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.

Time For My Top 8 Spending Freeze Tips

Spending Freeze, Thrifty Organization / by Sara

What is a spending freeze? Its an amount of time that you chose to not spend money on unnecessary stuff for a designated amount of time. It is popular after the holidays when people are tapped out financially and need to recover some ground. The grand concept behind a spending freeze is that you …

How To Do A No Spend Challenge in 2022

Money / by Sara

With a new year comes new goals, resolutions, and excitement for the days. How can we reinvent ourselves and make our lives better? Many people chose weight loss, financial, relationship, and exercise resolutions for the upcoming year. And most only last about six weeks. It’s time for a …