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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.
How To Save Money And Cook From Scratch
Groceries | Money

How To Save Money And Cook From Scratch

There are certain things I do not buy.  I don’t.  Is it because I am frugal? Or is it because I know all those ingredients on…

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woman smiling paying bills on the floor with laptop
Budgeting

How To Keep Track Of Your Bills Each Month

We all have bills that we need to pay. But how do you keep track of your bills each month? Many people use a budget…

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25 Habits of Debt-Free Families
Debt Free | Home & Family

25 Habits of Debt-Free Families

Living free of debt empowers and offers profound financial security and freedom. It allows families to choose based on their desires and needs rather than…

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7 Walmart Hacks You Wish You Knew Sooner
Save Money

7 Walmart Hacks You Wish You Knew Sooner

Saving money on groceries is always a welcome idea, and as a retail giant, Walmart offers numerous opportunities to do just that. In this blog…

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hands calculator money papers
Budgeting | Manage Money

139 Best Budgeting Categories For Your Personal Budget Plan

Congratulations on starting a budget.  That’s fantastic news!  And as your personal Financial Coach, I am really proud of you.  Don’t forget the budget categories…

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coffee, phone, paper, calendar, and pencil
Budgeting | Manage Money

What is the 30 Day Rule for Saving Money?

You find something that you REALLY want to buy. Perhaps it is a bigger purchase than you normally make. Or maybe you don’t quite have…

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woman folding baby clothes
Home & Family | Save Money

How To Save Money On Baby Clothes {15 tips}

You’re probably already aware that babies and children grow quickly, so you must buy new clothes for them often. Being super frugal, I’m here to…

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family eating dinner at table
Frugal Living | Frugal Recipes | Home & Family | Homemaking | Meal Planning | Save Money

30 Frugal Family Recipes With 5 Ingredients Or Less

As we all know, the cost of living is constantly rising. The rising cost of living means that it’s more important than ever before to…

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how to cut your electric bill
Budgeting | Frugal Living | Home & Family | Homemaking | Retirement

How to Cut Your Electric Bill in Half and More Tips

Are you perplexed about how to cut your electric bill in half and save on all your utility bills? Last month, I put out a…

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