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!

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

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.