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Get Started on Your Christmas Prep NOW!

  • Create a Christmas cash habit that will help you meet your holiday season goals
  • Know how much you have to spend and do Christmas DEBT FREE!
  • Make sure you don't miss any Christmas expenses this year

Are you ready for this year's Christmas shopping?

Go From Festively Frazzled To Christmas Confident

Hi. I'm Sara

I'm the creative cheapskate behind Frozen Pennies and I LOVE CHRISTMAS! I'm a wife, mama, and Financial Coach.

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.

Let me help you get ready for Christmas without going into debt and paying off those credit cards until Independence Day!

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