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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.

How Much Money Should I Save Before Buying a House?

Save Money / by Sara

Do you dream of owning a house someday? If so, you may be wondering how much money you’ll need to save before buying one. The total amount, of course, varies greatly from person to person. The following discussion breaks down the many different costs so you can work out the total sum …

Read More »How Much Money Should I Save Before Buying a House?

​​Zero-Based Budgeting 101: Best Practices To Following the Money

Save Money / by Sara

When it comes to the topic of managing your money, are you taking the best approach? While many people may believe they have a sound budgeting system and process, only a few manage to set aside money for their future. And from those few, even fewer make substantial progress toward their financial …

Read More »​​Zero-Based Budgeting 101: Best Practices To Following the Money

75 Cheap Summer Bucket List Ideas For The Whole Family

Save Money / by Sara

It’s that time of year again when the days are long and the weather is hot. School is out and it’s time to start planning some fun summer activities. If you’re looking for cheap summer bucket list ideas, you’ve come to the right place. We’ve put together a list of …

Read More »75 Cheap Summer Bucket List Ideas For The Whole Family

The Top 10 Best Budgeting Apps

Save Money / by Sara

For most people, budgeting is hard.  It takes time and forces you to dive deep into your spending habits – pulling your head out of the sand. Finding a way to make budgeting your money as easy as possible may give you the nudge you need to follow through and conquer adulting.  …

Read More »The Top 10 Best Budgeting Apps

25 Extreme Frugality Hacks to Save A Ton Of Money

Save Money / by Sara

Are you looking for ways to save money? Are you tired of feeling like you’re just treading water financially? These hacks will help you slash your expenses and get ahead financially, from making your laundry detergent to living in a car.  Frugality is all about living below your means and …

Read More »25 Extreme Frugality Hacks to Save A Ton Of Money
family bbqing picnic

75 Super Cheap Summer Meals on a Budget

Save Money / by Sara

Summer is a time for being busy, enjoying the sunshine, and staying cool.  The last thing you want to spend all your fun money on food that heats your kitchen. These cheap summer meals utilize appliances like outside grills, crock pots, and Instant Pots. I was boiling pasta for a macaroni salad last …

Read More »75 Super Cheap Summer Meals on a Budget
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