending under control and now I can make ends meet and save money for things we want to save money for. Thank you.”
Susan
Why Listen to Me?
My husband jokes that I’m “tighter than bark on a tree,” but over the years, I’ve used that frugal mindset to help our family pay off more than $100,000 in debt, including student loans, credit cards, and our mortgage. I’m passionate about sharing those lessons with you so you can achieve the same freedom.
If you’ve ever felt overwhelmed by money stress or unsure where to start, you’re not alone. Most Americans don’t have a budget, and many feel stuck under the weight of debt. But here’s the good news: you can take control. I’m here to show you how to win with money and create a financial plan that works for your family.
The Power of Money Mindset
Here’s a secret: financial freedom starts in your mind, not your wallet.
How we think about money—whether it’s fear, scarcity, or confidence—shapes our financial choices. That’s why I focus not only on practical strategies like budgeting and saving but also on helping you transform your relationship with money. Together, we’ll replace overwhelm with empowerment and help you see money as a tool to build the life you truly want.
What Frozen Pennies Can Do For You
At Frozen Pennies, frugality is about so much more than just pinching pennies—it’s about aligning your spending with what matters most to you. Whether you’re dreaming of debt freedom, saving for retirement, or simply wanting to make your dollars stretch further, I’ve got the tools and strategies to help you get there.
Here’s what you’ll find here:
My Story
I grew up learning the art of frugal living from the best—my mom, the Queen of Frugality. From clipping coupons to treasure-hunting at thrift stores, she taught me how to stretch a dollar and appreciate the value of hard work. But like many, I made some financial missteps in my early years, racking up student loans and credit card debt.
Marriage, motherhood, and a special-needs child shifted my perspective. Staying home to care for my boys meant I had to get creative with our budget and rediscover my frugal roots. Over time, we paid off every cent of debt, and now we’re living a debt-free life, ready to embrace the next chapter.
How Frozen Pennies Began
It all started in 2017 when my niece told me about her no-buy challenge. Inspired, I created my own rules and began sharing my journey online. What began as a personal experiment quickly evolved into Frozen Pennies—a space to inspire others to live simply, save intentionally, and achieve financial freedom.
Let’s Connect!
I’m so glad you’re here! Whether you’re looking for practical tips, a community of like-minded people, or a little encouragement on your financial journey, Frozen Pennies is your home base. Let’s chat on YouTube, Pinterest, TikTok, or Instagram—or join my Frozen Pennies Community on Facebook to dive into the money conversation.
Thanks for stopping by. Together, we can make frugal living practical and empowering.
Let’s ditch the debt, chase our dreams, and have a little fun along the way!
“Sara transformed my life for the better. Because of her, my husband and I paid off $12,000 of consumer debt in months, our kids are now in sports, and we are saving for our first family vacation in years. She made me understand my dreams are possible and gave me steps to make them happen. I am beyond grateful and wish I had met her years ago.”