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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.
Transform Your Life! 10 Unexpected Benefits of Frugality
Frugal Living | Save Money

Transform Your Life! 10 Unexpected Benefits of Frugality

We’ve all been there – checking our bank accounts, counting the pennies, and wondering how to make our dollars stretch a little further. It’s easy…

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Budgeting

My Debit Card Expired… Now What?

All of us are used to using plastic money. Using debit and credit cards is common for all of us. The benefit of using a…

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garage sale sign stuff in yard
Home & Family | Make Money

41 Expert Tips for the Ultimate Garage Sale

Having a successful garage sale is a great way to get rid of all those items you no longer need or want. And make some…

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Secrets Rich Women Never Share: 15 Key Actions
Save Money

Secrets Rich Women Never Share: 15 Key Actions

Everybody’s financial journey is unique, especially for women crafting their path to financial independence. Whether you’re just starting or already have a firm grip on…

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70 Easy And Frugal Christmas Breakfast Recipes You Will Love
Frugal Recipes | Holiday | Save Money

70 Easy And Frugal Christmas Breakfast Recipes You Will Love

Christmas morning has always been my favorite.  Seeing the joy of the holiday through my little boy’s eyes was precious.  Now that the boys are…

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monthly grocery shopping
Groceries | Save Money

The Truth About Monthly Grocery Shopping in 2024

According to USDA statistics for food plan costs, the average cost to feed a family of four with two children between the ages of 6…

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spending money
Manage Money | Save Money

6 Money-Wasting Habits You Need to Ditch in 2024

We all want to seem like we have it all together.  If we could look like we know what we are doing most days, dressed, hair just…

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person counting money one dollar bills
Debt Free

Low Income? Here’s How to Crush Your Debt in 2026

I have heard people say “How am I supposed to pay off debt when I can’t even pay my bills?” To state the obvious, you need more…

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Retirement Planning Simplified for 2024: Must-See Guide
Manage Money | Save Money

Retirement Planning Simplified for 2024: Must-See Guide

I love the idea of a clean slate.  A new year feels so exciting to me!  When I wrote about goals in my last blog…

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