When the leaves start to change and the air turns crisp, it’s the perfect time to refresh not just your home or wardrobe—but also your finances. Just like a fall clean-up helps prepare your yard for winter, a financial refresh sets you up for success as we head into the holiday season and the new year.

Here are five simple ways to give your money habits a fall reset:

1. Review Your Summer Spending

Vacations, back-to-school shopping, and family activities can add up quickly. Take a moment to review your summer spending and see where your money went. Were there categories where you overspent? Knowing this now helps you adjust your budget for fall and avoid repeating the same habits.

2. Check In on Your Savings Goals

Did you set a goal to grow your emergency fund or save for a big purchase? Fall is a great checkpoint to see how you’re doing. Even small, consistent contributions can make a big difference over time. Consider setting up automatic transfers into a FinancialEdge savings account so your goals stay on track without you even thinking about it.

3. Declutter Your Finances

Just like cleaning out a closet, your finances may benefit from a little decluttering. Cancel any unused subscriptions or memberships you no longer use. Review your bills to see if you can negotiate lower rates. And if you’re juggling multiple loans, consolidating with a lower-rate option from FinancialEdge can simplify your payments and potentially save you money.

4. Get Ahead on Holiday Planning

The holidays might still feel far away, but starting to save now means less stress later. Create a holiday budget that includes gifts, travel, and celebrations, and begin setting aside a little each week. A great way to put away this spending is to open a FinancialEdge Christmas Club savings account. By December, you’ll be glad you planned ahead and already having money set aside for holiday spending.

5. Review Your Credit & Debt

As the year winds down, it’s smart to check your credit report and know where you stand. If you’re carrying high-interest debt, explore ways to pay it down faster or refinance at a lower rate. At FinancialEdge, we offer options like low-rate credit cards and personal loans to help you take control of your debt and keep your credit in good shape. You can also get in touch with one of our Financial Counselors, who can help you go over your credit, ways to improve it if needed, and get a budget together. Give us a call at (989) 892-6088 and ask to speak with one of our Financial Counselors (Brandie or Christian).

Refresh Your Finances with FinancialEdge

Fall is all about new beginnings—so why not give your finances the fresh start they deserve? Whether you’re looking to save more, cut back, or prepare for the holidays, FinancialEdge Credit Union is here to help.

???? Ready to fall into better money habits? Learn more about our savings, credit, and loan options today at www.finedgecu.org

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