4 Financial Tips for Fall

Fall means dreams of pumpkin spice lattes, turkey dinners and a cozy holiday season just around the corner. Here are four ways to make sure you're financially well-equipped for the last stretch of the year.

1. Winterize your home: Save energy, save cash As temperatures drop, home heating bills rise. But properly sealing and insulating a house can save an average of about 11% a year on energy costs, according to the Environmental Protection Agency. Keep your expenses to a minimum by sealing gaps and cracks in windows and doors with weatherstripping or caulk. Clean and inspect your furnace to ensure it's running as efficiently as possible. Also consider increasing your insulation. Though your wallet will take a hit for the season, you'll probably get more than your money's worth in a few years.

2. Start your holiday gift hunt We all know that the sale to beat all sales — Black Friday — comes on the heels of Thanksgiving. But don't forget about the little guys: Labor Day, Columbus Day and Veterans Day usually mean smaller but still significant discounts. As the year winds toward its close, expect sales on appliances, cookware, clothing and electronics. Beat the winter rush and get started on your holiday shopping.

3. Traveling in December? Book your trip now If you're flying for the holidays, now is the time to book if you haven't already. Follow your favorite airlines on Twitter or Facebook, or sign up for their email announcements for deals. This is also a great time to cash in your travel credit card miles, especially if your earned perks are due to expire at the end of the year.

4. Check your flexible spending account balance If you've been putting money aside in a health care flexible spending account, or FSA, make sure you spend it before your money effectively disappears at year's end. Book yourself a dentist or eye appointment, or get an annual physical. And check with your company to see whether there's any wiggle room. Your employer might allow you to roll over up to $500 to the next year or give you a few months' grace period. With a little planning in the fall, you can save enough money to get through the long (and often pricey) holiday season that's just ahead.

© Copyright 2016 NerdWallet, Inc. All Rights Reserved

Rate this blog entry:

Related Posts

2018 Holiday Hours


New Year's Day
Monday, January 1st
All locations closed.


Martin Luther King Jr Day
Monday, January 15th
All locations closed.


Presidents' Day
Monday, February 19th
All locations closed.


Good Friday
Friday, March 30th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Memorial Day
Monday, May 28th
All locations closed.


Independence Day
Wednesday, July 4th
All locations closed.


Labor Day
Monday, September 3rd
All locations closed.


Columbus Day
Monday, October 8th
All locations closed.


Veterans Day
Monday, November 12th
All locations closed


Thanksgiving Day
Thursday, November 22nd
All locations closed.


Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Christmas Eve
Monday, December 24th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Christmas Day
Tuesday, December 25th
All locations closed.


New Year's Eve
Monday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


New Years Day
Tuesday, January 1st
All locations closed