Introducing the #1 best seller…
Fundamentally Frugal
A Woman’s Guide to Becoming Financially Savvy, Intentionally Debt-Free, and Irrisistably Abundant
It’s more than a money guide—it’s a roadmap to a debt-free life, a secure retirement, and a future you can truly look forward to. Let’s simplify your finances, so you can focus on what really matters.
(available in eBook and paperback)
Order Now
What’s Inside?
In this book, I share my personal journey, from struggling with debt to achieving financial freedom and peace of mind. Through the lessons I’ve learned, I offer practical tips, mindset shifts, and strategies that anyone can use to create a life of purpose and financial security. Fundamentally Frugal is more than a book—it’s an opportunity to embrace simplicity, focus on what truly matters, and regain control over your money and your future.
What People Are Saying
“I bought this yesterday and devoured it all in the same day. The way it’s written is far more gentle and less “shouty” than some books about personal finance and frugality. It makes you feel better about your future plans rather than chastised for poor decisions in your past. I wouldn’t hesitate to recommend this book to a friend.”
Karen W.
“Fundamentally Frugal is chock full of financial tips that are refreshingly new and well written in a positive, straightforward manner that is supportive to readers. It’s not about what you’ve done in the past, making guilt being the driving force. It is full of tips and suggestions and how to implement them in a simple way, often with her family’s history of frugality and how living like that has created financial safety for her woven throughout.
I am nearly finished reading it, with pen and notebook in hand. It has already become a ‘read again’ book for me, one that will be in my library for years to come.”
Crystal K.
Hi. I’m Sara!
I’m the coffee-loving, yoga-pants-wearing, frugal-at-heart financial coach behind Frozen Pennies. I’m also a wife, mom, Grammie, and lifelong budget enthusiast here to help midlife women like you navigate family and career challenges and prepare for retirement—all while saving money and living life intentionally.
As a lifelong reader and love of all books, I noticed a lack of books for women in the personal finance niche – we are underserved. So I wrote my own!
After years of speaking with women about the financial struggles that the face, I knew that we need a guide; a guide for managing, budgeting, and spending money so we can not only reach our full potential, but also build wealth.
Here’s What You’ll Learn
Budgeting Made Simple
No more complicated spreadsheets or overwhelming numbers. I’ll show you a simple, no-nonsense way to create a budget that works for your life.
How to Pay Off Debt Faster
Using the same strategies that helped me pay off over $100K in debt, you’ll learn actionable steps to crush your debt without feeling trapped or overwhelmed.
Secrets to Saving Money
You don’t have to live on ramen noodles or skip every outing with friends to save money. Discover how to balance enjoying life and finances.
Easy To Understand Retirement Framework
Providing a clear roadmap to help you feel confident about your future. Whether you’re just starting or catching up, this framework makes preparing for retirement approachable and achievable.
Track. Save. Prosper.
Why This Book is Different
Real-Life Experience
This isn’t another dry finance book. I’ve been where you are, and I’m sharing the exact steps that helped me pay off my six-figure debt and build financial security.
Practical and Actionable
I focus on clear, actionable advice that you can use immediately—no confusing jargon or overwhelming strategies.
Designed for Busy People
Whether you’re juggling work, family, or both, this book is packed with time-saving tips and strategies that fit into your life.
What People Are Saying
“I’m not frugal… from $5 coffees to $295 handbags, I admit it. But after reading “Fundamentally Frugal,” I’ve learned the power of budgeting and mindful spending. To all the fabulous women in their 40s, this book is your compass to navigating financial freedom while still indulging in life’s little luxuries.”
Jill S.
“Fundamentally Frugal is spot on and a must-read. What is most impactful is that Sara stresses the importance of spending with intention. She does not indicate that we should not spend money but that we should think hard about where and how we spend our money. Thank you, Sara, for sharing your life experiences to help us all.”
Eileen C.
Ready to get Fundamentally Frugal?
Don’t wait to take control of your financial future. Fundamentally Frugal is your ultimate guide to saving money, eliminating debt, and creating a life of financial confidence—starting today.
(available in eBook and paperback)
Order Now!
