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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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Debt Free

Debt’s Dark Truth: The 13 Reasons It’s Ruining Lives

When you talk about personal finances, one of the big topics that comes up is debt. Ask financial advisors, and they will tell you the…

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tea computor woman noes
Debt Free

Working Two Jobs: Is It Truly Worth the Hassle?

If you want to make money, you need to work to earn it. But, if your first income is insufficient to meet your needs, you…

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How I Quit Eating Out And Saved Thousands!
Groceries | Save Money

How I Quit Eating Out And Saved Thousands!

I am not a cook by nature.  Some people love to cook.   They love the creative side to coming up with recipes or searching…

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Upcycle Instead of Trash: 35 Genius Ideas!
Frugal Living | Save Money

Upcycle Instead of Trash: 35 Genius Ideas!

In today’s world of consumption, finding ways to repurpose household items not only cultivates creativity but also promotes environmental sustainability. This guide will delve into…

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Skip the Usual Toys! Discover 25 Unique Christmas Gift Ideas Kids Will Love!
Holiday

Skip the Usual Toys! Discover 25 Unique Christmas Gift Ideas Kids Will Love!

With the festive season approaching, parents and guardians often search for the perfect gifts to make their children’s holiday special. While toys are common, many…

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gazelle and cheetah
Budgeting | Dave Ramsey | Debt Free

Dave Ramsey’s Debt Method: Revolutionary or Risky?

Dave Ramsey’s theory about getting out of debt as soon as possible with the intensity of a gazelle being chased by a cheetah resonates with…

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Top 15 Cheapest States to Call Home in 2025
Frugal Living

Top 15 Cheapest States to Call Home in 2025

When you are moving house, there are many things to consider. Is it a great place to raise your kids? What’s the crime rate like?…

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The Cheapest Ways to Live Alone Happily in 2025
Frugal Living | Home & Family | Retirement | Save Money

The Cheapest Ways to Live Alone Happily in 2025

Living alone can be a dream for many, but it can come with a hefty price tag. However, many ways exist to live alone without…

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woman cutting up credit card
Dave Ramsey | Debt Free

The Dark Side of Credit Cards: Cut or Keep?

One of the most popular methods for getting out of debt is to cut up your credit cards. While this may seem like a drastic…

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