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Frozen Pennies

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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.

Create A Capsule Wardrobe To Save Money

Save Money, Spending Freeze / by Sara

  Have you ever stood in front of your closet and thought…I hate my clothes.  I have nothing to wear!!!  What if you could look in your closet and love everything there? Grab a shirt, a pair of pants, and a sweater and not spend 20 minutes trying things on where they end up …

Read More »Create A Capsule Wardrobe To Save Money
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How To Make Cheap Cleaning Products That Are Not Toxic

Save Money, Spending Freeze / by Sara

A friend of mine texted me the other day about a product to clean her leather furniture. The one she was interested in was a little out of her price range, so I told her to do an internet search on making a cleaner for leather. I was sure that there had to be cheap …

Read More »How To Make Cheap Cleaning Products That Are Not Toxic
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Epic Strategies To Conquer Dave’s Money Makeover

Debt Free, Spending Freeze / by Sara

Dave Ramsey has a debt elimination program that has given a lot of people the joy of being debt free.  His simple and proven steps are foolproof if you commit and follow the plan.   Commitment is the hard part here.  If you want to “live like no one else so later you can live …

Read More »Epic Strategies To Conquer Dave’s Money Makeover
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5 Best Books on Money Management

Books, Debt Free / by Sara

“Reading is a basic tool in the living of a good life.” Joseph Addison, poet. I love to read so I have made a goal to read 24 nonfiction books this year.  It has been my personal quest to read all of the personal finance books I can find.  It’s personal. …

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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 …

Read More »Time For My Top 8 Spending Freeze Tips
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How To Do A No Spend Challenge

Money / by Sara

Are you ready to take control of your finances and kick your spending habits to the curb? Look no further because we have just the challenge for you: the No Spend Challenge! In a world filled with tempting purchases and endless opportunities to splurge, this challenge offers a refreshing opportunity …

Read More »How To Do A No Spend Challenge
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