Thanks to Monarch for partnering with me! Start your free trial and get 50% off your first year of total money clarity using my link https://monarchmoney.yt.link/USi3jOT or code frozen50 for 50% Off Monarch Core tier.

Most women are still using a Phase 1 money system in a Phase 2 season — and it's costing them more than they realize.
Here's the boring money hack that actually saves serious money.

Budgeting doesn't have to feel like a second job. In this video I'm breaking down the two seasons of a money life — and the 3-Layer Rule that makes your money system almost automatic. If you've ever done everything right and still felt exhausted by money, this one is for you.

Topics include zero based budgeting, when to stop using it, automated savings, and the frugal living habits that actually move the needle in midlife.

This video is sponsored by Monarch Money.

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📚 Grab Sara's new book, #1 International Best Seller, Fundamentally Frugal here: https://amzn.to/4h3F3zp
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🐷The Penny Jar Newsletter: https://frozenpennies.com/penny-jar/
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💰 Budget Planner (FREE): https://frozenpennies.lpages.co/budget-planner-freebie/

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.

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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.