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Frozen Pennies

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.
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Budgeting

Cash Envelope Budgeting: Does It Really Work in 2025?

One of the things that holds people back from budgeting is how difficult it can be. Between bank accounts, spreadsheets, and apps, sometimes keeping track…

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Struggling with Money? 27 Hustles for Women 50+
Make Money | Save Money

Struggling with Money? 27 Hustles for Women 50+

While researching side hustles for women over 50, I came across some very outlandish things and some things that just didn’t give you money right…

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piggy bank, flowers and coins
Frugal Living | Manage Money

14 Ways to Simplify Your Financial Life

Any possible way you can move toward a simpler financial life today is a step toward a more peaceful life. All of the financial areas…

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5 gifts christmas
Holiday

The 5 Gift Rule for Christmas: Find Peace in the Holidays

Christmas is a fantastic time of year. It’s also the time of year that so many people spend so much money. The 5-gift rule for…

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girl on couch upset with shopping bags
Budgeting | Debt Free

Stop Overspending Now: Effective Tips Inside

Stop overspending on your entire life. Understanding and being conscious of where your money is going is the first step in financial independence.   Tracking…

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Aldi Grocery Store
Groceries | Save Money

Aldi Shopping Secrets You NEED to Know for 2026

Whenever I mention Aldi to someone, they either like it or never have been.  Rarely have I met someone who doesn’t care for it.  I…

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How Our Family Stays Frugal With These 20 Tips
Frugal Living

How Our Family Stays Frugal With These 20 Tips

In today’s fast-paced and consumer-driven society, frugality seems like a forgotten virtue. Yet, for our family, it’s a way of life. It’s not just about…

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Extreme Budget Lifestyle: Tips to Live on Next to Nothing
Frugal Living | Save Money

Extreme Budget Lifestyle: Tips to Live on Next to Nothing

In today’s world, where economic uncertainty is always around the corner, learning how to live frugally is essential. It’s a skill that many people find…

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man and woman looking at a binder with a calculator and a piggy bank
Budgeting

I Tried Budget By Paycheck… And This Happened

We’ve all heard of living paycheck to paycheck…but what about budgeting from paycheck to paycheck? Budget by Paycheck may not be talked about as often…

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