5 Things to Review for a Fall Financial Clean-Up
As the leaves change and the holidays approach, it’s the perfect time to do a little fall financial clean-up. Before the rush of gift shopping, travel plans, and year-end expenses begins, take a moment to check in on your finances. A quick review now can help reduce stress, avoid surprises, and set the stage for smarter holiday spending.
Here are five key areas to review that can help you feel more confident heading into the holiday season:
1. Revisit Your Budget
Fall is a great time to review your monthly spending and see how it aligns with your financial goals. Are you staying on track, or have everyday expenses crept up since summer?
Use Ft. Randall FCU’s online and mobile banking tools to categorize your expenses and spot areas to adjust. If you haven’t created a holiday spending plan yet, now’s the time to build one, and we can help.
2. Plan for Seasonal Spending
Between gifts, meals, decorations, and travel, the holidays can bring a spike in spending. Take some time now to estimate your upcoming seasonal expenses and start setting aside money each week.
Consider opening a dedicated savings account at Ft. Randall FCU to keep holiday funds separate and easy to track. A little planning now can go a long way in preventing post-holiday credit card stress.
3. Tackle High-Interest Debt
Carrying a balance on credit cards? As interest adds up, it can become a bigger burden during the holidays. Fall is a great time to consolidate debt or explore lower-interest options.
Ask us about a personal loan from Ft. Randall FCU. It could help simplify payments and reduce what you pay in interest, freeing up room in your budget for other priorities.
4. Check In on Your Credit Score
Your credit score can impact everything from loan approvals to the interest rate you receive. Use this season as a reminder to review your credit report, dispute any errors, and take steps to boost your score if needed.
Need help understanding your credit or building it back up? We’re here to offer tools, secured card options, and friendly guidance tailored to your financial goals.
5. Reevaluate Your Financial Goals
Whether you set a savings goal in January or just started thinking about buying a car, building an emergency fund, or planning for a big life change, now is the time to reassess. Are you on track? Do your goals still reflect your needs?
Our team can help you map out next steps and explore tools like savings accounts, youth accounts, or financial coaching to keep you moving forward.
Let’s Finish the Year Strong
A little fall financial clean-up now can make a big difference later. At Ft. Randall Federal Credit Union, we’re here to support your goals with local guidance, easy-to-use tools, and personal service you can count on.
Stop in or give us a call! We’ll help you wrap up the year feeling confident and in control of your finances.
Let’s make this season less stressful and more intentional. Visit your local branch or explore ftrandallfcu.com/ to get started today!
