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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.
35 Minimalist Gifts for Practical Women
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35 Minimalist Gifts for Practical Women

Here are 35 minimalist gifts for practical women. Many of these are very affordable and wn’t break your budget. As a whole, most women don’t…

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The #1 Tip to Protect Your Family From Inflation in 2025
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The #1 Tip to Protect Your Family From Inflation in 2025

You must have heard the term “inflation” by now. The rising costs of food, fuel, and almost everything bear the wrath of inflation. It will…

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These Sinking Funds Can Transform Your Budget! Here’s How!
Manage Money | Save Money

These Sinking Funds Can Transform Your Budget! Here’s How!

I owe all my money management success to sinking funds. Without them, there’s no way we could have paid off over $70,000 in debt, including…

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The Best Breakfasts for Broke College Students…Under $5!
Frugal Recipes | Manage Money | Meal Planning | Save Money

The Best Breakfasts for Broke College Students…Under $5!

Breakfast is the most important meal of the day, but it’s also the easiest meal to skip when you’re low on cash. If you’re a…

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I Built an Emergency Fund in 3 Months. Here’s How
Budgeting

I Built an Emergency Fund in 3 Months. Here’s How

  When trying to get out of debt, it is best to have a little safety net “just in case.”  The old saying says anything…

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woman holding a debit card smiling at laptop
Budgeting

Cashless Envelope System: Ultimate Guide Without Cash

If you’ve read about the cash envelope system for budgeting, you recognize the genius in its simplicity.  The cash envelope system championed by Dave Ramsey makes your budget come…

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Mini house, stack of money and piggy bank
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Renting? Here’s How You Can Still Save for a House

The idea of having your place to call home is thrilling. But when you have the fixed cost of rent taking a big portion of…

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The Ultimate Cleaning Checklist: Your Daily, Weekly, and Monthly Guide
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The Ultimate Cleaning Checklist: Your Daily, Weekly, and Monthly Guide

Looking for a simple way to keep your home clean without spending hours scrubbing? A cleaning schedule breaks big tasks into bite-sized chunks that won’t…

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50 Cheap Vegetarian Dinners That Taste Absolutely Amazing

Eating well doesn’t have to drain your wallet. These vegetarian recipes prove that plant-based meals can be both budget-friendly and delicious. From cozy soups to…

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