Channel Title: Frozen Pennies Channel Description: Are you a Midlife Woman looking to save money? Learn how to save money, budget, and practice frugal living from a certified Financial Coach. Cut back on your grocery budget by spending with intention, living below your means, and finding secret ways to manage money better on your way to debt freedom all! <video> What I Learned From Starting Over at 45: Debt Free Transformation Description: 🌟 📚 Grab Sara's new book, #1 International Best Seller, Fundamentally Frugal here: https://amzn.to/4h3F3zp From stay-at-home mom to debt-free entrepreneur, this is my story of transformation. In this video, I share the 25 simple but powerful life changes I made to reinvent myself, build a business, and pay off all our debt—including our house. If you’re looking for tips on frugal living, mindset shifts, and how to balance family and work while pursuing your dreams, this video is for you. Discover how small changes can lead to financial freedom and personal growth. Watch now to learn how I found my purpose by tackling debt and building the life I always wanted! ________________________________________________________________________ 💰 Budget Planner (FREE): https://frozenpennies.lpages.co/budget-planner-freebie/ ________________________________________________________________________ Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. As an Amazon Associate, I earn from qualifying purchases. Check out the frugal home goods and books to save you money! Frozen Pennies Amazon Store: https://www.amazon.com/shop/frozenpennies ________________________________________________________________________ I’m so very happy to have you here. We are all about saving money at Frozen Pennies. Whether you have a goal like debt freedom, purchasing a home, retiring, or just making ends meet, we are all about making that happen. Here you’ll find tips on saving money on groceries, ways to tweak your budget, and living an overall frugal life (all while having more fun)! Thank you for supporting my channel. About Sara: Sara is a wife, mother, and creator of Frozen Pennies. With a degree in English, a former teacher, and a Certified Financial Coach, there is no better place to learn about debt freedom, budgeting, and overall frugal living. ________________________________________________________________________ DISCLAIMERS: - Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. - Information on this channel (Sara Conklin, Frozen Pennies) only represents my thoughts and opinions. I am not a medical doctor, medical professional, or financial advisor. However, I am a certified financial coach. All content on this channel is intended for entertainment, informational & inspirational purposes only. Don't hesitate to contact a professional with any questions. This video and all videos on this channel are a means of social support. </video> <video> 10 TIMELESS Old Money Habits That You Can Start Today Description: Unlock the secrets of old money habits and see how you can bring timeless practices into your frugal life. Learn simple ways the wealthy build and keep wealth while being mindful of spending. These frugal living tips inspired by old money lifestyle will help you save smarter and live better! ________________________________________________________________________ 💰 Budget Planner (FREE): https://frozenpennies.lpages.co/budget-planner-freebie/ ________________________________________________________________________ Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. As an Amazon Associate, I earn from qualifying purchases. Check out the frugal home goods and books to save you money! Frozen Pennies Amazon Store: https://www.amazon.com/shop/frozenpennies ________________________________________________________________________ I’m so very happy to have you here. We are all about saving money at Frozen Pennies. Whether you have a goal like debt freedom, purchasing a home, retiring, or just making ends meet, we are all about making that happen. Here you’ll find tips on saving money on groceries, ways to tweak your budget, and living an overall frugal life (all while having more fun)! Thank you for supporting my channel. About Sara: Sara is a wife, mother, and creator of Frozen Pennies. With a degree in English, a former teacher, and a Certified Financial Coach, there is no better place to learn about debt freedom, budgeting, and overall frugal living. ________________________________________________________________________ DISCLAIMERS: - Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. - Information on this channel (Sara Conklin, Frozen Pennies) only represents my thoughts and opinions. I am not a medical doctor, medical professional, or financial advisor. However, I am a certified financial coach. All content on this channel is intended for entertainment, informational & inspirational purposes only. Don't hesitate to contact a professional with any questions. This video and all videos on this channel are a means of social support. </video> <video> 10 Retirement Myths Busted (What we learned the HARD way) Description: Are you overwhelmed by all the retirement advice out there? In this video, I’m breaking down common retirement myths that trip people up and sharing the hard lessons I’ve learned along the way. From savings strategies to budgeting tips, I’ll help you navigate the realities of retirement planning with confidence and ease. Let’s bust these myths together to avoid costly mistakes and create the retirement you deserve. Tune in for practical, no-nonsense advice! ________________________________________________________________________ 💰 Budget Planner (FREE): https://frozenpennies.lpages.co/budget-planner-freebie/ ________________________________________________________________________ Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. As an Amazon Associate, I earn from qualifying purchases. Check out the frugal home goods and books to save you money! Frozen Pennies Amazon Store: https://www.amazon.com/shop/frozenpennies ________________________________________________________________________ I’m so very happy to have you here. We are all about saving money at Frozen Pennies. Whether you have a goal like debt freedom, purchasing a home, retiring, or just making ends meet, we are all about making that happen. Here you’ll find tips on saving money on groceries, ways to tweak your budget, and living an overall frugal life (all while having more fun)! Thank you for supporting my channel. About Sara: Sara is a wife, mother, and creator of Frozen Pennies. With a degree in English, a former teacher, and a Certified Financial Coach, there is no better place to learn about debt freedom, budgeting, and overall frugal living. ________________________________________________________________________ DISCLAIMERS: - Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. - Information on this channel (Sara Conklin, Frozen Pennies) only represents my thoughts and opinions. I am not a medical doctor, medical professional, or financial advisor. However, I am a certified financial coach. All content on this channel is intended for entertainment, informational & inspirational purposes only. Don't hesitate to contact a professional with any questions. This video and all videos on this channel are a means of social support. </video> <video> Old Fashioned Frugal Habits We Need To BRING BACK in 2025! Description: Have we forgotten some of the best money-saving habits from the past? In this video, we’re taking a look at those old-fashioned frugal habits that helped past generations stretch a dollar and live with less stress. These simple, practical strategies aren’t just nostalgic—they’re exactly what we need to bring back to make life easier today. Let’s chat about how these timeless habits can save money, simplify your life, and help you reach your goals. If you’re ready to get inspired and rethink how you approach frugality, this one’s for you! ________________________________________________________________________ 💰 Budget Planner (FREE): https://frozenpennies.lpages.co/budget-planner-freebie/ ________________________________________________________________________ Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. As an Amazon Associate, I earn from qualifying purchases. Check out the frugal home goods and books to save you money! Frozen Pennies Amazon Store: https://www.amazon.com/shop/frozenpennies ________________________________________________________________________ I’m so very happy to have you here. We are all about saving money at Frozen Pennies. Whether you have a goal like debt freedom, purchasing a home, retiring, or just making ends meet, we are all about making that happen. Here you’ll find tips on saving money on groceries, ways to tweak your budget, and living an overall frugal life (all while having more fun)! Thank you for supporting my channel. About Sara: Sara is a wife, mother, and creator of Frozen Pennies. With a degree in English, a former teacher, and a Certified Financial Coach, there is no better place to learn about debt freedom, budgeting, and overall frugal living. ________________________________________________________________________ DISCLAIMERS: - Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. - Information on this channel (Sara Conklin, Frozen Pennies) only represents my thoughts and opinions. I am not a medical doctor, medical professional, or financial advisor. However, I am a certified financial coach. All content on this channel is intended for entertainment, informational & inspirational purposes only. Don't hesitate to contact a professional with any questions. This video and all videos on this channel are a means of social support. </video> <video> 20 Shopping Hacks That’ll Make You Say, ‘Why Didn’t I Know This?’ Description: Unlock the secrets to smarter shopping! In this video, discover 20 genius hacks to save money, score better deals, and outsmart the system (groceries to Goodwill). From sneaky savings tips to clever strategies, these tricks will leave you wondering, “Why didn’t I know this sooner?” Get ready to shop smarter today! ________________________________________________________________________ 💰 Budget Planner (FREE): https://frozenpennies.lpages.co/budget-planner-freebie/ ________________________________________________________________________ Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. As an Amazon Associate, I earn from qualifying purchases. Check out the frugal home goods and books to save you money! Frozen Pennies Amazon Store: https://www.amazon.com/shop/frozenpennies ________________________________________________________________________ I’m so very happy to have you here. We are all about saving money at Frozen Pennies. Whether you have a goal like debt freedom, purchasing a home, retiring, or just making ends meet, we are all about making that happen. Here you’ll find tips on saving money on groceries, ways to tweak your budget, and living an overall frugal life (all while having more fun)! Thank you for supporting my channel. About Sara: Sara is a wife, mother, and creator of Frozen Pennies. With a degree in English, a former teacher, and a Certified Financial Coach, there is no better place to learn about debt freedom, budgeting, and overall frugal living. ________________________________________________________________________ DISCLAIMERS: - Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. - Information on this channel (Sara Conklin, Frozen Pennies) only represents my thoughts and opinions. I am not a medical doctor, medical professional, or financial advisor. However, I am a certified financial coach. All content on this channel is intended for entertainment, informational & inspirational purposes only. Don't hesitate to contact a professional with any questions. This video and all videos on this channel are a means of social support. </video> <video> STOP Wasting Money on These 25 Things in 2025! Description: Want to save money and be more intentional with your spending in 2025? Check out this video where I share 25 things I'm not buying this year! These frugal living tips will help you make smart choices with your money and reach your financial goals. ________________________________________________________________________ 💰 Budget Planner (FREE): https://frozenpennies.lpages.co/budget-planner-freebie/ ________________________________________________________________________ 00:00 Introduction 01:33 Trendy Clothing 02:21 New Purses 04:38 Single-Use Outfits 05:29 Dry Clean Only Clothes 06:10 Matching Pajamas 06:34 Air Fresheners & Candles 07:08 Plastic Wraps & Bags 07:53 Seasonal Tableware 08:27 Single Use Cleaning Wipes 08:53 Junk Drawer Gadgets 09:32 Spices 09:59 Cold Cereal 10:14 Meal Delivery Kits 10:50 Flavored Waters 11:18 Salad Kits 11:45 Souvenirs 12:21 Full Price Movies 13:09 Extended Warranties 13:39 Budgeting Apps 14:05 Estate Planning Packages 14:48 Bank Fees 15:35 Tax Filing Expenses 16:15 Life Insurance 16:55 Greeting Cards 17:20 Alcohol 17:55 Over The Top Gifts Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. As an Amazon Associate, I earn from qualifying purchases. Check out the frugal home goods and books to save you money! Frozen Pennies Amazon Store: https://www.amazon.com/shop/frozenpennies ________________________________________________________________________ I’m so very happy to have you here. We are all about saving money at Frozen Pennies. Whether you have a goal like debt freedom, purchasing a home, retiring, or just making ends meet, we are all about making that happen. Here you’ll find tips on saving money on groceries, ways to tweak your budget, and living an overall frugal life (all while having more fun)! Thank you for supporting my channel. About Sara: Sara is a wife, mother, and creator of Frozen Pennies. With a degree in English, a former teacher, and a Certified Financial Coach, there is no better place to learn about debt freedom, budgeting, and overall frugal living. ________________________________________________________________________ DISCLAIMERS: - Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. - Information on this channel (Sara Conklin, Frozen Pennies) only represents my thoughts and opinions. I am not a medical doctor, medical professional, or financial advisor. However, I am a certified financial coach. All content on this channel is intended for entertainment, informational & inspirational purposes only. Don't hesitate to contact a professional with any questions. This video and all videos on this channel are a means of social support. </video> <video> 10 Things Worth Hoarding Before January (Save Money Now) Description: Prices are rising, and we can’t control it—but we CAN plan ahead. In this video, I’m sharing 10 essentials to stockpile before January so you can save money and stress less about your grocery budget. I’ll show you what to prioritize, why it matters, and how to stock up without breaking the bank. I get it—some people might call this “hoarding,” but I call it BEING PREPARED. With inflation and price hikes looming, stocking up now on pantry staples and household essentials can protect your wallet in the months ahead. Don’t worry—I’m also sharing affordable tips and creative substitutes if certain items get too pricey. There’s always a frugal way to save. If you’re trying to make the most of your grocery budget, this video will help you shop smart, stockpile responsibly, and keep your household ready for anything. Remember, this isn’t about panic buying—it’s about planning ahead and being intentional with your purchases. So, let’s tackle these rising costs together! Hit play, take notes, and get prepared—without overspending or wasting food. And if you’re ready to save even more money, stick around for my tips at the end. Let’s beat inflation and keep your budget in check! ________________________________________________________________________ 💰 Budget Planner (FREE): https://frozenpennies.lpages.co/budget-planner-freebie/ ________________________________________________________________________ Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. As an Amazon Associate, I earn from qualifying purchases. Check out the frugal home goods and books to save you money! Frozen Pennies Amazon Store: https://www.amazon.com/shop/frozenpennies ________________________________________________________________________ 00:00 Tariffs, Inflation, Weather 02:29 Coffee 03:46 Garlic 04:34 Canola Oil 05:05 Produce 05:56 Shrimp 06:40 Bread 07:54 Meat 08:42 Citrus 09:45 Alcohol 10:25 Chocolate 11:14 Peanuts 12:10 FAQ's I’m so very happy to have you here. We are all about saving money at Frozen Pennies. Whether you have a goal like debt freedom, purchasing a home, retiring, or just making ends meet, we are all about making that happen. Here, you’ll find tips on saving money on groceries, ways to tweak your budget, and living an overall frugal life (all while having more fun)! Thank you for supporting my channel. About Sara: Sara is a wife, mother, and creator of Frozen Pennies. With a degree in English, a former teacher, and a Certified Financial Coach, there is no better place to learn about debt freedom, budgeting, and overall frugal living. ________________________________________________________________________ DISCLAIMERS: - Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. - Information on this channel (Sara Conklin, Frozen Pennies) only represents my thoughts and opinions. I am not a medical doctor, medical professional, or financial advisor. However, I am a certified financial coach. All content on this channel is intended for entertainment, informational & inspirational purposes only. Don't hesitate to contact a professional with any questions. This video and all videos on this channel are a means of social support. </video> <video> 10 Life-Changing Financial Books You MUST READ in 2025 Description: Fundamentally Frugal: https://amzn.to/3DXZ243 Total Money Makeover: https://amzn.to/40fogSX Think and Grow Rich: https://amzn.to/3CkCx8R I Will Teach You to Be Rich: https://amzn.to/42fplwO The Wealth Money Can’t Buy: https://amzn.to/4hczWNa The Algebra of Wealth: https://amzn.to/4fSUzNm The Energy Bus: https://amzn.to/3DS3MYN The Mountain Is You: https://amzn.to/4amxmSr Invested: https://amzn.to/40yVhen Depression Era Frugality: https://amzn.to/40wg1mF The Ultimate Retirement Guide: https://amzn.to/4fY3mO5 The Seven Husbands of Evelyn Hugo: https://amzn.to/4gYVNbm Eleanor Oliphant is Completely Fine: https://amzn.to/40A2GKp Lessons in Chemistry: A Novel: https://amzn.to/3WijCT0 Hello Beautiful: https://amzn.to/4gUk4ir The Nightingale: https://amzn.to/4haBMxY Discover the best money books of 2025 that will change the way you think about finances! In this video, we dive into life-changing financial books that are perfect for anyone looking to improve their money management, budgeting skills, and financial independence. Whether you’re striving for financial freedom, looking to master your money mindset, or simply want to explore the top finance books of 2025, this list has something for everyone. These must-read books will set you on the path to success. Start your journey to financial empowerment today! ________________________________________________________________________ 💰 Budget Planner (FREE): https://frozenpennies.lpages.co/budget-planner-freebie/ ________________________________________________________________________ 00:00 Introduction 02:21 The Total Money Makeover 03:53 Think and Grow Rich 04:58 I Will Teach You to Be Rich 06:19 The Wealth Money Can’t Buy 07:33 The Algebra of Wealth 08:28 The Energy Bus 09:20 Fundamentally Frugal 11:31 The Mountain Is You 12:23 Invested 13:19 Depression Era Frugality 14:01 The Ultimate Retirement Guide 15:47 The Seven Husbands of Evelyn Hugo 16:32 Eleanor Oliphant is Completely Fine 16:57 Lessons in Chemistry: A Novel 17:33 Hello Beautiful 18:03 The Nightingale Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. As an Amazon Associate, I earn from qualifying purchases. Check out the frugal home goods and books to save you money! Frozen Pennies Amazon Store: https://www.amazon.com/shop/frozenpennies ________________________________________________________________________ I’m so very happy to have you here. We are all about saving money at Frozen Pennies. Whether you have a goal like debt freedom, purchasing a home, retiring, or just making ends meet, we are all about making that happen. Here you’ll find tips on saving money on groceries, ways to tweak your budget, and living an overall frugal life (all while having more fun)! Thank you for supporting my channel. About Sara: Sara is a wife, mother, and creator of Frozen Pennies. With a degree in English, a former teacher, and a Certified Financial Coach, there is no better place to learn about debt freedom, budgeting, and overall frugal living. ________________________________________________________________________ DISCLAIMERS: - Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. - Information on this channel (Sara Conklin, Frozen Pennies) only represents my thoughts and opinions. I am not a medical doctor, medical professional, or financial advisor. However, I am a certified financial coach. All content on this channel is intended for entertainment, informational & inspirational purposes only. Don't hesitate to contact a professional with any questions. This video and all videos on this channel are a means of social support. </video> <video> The Unexpected Secret Behind Quiet Abundance Description: Let’s talk about Quiet Abundance—a fresh, modern twist on stealth wealth that’s all about redefining what it means to truly feel rich. In this video, we’ll dive into how living modestly and intentionally can bring more joy, financial security, and peace of mind than any flashy car or designer handbag ever could. We’ll explore why movements like FIRE, minimalism, and slow living are inspiring people to step away from the pressure to show off and focus on what really matters—like building meaningful relationships, creating a safety net, and finding happiness in the simple things. If you’re tired of the constant race to impress and ready to embrace a life of purpose and balance, this one’s for you. Let’s rethink success together and find out why living quietly might just be the boldest move of all. 00:00 Introduction 00:57 What is Quiet Abundance? 02:30 Why Is It Becoming Popular? 03:18 Economic Uncertainty 03:48 Social Tensions 04:12 Safety 04:42 Minimalism and Slow Living 05:04 The FIRE Movement 05:24 Why Does It Matter? 05:40 Maintaining Privacy 06:13 Avoiding Pressure 06:32 Psychological Balance 06:52 A Shift in Culture 07:17 When Did Quiet Abundance Start? 07:44 Who Is Embracing Quiet Abundance? ________________________________________________________________________ 💰 Budget Planner (FREE): https://frozenpennies.lpages.co/budget-planner-freebie/ ________________________________________________________________________ Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. As an Amazon Associate, I earn from qualifying purchases. Check out the frugal home goods and books to save you money! Frozen Pennies Amazon Store: https://www.amazon.com/shop/frozenpennies ________________________________________________________________________ I’m so very happy to have you here. We are all about saving money at Frozen Pennies. Whether you have a goal like debt freedom, purchasing a home, retiring, or just making ends meet, we are all about making that happen. Here you’ll find tips on saving money on groceries, ways to tweak your budget, and living an overall frugal life (all while having more fun)! Thank you for supporting my channel. About Sara: Sara is a wife, mother, and creator of Frozen Pennies. With a degree in English, a former teacher, and a Certified Financial Coach, there is no better place to learn about debt freedom, budgeting, and overall frugal living. ________________________________________________________________________ DISCLAIMERS: - Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. - Information on this channel (Sara Conklin, Frozen Pennies) only represents my thoughts and opinions. I am not a medical doctor, medical professional, or financial advisor. However, I am a certified financial coach. All content on this channel is intended for entertainment, informational & inspirational purposes only. Don't hesitate to contact a professional with any questions. This video and all videos on this channel are a means of social support. </video> <video> 25 TINY Frugal Habits You’ve Been Overlooking (Until Now) Description: Discover 25 tiny but powerful frugal living tips that can transform your finances without feeling like a chore! In this video, we dive into micro habits to save money and share actionable frugal living tips that busy moms and anyone on a budget can easily incorporate. From energy-saving tips at home to simple ways to stretch your dollars at the grocery store, these strategies will help you live a happier, more intentional life. Whether you’re looking for mindful spending strategies or practical ideas for everyday savings, these overlooked habits are your secret weapon to save money like a pro! ________________________________________________________________________ 💰 Budget Planner (FREE): https://frozenpennies.lpages.co/budget-planner-freebie/ ________________________________________________________________________ 00:00 Introduction 01:24 Check Bank Accounts Daily 01:37 Set a $10 Rule 01:56 Set a Weekly Spending Limit 03:30 Use Cold Water for Laundry 03:42 Use the Quick Wash Setting 03:55 nstall Faucet Aerators & Turn Off The Water 04:14 Cook with a Lid On 04:25 Wash Clothes Less Often 04:36 Run Full Loads 04:46 Install Motion Sensor Lights 04:56 Plan “Pantry Clean-Out” Meals 05:12 Start a “Leftovers Night” 05:23 Buy Frozen Vegetables 05:36 Use Every Part of Ingredients 05:48 Stick to a Meal Rotation 06:08 Make Your Own Salad Dressing 06:44 Drink Water Before Meals 07:07 Use Rugs to Insulate Floors 07:19 Hang Heavy Curtains 07:47 Declutter and Donate Monthly 08:00 One-In, One-Out Rule 08:13 Switch to Reusable Napkins 08:32 Check Thrift Stores First 08:48 Review Your Insurance Policies 09:01 Spend with intention. Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. As an Amazon Associate, I earn from qualifying purchases. Check out the frugal home goods and books to save you money! Frozen Pennies Amazon Store: https://www.amazon.com/shop/frozenpennies ________________________________________________________________________ I’m so very happy to have you here. We are all about saving money at Frozen Pennies. Whether you have a goal like debt freedom, purchasing a home, retiring, or just making ends meet, we are all about making that happen. Here you’ll find tips on saving money on groceries, ways to tweak your budget, and living an overall frugal life (all while having more fun)! Thank you for supporting my channel. About Sara: Sara is a wife, mother, and creator of Frozen Pennies. With a degree in English, a former teacher, and a Certified Financial Coach, there is no better place to learn about debt freedom, budgeting, and overall frugal living. ________________________________________________________________________ DISCLAIMERS: - Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. - Information on this channel (Sara Conklin, Frozen Pennies) only represents my thoughts and opinions. I am not a medical doctor, medical professional, or financial advisor. However, I am a certified financial coach. All content on this channel is intended for entertainment, informational & inspirational purposes only. Don't hesitate to contact a professional with any questions. This video and all videos on this channel are a means of social support. </video> <video> Low-Income Happiness Hacks No One Talks About (Even When You’re Broke) Description: Wondering how you can find happiness and contentment on a low income? I've got 10 tips for you to find happiness even when you are broke! From frugal living to simplicity and joy, you might find your happily ever after right here! ________________________________________________________________________ 💰 Budget Planner (FREE): https://frozenpennies.lpages.co/budget-planner-freebie/ ________________________________________________________________________ Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. As an Amazon Associate, I earn from qualifying purchases. Check out the frugal home goods and books to save you money! Frozen Pennies Amazon Store: https://www.amazon.com/shop/frozenpennies ________________________________________________________________________ I’m so very happy to have you here. We are all about saving money at Frozen Pennies. Whether you have a goal like debt freedom, purchasing a home, retiring, or just making ends meet, we are all about making that happen. Here you’ll find tips on saving money on groceries, ways to tweak your budget, and living an overall frugal life (all while having more fun)! Thank you for supporting my channel. About Sara: Sara is a wife, mother, and creator of Frozen Pennies. With a degree in English, a former teacher, and a Certified Financial Coach, there is no better place to learn about debt freedom, budgeting, and overall frugal living. ________________________________________________________________________ DISCLAIMERS: - Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. - Information on this channel (Sara Conklin, Frozen Pennies) only represents my thoughts and opinions. I am not a medical doctor, medical professional, or financial advisor. However, I am a certified financial coach. All content on this channel is intended for entertainment, informational & inspirational purposes only. Don't hesitate to contact a professional with any questions. This video and all videos on this channel are a means of social support. </video> <video> Why Your Frugal Lifestyle Isn’t Working (And What You’re Doing Wrong)! Description: How often do we accidentally make mistakes that end up sabotaging our efforts? If you’re new to frugal living, it’s so easy to stumble into some of these common traps without even realizing it. So, let’s talk about 21 mistakes that could be holding you back and, more importantly, how to avoid them. ________________________________________________________________________ 💰 Budget Planner (FREE): https://frozenpennies.lpages.co/budget-planner-freebie/ ________________________________________________________________________ Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. As an Amazon Associate, I earn from qualifying purchases. Check out the frugal home goods and books to save you money! Frozen Pennies Amazon Store: https://www.amazon.com/shop/frozenpennies ________________________________________________________________________ I’m so very happy to have you here. We are all about saving money at Frozen Pennies. Whether you have a goal like debt freedom, purchasing a home, retiring, or just making ends meet, we are all about making that happen. Here you’ll find tips on saving money on groceries, ways to tweak your budget, and living an overall frugal life (all while having more fun)! Thank you for supporting my channel. About Sara: Sara is a wife, mother, and creator of Frozen Pennies. With a degree in English, a former teacher, and a Certified Financial Coach, there is no better place to learn about debt freedom, budgeting, and overall frugal living. ________________________________________________________________________ DISCLAIMERS: - Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. - Information on this channel (Sara Conklin, Frozen Pennies) only represents my thoughts and opinions. I am not a medical doctor, medical professional, or financial advisor. However, I am a certified financial coach. All content on this channel is intended for entertainment, informational & inspirational purposes only. Don't hesitate to contact a professional with any questions. This video and all videos on this channel are a means of social support. </video> <video> Low Buy Year: The One Challenge That Could Save You Thousands Description: Are you ready to transform your spending habits and save thousands? In this video, we dive into the Low Buy Year challenge—a game-changing strategy to help you embrace intentional spending, cut unnecessary expenses, and work toward financial freedom. Whether you're looking to adopt a more minimalist lifestyle, tackle a no-spend challenge, or simply learn new frugal living tips, this video will guide you through the steps to succeed. Discover how to set realistic goals, track your progress, and stay motivated throughout the year. By the end of this video, you'll have the tools and mindset to make 2024 your most financially successful year yet! Don't miss out on these money-saving tips and strategies for reducing expenses and living a budget-friendly life. ________________________________________________________________________ 💰 Budget Planner (FREE): https://frozenpennies.lpages.co/budget-planner-freebie/ ________________________________________________________________________ Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. As an Amazon Associate, I earn from qualifying purchases. Check out the frugal home goods and books to save you money! Frozen Pennies Amazon Store: https://www.amazon.com/shop/frozenpennies ________________________________________________________________________ I’m so very happy to have you here. We are all about saving money at Frozen Pennies. Whether you have a goal like debt freedom, purchasing a home, retiring, or just making ends meet, we are all about making that happen. Here you’ll find tips on saving money on groceries, ways to tweak your budget, and living an overall frugal life (all while having more fun)! Thank you for supporting my channel. About Sara: Sara is a wife, mother, and creator of Frozen Pennies. With a degree in English, a former teacher, and a Certified Financial Coach, there is no better place to learn about debt freedom, budgeting, and overall frugal living. ________________________________________________________________________ DISCLAIMERS: - Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. - Information on this channel (Sara Conklin, Frozen Pennies) only represents my thoughts and opinions. I am not a medical doctor, medical professional, or financial advisor. However, I am a certified financial coach. All content on this channel is intended for entertainment, informational & inspirational purposes only. Don't hesitate to contact a professional with any questions. This video and all videos on this channel are a means of social support. </video> <video> I Got ALL My Christmas Gifts For Practically FREE! Description: Are you ready to save BIG this holiday season? 🎄 In today’s video, I’m sharing exactly how I scored an amazing haul of Christmas gifts for (practically) FREE! 💸 It’s not about skipping the joy of giving—it’s about getting creative, being resourceful, and making your budget work. I’ll walk you through 4 simple tips and tricks I’ve used to make holiday shopping stress-free and wallet-friendly. These strategies are perfect for anyone who loves saving money without sacrificing the season's magic. Whether you're on a tight budget or love a good deal, these ideas will inspire you to shop smarter and gift better. Rakuten: www.rakuten.com/r/SMBCON2 Upside Invite Code: SARA344952 ________________________________________________________________________ 💰 Budget Planner (FREE): https://frozenpennies.lpages.co/budget-planner-freebie/ ________________________________________________________________________ Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. As an Amazon Associate, I earn from qualifying purchases. Check out the frugal home goods and books to save you money! Frozen Pennies Amazon Store: https://www.amazon.com/shop/frozenpennies ________________________________________________________________________ I’m so very happy to have you here. We are all about saving money at Frozen Pennies. Whether you have a goal like debt freedom, purchasing a home, retiring, or just making ends meet, we are all about making that happen. Here you’ll find tips on saving money on groceries, ways to tweak your budget, and living an overall frugal life (all while having more fun)! Thank you for supporting my channel. About Sara: Sara is a wife, mother, and creator of Frozen Pennies. With a degree in English, a former teacher, and a Certified Financial Coach, there is no better place to learn about debt freedom, budgeting, and overall frugal living. ________________________________________________________________________ DISCLAIMERS: - Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. - Information on this channel (Sara Conklin, Frozen Pennies) only represents my thoughts and opinions. I am not a medical doctor, medical professional, or financial advisor. However, I am a certified financial coach. All content on this channel is intended for entertainment, informational & inspirational purposes only. Don't hesitate to contact a professional with any questions. This video and all videos on this channel are a means of social support. </video> <video> 23 Top Grocery Hacks for Saving BIG in 2025 {Hacks, Hints & How-to's} Description: Looking to save big on groceries without using coupons? Learn how to shop smarter and save more with these hacks, hints and how-to's. Prices are out of control, and they’re only getting worse. In this video, I’m sharing 23 smart ways to save money on groceries in 2025, including grocery shopping tips, frugal living hacks, and meal planning strategies that will help you fight back against rising costs. Whether you’re dealing with inflation, tariffs, or just trying to stick to a tighter budget, these grocery savings tips are practical and easy to start today. I’ll walk you through reducing your grocery bills without sacrificing the food you love. No coupons? No problem. I’ve got strategies for cutting costs and stretching your dollars further—whether you’re meal prepping, shopping sales, or resisting impulse buys. Let’s make grocery shopping less stressful and more affordable! ________________________________________________________________________ 💰 Budget Planner (FREE): https://frozenpennies.lpages.co/budget-planner-freebie/ ________________________________________________________________________ 00:00 Introduction 02:07 Shopping Strategies 02:44 No Coupons Or Apps 03:34 Discount Stores 04:25 Farmers Markets 04:35 Warehouse Memberships & Bulk 05:21 Impulse Control 06:25 Budget & Plan 07:18 Grocery Spending Per Person 07:58 Plan Meals 09:00 Food Efficiency 09:41 Meal Prepping 10:18 Reduce Waste 11:26 Use Leftovers Creatively 11:56 Store Produce Properly 13:12 Finding Hidden Savings 13:36 Cheap Grocery Items 14:16 Clearance & Markdowns 14:35 Loyalty Programs & Apps 15:07 Make Instead of Buy 15:50 Alternatives 16:55 Grow Your Own Food 17:27 Buy Local Foods 18:20 Delivery & Pickup Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. As an Amazon Associate, I earn from qualifying purchases. Check out the frugal home goods and books to save you money! Frozen Pennies Amazon Store: https://www.amazon.com/shop/frozenpennies ________________________________________________________________________ I’m so very happy to have you here. We are all about saving money at Frozen Pennies. Whether you have a goal like debt freedom, purchasing a home, retiring, or just making ends meet, we are all about making that happen. Here you’ll find tips on saving money on groceries, ways to tweak your budget, and living an overall frugal life (all while having more fun)! Thank you for supporting my channel. About Sara: Sara is a wife, mother, and creator of Frozen Pennies. With a degree in English, a former teacher, and a Certified Financial Coach, there is no better place to learn about debt freedom, budgeting, and overall frugal living. ________________________________________________________________________ DISCLAIMERS: - Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you. - Information on this channel (Sara Conklin, Frozen Pennies) only represents my thoughts and opinions. I am not a medical doctor, medical professional, or financial advisor. However, I am a certified financial coach. All content on this channel is intended for entertainment, informational & inspirational purposes only. Don't hesitate to contact a professional with any questions. This video and all videos on this channel are a means of social support. </video>

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Are you a Midlife Woman looking to save money? Learn how to save money, budget, and practice frugal living from a certified Financial Coach. Cut back on your grocery budget by spending with intention, living below your means, and finding secret ways to manage money better on your way to debt freedom all!

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