Get Ahead of Fall’s Biggest Expenses: Your September & October Spending Game Plan

September and October may still feel far away, but they’re two of the busiest — and spendiest — months for the average household. Between Halloween, early holiday shopping, travel planning, and home maintenance, costs can stack up fast. The good news? Planning now can help you spread out expenses, take advantage of pre-season deals, and avoid budget stress later.

Here’s your game plan to get ahead:

🎃 Plan Halloween Early

Whether you’re decking out the house or helping the kids choose costumes, starting early saves money and headaches.

  • Shop now for candy — prices usually jump in October.

  • DIY costumes or reuse past favorites with a creative twist.

  • Repurpose decorations from previous years and supplement with a few new, budget-friendly finds.

🎁 Start Your Holiday Shopping Now

Buying a few gifts each paycheck between now and December can help you avoid the “everything all at once” crunch.

  • Look for Labor Day weekend sales for electronics, small appliances, and clothing.

  • Keep a running gift list so you don’t overspend or duplicate purchases.

  • Use rewards points or cashback offers from your credit or debit card to stretch your budget.

✈️ Book Holiday Travel Before Prices Spike

Flights and hotels for Thanksgiving and Christmas only get more expensive from here.

  • Book now to lock in better rates.

  • Consider midweek travel days to save.

  • If driving, plan for vehicle maintenance before your trip.

🏡 Texas-Ready Home Maintenance Tips

Even though fall in Texas often feels like “summer with pumpkin spice,” prepping your home now can help you avoid costly repairs later.

  • HVAC Check-Up: Schedule a quick tune-up before the first cold snap.

  • Roof & Gutter Inspection: Summer storms and hail can cause hidden damage.

  • Tree Trimming: Prevent falling branches during storms.

  • Pest Prevention: Seal gaps before critters start looking for warmth indoors.

  • Weatherproofing: Add door sweeps, caulk windows, and insulate pipes — because yes, surprise freezes can happen here.

💡 Your Credit Union Can Help

We’re here to make the season easier on your wallet:

  • Low-Rate Credit Card: Perfect for spreading out big purchases at 0.00% intro APR*.

  • Rewards Credit Card: Earn points for rewards such as cash back, travel, or merchandise.

  • Personal Loans: Cover travel or home repairs with a fixed, predictable payment.

  • Holiday Savings Accounts: Start now, and by next year you’ll be ahead of the game.

A little preparation now means more peace of mind later. Let’s help you do life — and do fall — with confidence.

*APR=Annual Percentage Rate

General Info, Spending Plan, AdviceShelley Carlson1st University Credit UnionHalloween, Fall Spending Plan, Fall, Coostumes, Christmas, Christmas Shopping, Labor Day, Home Maintenance, Summer with pumpkin spice, pumpkin spice, weatherproofing, Holiday Savings, Personal Loan, Credit Card, budget, Helping You Do Life, Life Hack, Financial Tips