Want to control your money better?

Smart Money Recovery Presents...

Smart With Money Toolkit

Everything you need to get started with money management including our SUPER POPULAR Where Did My Money Go Tracker!

  • Discover where you spend your money so you can see what you value most
  • Create money goals for the month, quarter, and year
  • Learn where you can cut back to spend more where you want

Have More Money In Your Account!

Here's What You Get:

  • Printable Debt Tracker
  • Where Did My Money Go Organization Printable
  • Financial Goal Worksheet
  • Smart Money Recovery Checklist
  • Cash Envelope
  • Bank Teller Slips and Cash Trackers
  • Coffee Savings Tracker
  • List Of Budget Categories For Reference

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.