Want to control your money better?

DIY Cash Wallet Dividers

Everything you need to get started with money management and your own CUSTOM CASH ENVELOPE WALLET.

Use the cash budgeting system with ease without bulky envelopes
Create custom dividers that work for your life
Learn to stop overspending - when it's gone, it's gone

See Your Money!

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Budgeting is a dirty word that feels so overwhelming. Why not just skip it and spend where your values are!

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Hi. I'm Sara

I'm the creative cheapskate behind Frozen Pennies. I'm a wife, mama, and Financial Coach. I love books, coffee, and yoga pants (not necessarily in that order).

My husband says I am “tighter than bark to a tree.” But we paid off more than $100,000 worth of debt and I’m here to help you do the same.

Learn to manage money better along with over 500,000 other readers, followers, and coaching clients.