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Most of us feel like we’re doing okay with money—paying the bills, keeping food on the table, and avoiding major splurges. But if your savings still aren’t growing and surprise expenses leave you feeling defeated, this video is for you. Sometimes, it’s not the big purchases—it’s the everyday habits of wasting money that quietly hold us back. In this episode, I’m sharing 15 financial red flags and bad money habits to break, especially for midlife women who think they’re doing everything right. From paying for your grown kids’ subscriptions to upgrading your phone when the old one still works, these subtle choices add up fast. As a financial coach and the author of Fundamentally Frugal, I’ve seen how these sneaky habits derail even the best intentions. If you’re constantly feeling broke, skipping savings, or avoiding your budget, it might be time for a reality check—and that’s exactly what you’ll get here. You’ll learn how to stop wasting money, make better choices, and gain back control without feeling deprived. Frugal living isn’t about restriction—it’s about intention. And recognizing these signs is the first step toward lasting change. So, if you’re ready for practical, real-life advice with a bit of tough love and encouragement, you’re in the right place. Watch now and see if any of these habits are secretly sabotaging your finances—and don’t forget to subscribe for more frugal living tips to help you build a life you love, without financial stress. ________________________________________________________ 💰 Budget Planner (FREE): https://frozenpennies.lpages.co/budge... ________________________________________________________________________ 🌟 📚 Grab Sara's new book, #1 International Best Seller, Fundamentally Frugal here: https://amzn.to/4h3F3zp 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. As an Amazon Associate, I earn from qualifying purchases. Check out the frugal home goods and books to save you money! Frozen Pennies Amazon Store: https://www.amazon.com/shop/frozenpen... ________________________________________________________________________ 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. ________________________________________________________________________ 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.