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Debt Freedom

How To Set Fearless Goals And Achieve Them

Debt Free, Manage Money, Save Money / by Sara

  The New Year is coming up fast, and this is the most popular time for “New Years Resolutions.”  I merely bypass this tradition and go directly to create and set goals for the new year.  Having goals gives our lives a sense of purpose and meaning.  Setting goals point us in a …

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How To Destroy Debt: Debt Snowball or Debt Avalanche?

Debt Free / by Sara

When you get to that point where you know it is time to do something with this mountain of debt, how do you want to go about it? Are you an avalanche or a snowball?  Do you want to roll down the mountain gaining momentum and increase your size as you go like a debt …

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31 Habits Of Highly Successful People

Debt Free / by Sara

31 Habits Of Highly Successful People I love money and I am not afraid or ashamed to admit it. And I love the things I can do with it and the ways I can help those who need a little more.  Also, I love that I can make it and save it and spend it …

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The millionaire daydream

A Millionaire Daydream: Secrets Revealed

Debt Free / by Sara

A Millionaire Daydream: Secrets Revealed   The Secret I have a secret to tell you.  You can get become a millionaire.  But before you do that, you have to be in the right mindset.  I call it the Millionaire Daydream. To me, the Millionaire Daydream is what I dream my life will be like when …

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Stop Fighting About Money

Debt Free, Money / by Sara

Stop Fighting About Money Statistics show that money is the leading cause of fights in a marriage and with the divorce rate hovering around fifty percent, money shows to be a pretty important factor in relationships.  Do you fight about money?  What exactly do you fight about?  It is time to stop …

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The Revealing Truth About Dave Ramsey That You Should Know

Debt Free / by Sara

    I was looking for a way to manage a bunch of rogue monkeys at the circus when I had no idea what monkeys needed.  I was young and inexperienced.  This book brought me hope.  It was filled with a system that I understood. Here is the truth about Dave Ramsey. Dave Ramsey …

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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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