Fall Back In Line With Your Budget

by DCU |

Hold off on the heat

September and October may have mild enough weather to go without heat or air conditioning. Save on utility costs by grabbing a sweater or an extra blanket instead of turning on the thermostat.

Seek out free or low-cost entertainment

Fall’s milder weather also means events such as harvest festivals, haunted houses, Octoberfest celebrations, local high school and college football games, and more. A walk or hike to see nature’s changing colors can be free!

Plan meals in advance

If summer had you on-the-go and eating out more, fall can be the time to cozy up with a slow cooker and stay in. Plan larger meals and freeze leftovers so you can still have convenience at home. Potlucks with friends can be a fun and frugal way to dine together.

Do a fall cleaning

Now’s a great time to see what you have around the house that you no longer need. Consider selling furniture or consigning clothing that’s in good shape for extra cash, and put the money you make in savings.

Call your insurance, cable, and internet providers

It never hurts to ask if there’s an option to reduce your current bills.

Maintain your emergency fund

Having an emergency fund of at least $1,000 is a good idea to help cover an unexpected car repair or medical cost (hello sports injuries and flu season). Building up to a cushion of three to six months’ worth of living expenses can give you even greater peace of mind.

Set a specific plan for holiday shopping

If past years had you scrambling for last-minute gifts and overspending, consider using early fall to prepare a gift plan and budget to shop earlier and smarter, and spend less.

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