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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.
winter weekends family
Frugal Living | Home & Family | Save Money

How to Enjoy Winter Weekends Without Spending a Dime

Winter weekends don’t have to break the bank. There are plenty of activities you can enjoy without spending a dime. Whether you want to embrace…

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financial coach
Debt Free

This is Why You Need a Financial Coach in 2024

When I tell people I am a Financial Coach, I most often get asked what a Financial Coach is and what I do.  I am…

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Romantic & Budget-Friendly Parent Anniversary Dinners
Budgeting

Romantic & Budget-Friendly Parent Anniversary Dinners

Parents often feel stretched thin between work, taking care of the kids, and other responsibilities. Finding time for a special date night out can be…

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small house ornament jar with money labeled housing key
Manage Money | Save Money

Find Out How These Tips Can Save Homeowners Thousands!

Becoming a homeowner is exciting…and expensive. You are responsible for many different costs when you purchase your own home. Not only your mortgage and homeowners…

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Dave Ramsey books on a shelf
Debt Free

29 Crazy Effective Dave Ramsey Tips to Transform Finances

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…

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Cheap Cleaning Products That Are Surprisingly Effective
Save Money | Spending Freeze

Cheap Cleaning Products That Are Surprisingly Effective

A friend texted me the other day about a product to clean her leather furniture. The one she was interested in was a little out…

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50 Budget Friendly Gifts for Coworkers (or Neighbors)This Christmas
Holiday

50 Budget Friendly Gifts for Coworkers (or Neighbors)This Christmas

Finding the perfect gift for your coworkers can be a challenge, especially when you’re on a budget. But don’t worry—we’ve got you covered! This list…

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girl holding money from extra paycheck
Budgeting

Extra Paycheck? Here’s How to Budget It Smartly

It is every budgeter’s dream come true…an extra paycheck! When you are the recipient of such a windfall, your first reaction might be excited…but then…

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The Tightwad Gazette book with coffee
Frugal Recipes | Save Money

The Tightwad Gazette’s Guide to Frugal Living in 2024

It is 927 pages of comprehensive conversation about every topic you could imagine!  In an age when someone can find a quick answer to any…

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