Frugal Girl Fall 💁

Hot Girl Summer is over, make way for Frugal Girl Fall! I don’t know about y’all, but my summer was eventful, and I ended up spending a little bit more on atypical costs i.e. #girlstrip and celebrations. If you’re in the same boat, you might be experiencing a financial hangover while entering the fall season. 🤒

The end of year holiday season will be here before you know it, so it’s time to get back on track. Here’s a couple ways you can rehab your bank account after a season of lit pool parties, last minute cross-country trips and beachside vacations. 

Say no

Sometimes you need to tell your friends you can’t meet out for drinks or go out to dinner. Not all the time, but sometimes. Fall season is the time to prioritize your needs and slayQ4 goals; spending extra money on social events is probably not your priority at the moment.  Don’t feel bad – Cutting out guilt about your purchases or lack of purchases  is step one toward developing healthy views toward your finances.

Budget for Black Friday Now

Chances are you know the people you want to buy holiday gifts for already, so it doesn’t hurt to make a plan and a budget for the gifts you plan to purchase on Black Friday and beyond. This is the best time to re-budget for the rest of the year and figure out how you can find money to pay off debts or other costs in preparation.

Use technology to pay off debt, save and invest

Apps like Acorns and Digit automatically round your debit card purchases to the next dollar and deposits it into savingsaccount or invests in the stock market (the choice is yours). You can use this money as a rainy day fund or chisel away at debt.  Chika proverb: Those who prioritize their future selves win the finance game. 

It’s open season

Now’s the time to hunt for new healthcare plans that could save you some coin. Take it seriously and do your due diligence. I’m talking in-depth charts, pros and cons lists, asking around, calling everybody, etc. to get what you need. Finding the right health care plan will not only free your budget up for the rest of the year but will also give you peace of mind.  Last time I checked, a peaceful state of mind was top notch on the health care wishlist. 

You got this! Little actions go a long way. If you need to, cut out small, unnecessary costs on top of everything else. If you’re like me and can’t really tell the difference between organic instant coffee vs. starbucks brand…then make it your daily routine to fill that mug with home-boiled hot water and a couple teaspoons of instant roast.  Remember, these money saving tips will improve your financial health for the new season. Think long-term and reap the cash-money benefits. 💪

To more money in our pockets,

Chika