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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.
What I Put in My Frugal Girl Emergency Kit
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What I Put in My Frugal Girl Emergency Kit

When most people talk about emergency kits, they’re picturing flashlights and first-aid supplies. And sure, those matter. But here’s what I’ve learned after years of…

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How We Made Retirement Work on One Income
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How We Made Retirement Work on One Income

The question keeps people awake at night: can we really retire on just one income? When dual-income households are the norm and retirement guides assume…

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Why Gen X Is Broke (And What I’m Doing About It)
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Why Gen X Is Broke (And What I’m Doing About It)

We’re supposed to be in our prime earning years. We’re supposed to have it figured out by now. Yet here we are, Gen X, staring…

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The ‘Midlife Money Crisis’ Nobody Talks About
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The ‘Midlife Money Crisis’ Nobody Talks About

You’re in your 40s or 50s. You’ve been working for decades. You’re doing everything “right.” So why does it feel like you’re financially drowning? If…

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The Reset Routine I Do Every Sunday Night
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The Reset Routine I Do Every Sunday Night

You know that sinking feeling when Monday morning hits and you’re scrambling to find clean work clothes, pack lunches, and remember what’s even on your…

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How I Made a Cozy Life on a Modest Income
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How I Made a Cozy Life on a Modest Income

You don’t need a six-figure salary to come home to a space that feels like a warm hug. Creating a cozy, comfortable life isn’t about…

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The One Budgeting Rule That Changed Everything
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The One Budgeting Rule That Changed Everything

You’ve tried every budgeting method in the book. The 50/30/20 rule, zero-based budgeting, the envelope system—and somehow, you still end up broke before payday. Sound…

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The Grocery Store Layout Is Designed to Trick You—Here’s What to Know
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The Grocery Store Layout Is Designed to Trick You—Here’s What to Know

You run into the store for milk and bread. Thirty minutes later, you’re loading bags into your car, wondering how you spent $87. Sound familiar?…

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7 Money Mistakes I Fixed Before I Turned 60
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7 Money Mistakes I Fixed Before I Turned 60

You know that feeling when you’re earning more money than ever before, but you still lie awake at night worrying about bills? When you look…

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