These 13 micro habits are so small they barely feel like habits — until you add them up over 52 weeks and realize you've been saving over $250 every single week.

No budgeting apps required. No willpower. Just a second layer of thinking that most financial advice never reaches.

In this video, Sara — certified financial coach — breaks down the 13 most overlooked micro habits for women over 50, including how to decode the dark patterns engineered to manipulate your spending, the emotional trigger behind impulse buys that no spreadsheet can fix, and how to modernize the cash envelope system for a world that no longer wants your cash.

These aren't tips you've heard a hundred times. These are the habits that work because they change how you see spending, not just how you control it.
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📚 Grab Sara's new book, #1 International Best Seller, Fundamentally Frugal here: https://amzn.to/4h3F3zp
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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.