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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 …

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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 …

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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 …

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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 …

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About Sara

Sara Conklin

My name is Sara, and I am the creative cheapskate behind Frozen Pennies.  I am a wife, mama, Financial Coach, and coffee lover.  I am a huge fan of books, black yoga pants, and organization.  Through my website, I’ve helped over 500,000 moms use money the smart way using the same techniques we used to pay off more than $100,000 in debt.  I will teach you how to do the same!

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