Author: Sara

Sara is a wife, mother, and creator of Frozen Pennies.  With a degree in English, a former teacher, and a Certified Financial Coach through Ramsey Solutions, there is no better place to learn about debt freedom, budgeting, and overall frugal living.

29 Dave Ramsey Tips from a Ramsey Budget Coach

Dave Ramsey is known for his financial guidance with a side of no beat-around-the-bush, tough love, with a touch of compassion.  You’ve probably heard of him.  Made famous by his best selling books, Youtube Channel, Podcast, Finacial Peace University classes, syndicated radio show, and countless other platforms and guest appearances. …

25 Best Ways to Live Frugally on One Income

Whether your family is living on one income by choice or because of unforeseen circumstances, you can live frugally on that one income and make it a successful adventure. Job loss today is a real thing.  There is a crisis going on, and unemployment is on the rise.  Finding a …

10 Best Tips to Master a Money Mindset

  Money mindset seems to be one of those popular fad buzzwords of the 21st century.  But there is some substance to it. There is such an emotional charge to the topic of money. People’s relationship with money can vary, but many times it carries with it strong emotions. Rich …

139 Better Budget Categories You Need to Avoid Surprises

Congratulations on starting a budget.  That’s fantastic news!  And as your Financial Coach, I am really proud of you.  Don’t forget the budget categories you need to avoid any surprises. Grab your FREE Cash Wallet Dividers delivered right to your inbox! Creating a budget for the first time can be …

37 Cheap Groceries to Buy When You’re Broke

Food is the one day to day financial decision that can make or break a budget.  Its a necessity for life yet can cost a fortune if you let it.  When you’re broke or just watching your spending, it is also the one area where you have the most flexibility. …

10 Best Stay Home Date Night Ideas

Keeping the romance in your relationship alive when you are trying to get out of debt is not easy.  Yet it’s one of the most important things we can do.  Spending time with your husband, wife or partner should be at the top of our priority list (right under “pay …