9 SIMPLE Life Lessons That Drastically Improved My Finances {FRUGAL HACKS}

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I'm excited to share nine life lessons that drastically improved my finances. These lessons have shaped my journey toward a more frugal life and also helped me achieve financial peace. Embracing frugal living and saving money has allowed me to live below my means while still enjoying life.

These life lessons aren't just about cutting costs, making mindful decisions, and developing daily frugal habits that lead to long-term benefits. Each lesson has been crucial in transforming my financial landscape from personal finance strategies to practical money-saving tips.

By incorporating these lessons into your routine, you'll become more intentional with your spending, more aware of your financial goals, and more motivated to stick to your budget. Whether you're looking to save for retirement, pay off debt, or make the most of your income, these insights will provide you with a solid foundation for better money management.

Join me as I walk you through these nine valuable lessons to help you lead a more frugal, intentional life. Let's dive into the principles that have improved my finances and brought a sense of fulfillment and security. Get ready to embrace frugal living and discover how small changes can impact your financial future.

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Check out the frugal home goods and books to save you money!

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I’m so very happy to have you here. We are all about saving money at Frozen Pennies. Whether you have a goal like debt freedom, purchasing a home, retiring, or just making ends meet, we are all about making that happen. Here you’ll find tips on saving money on groceries, ways to tweak your budget, and living an overall frugal life (all while having more fun)! Thank you for supporting my channel.

About Sara:
Sara is a wife, mother, and creator of Frozen Pennies. With a degree in English, a former teacher, and a Certified Financial Coach, there is no better place to learn about debt freedom, budgeting, and overall frugal living.

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DISCLAIMERS:

- Links included in this description might be affiliate links. I may receive a small commission if you purchase a product or service with the links I provide at no additional charge to you.
- Information on this channel (Sara Conklin, Frozen Pennies) only represents my thoughts and opinions. I am not a medical doctor, medical professional, or financial advisor. However, I am a certified financial coach. All content on this channel is intended for entertainment, informational & inspirational purposes only. Don't hesitate to contact a professional with any questions. This video and all videos on this channel are a means of social support.

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SLEEP 🛌 that is my number one advice. When I am tired I don't make good decisions. I grab from the grocery store the quickest thing I can prepare . I don't have the patience to look for the best deal. I just want to get it done. Oh not healthy and kills the budget.
Sleep has changed my life and helped my budget.

ruthwathen

“Total Money Makeover”! Just last night I found myself zoning out staring at my late ex-husband’s book shelf & noticed that title! I hate dealing with money matters, but what are the chances a book I never heard of would make it into the realm of my existence twice in a 24 hour period?! Guess I’ll be curling up with Dave Ramsey(‘s book) the next few nights. 😂

DesireeNoel

I liked the Uncle Frank comment as my great Uncle Frank had lived a frugal and fruitful life. When he passed he left 20 people in my family 20000.00 each. I was a teenager and moved out at 18. Over the next few years I had gone through that money probably because being raised by a single mother with just barely enough was such a drag. I had purchased a real gas sipping vehicle that I filled every 3 weeks though! Over the years I have learned that wants are not as important as needs and paying yourself first is important. I finally started an IRA at 40 so it is never too late.

kathleenhill

I'm in tears listening to this. I'm extremely frugal, but life happens. It has thrown 1 punch after another this past year. I'm heading into a foreclosure, if my budget doesn't get a bump in income (unexpectedly lost 1 of my 2 jobs) soon.

fourdayhomestead

I've been doing the debt snowball since January this year. I had 8 debts, now I am down to one - the biggest one unfortunately. But it has made such a difference not paying out every month to lots of different companies. I have more money and less stress :0)

SkintLivingUK

I would LOVE a budget 101 video!!!! I write out a list of bills, their due dates and amounts each month but don’t have anything beyond that.

Ginascottage

One mindset that was a game changer for me was to tell myself that every dollar had the same amount of pennies..in other words, money isn’t magical and it won’t stretch to fit my wants. Now my budget and goals help me to avoid the trap of “magical money thinking”. Thanks for your honesty in this video, Sarah!

simonefeaster

I also shop at multiple grocery stores, which are all in close proximity. I shop at Walmart, Aldi and Super Saver. I find the best deals at each place. It definitely saves money.

fredswartley

Your new haircut is very flattering on you.

cindyvoytilla

Baking sourdough bread right now for my grands…they love it and we know what’s in it, plus I love it lol

kerryberry

Keeping it simple……do not buy wants, just needs…..and downsizing unneeded items! 😊

truenetta

For me it is the thought that I am beating the supermarkets at their own game and contributing as little as possible to greedy share holders. We live ( 2 adults) on foods that are on offer or reduced and I spend about £35 per week. We eat well, no junk food - meat and veg most days ( except for Meatless Mondays and Fishy Fridays). It is cheaper to eat fresh, provided you eat seasonally. Then comes my second reason for being frugal - i have better uses for the money - such as going out, once a month to eat at a very high end restaurant( s) which serves food i would not cook at home, which i throughly enjoy or going on a train trip or to the cinema!

lynnoorman

Keep making these videos - Sara your videos are so helpful. ❤❤

pishi

Great video 👍🏻😄 This is what I say we need to start teaching this in junior high and continue this thru college 🤔👍🏻 Thanks for sharing 👋🏽👋🏽🤗

olafpamela

My most favorite money saving hack is to buy foaming soap for the pump mechanism. First of all I have bought 4 containers of foaming soap from dollar Tree. After using them up I will then buy the gel hand soap in the larger containers and put a 1/3 bottle warm water in an empty container and then fill it a third full with hand soap and then another third of warm water and mix them up. I can then use that mixture to use in the foaming pump container. Not only does the foaming soap go farther by using 1/4th of the clear hand soap in the larger containers. I usually find them on sale with Ibotta for Walmart. They use less soap and water because you can lather your hands up without turning on the water first to get your hands wet. I reuse the foaming soap dispensers all the time. I even use one at my kitchen sink. So I use Dawn for dishes. But if I want to wash my hands in general there then I don’t have to worry about using expensive dish soap to wash my hands. Which also saves me money. Saves me a good amount of money. I know some here have heard it before. But for the beginners. They will love it

Mike-ldou

I'm shocked that your bank or mortgage company wouldn't accept the late payment! I've never heard of that but I'm sorry to know that you went through that. It's one of those things that we learn and a hard way is younger people and it can be stomach-churning!

Savannah-edrv

Good tips! You know I was told when I got my driver’s license go by a car. At the time I thought I would love to, but having a roof over my head was important, and yes i had to get to work I cough the bus, I had to weigh my options, and I had children so it wasn’t just me money was tight and I had to make that choice.

shirleyjohnson

Yes! Yes! Yes please! A how to, hands on video of your “debt freedom roadmap”

lindaaustin-morin

I love your videos & I cook from scratch too. Its a definite necessity these days plus you need to know what is going into your food - as too many dodgy chemicals in food these days! :0)

SkintLivingUK

I would very much like to see a demonstration of how to actually use a budget! I have never really been taught how.

lisajoy

9 *SIMPLE* Life Lessons That Drastically Improved My Finances {FRUGAL HACKS}