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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.
10 Ways to Learn to Love Your Home
Thrifty Organization

10 Ways to Learn to Love Your Home

Each of us gets to chose our own happiness. That means we get to decide to be happy no matter where we are in our…

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flour, pie, and baking supplies
Save Money

65 Old Fashioned Living Tips for Today

We can learn many excellent tips on living simple, old-fashioned lives from our grandparents, great-grandparents, and great-great-grandparents. Old-fashioned living focuses on less spending, intention, simplicity,…

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snow candles and decorations
Debt Free | Holiday

How To Have The Most Excellent Debt Free Christmas

All of my adult life, I have watched good friends and family create physical, mental, and financial tornados for themselves around Christmas.  Rushing to get…

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15 Motivational Money Quotes To Help Get You Out Of Debt
Debt Free

15 Motivational Money Quotes To Help Get You Out Of Debt

Getting out of debt is not an easy task.  It could take a long time. It also takes faith, belief, and encouragement. So here are…

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Woman looking at phone drinking coffee
Debt Free

How Important Is A Good Credit Score, Really?

I understand that I am not one of the people who are concerned with whether they have good credit. I also understand that I am…

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Graduation cap
Save Money

How To Host A Graduation Party On A Budget

When hosting a graduation party on a budget, there are many things to consider.  Will it be an open house, or will it be a…

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Frugal Valentine Gifts To Spread The Love
Save Money

Frugal Valentine Gifts To Spread The Love

I am sitting at my computer browsing Facebook thinking about frugal Valentine gifts when I see my friend Michelle post a heart-shaped pizza that her…

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The Best Affordable Christmas Gifts For Kids Under $20 in 2021
Gift Guide | Holiday | Save Money

The Best Affordable Christmas Gifts For Kids Under $20 in 2021

It’s the beginning of December, and you have not started your Christmas shopping yet.  Am I right?  What if I could come up with a…

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Avoid the chaos of back to school
Money

Advice For Back To School And How To Control The Chaos

  It is about that time of year for families; back to school time.  All of the stores are pulling out their school supplies and…

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