The leaves aren’t the only thing that could use a little cleanup this season—your finances might be ready for a good raking, too! As pumpkin spice everything makes its annual comeback, it’s the perfect time to tidy up your money habits before the holiday rush blows in.

1. Declutter Your Budget
   Just like your closet, your budget can get messy over time. Take a fresh look at what you’re spending each month—those random subscriptions, food delivery splurges, or the “just one coffee” habit that somehow turned into three. Trim the excess and keep only what sparks financial joy.
2. Harvest Extra Cash
   If your summer spending got a little wild, fall’s your chance to bounce back. Sell unused items online, cash in rewards points, or pick up a short-term side gig to pile up a little extra green (and we don’t mean leaves).
3. Prep for the Holiday Rush
   Before the season of shopping, travel, and turkey sneaks up, give your finances a head start. Set reminders for big upcoming expenses, plan early gift lists, and look for member deals or cashback opportunities to make your budget stretch further.
4. Give Your Debt a Fall Makeover
   Think of debt like weeds in your financial garden—tackle it before it takes over. Consider consolidating high-interest balances or switching to a lower-rate personal loan to rake in long-term savings.
5. Plant the Seeds for Holiday Success
   The holidays will be here faster than you can say “pumpkin pie.” Start setting aside a little each week so you don’t have to rely on credit cards come December. Future You will be so thankful.

A little fall cleanup can go a long way. By decluttering, saving, and prepping now, you’ll set yourself up for a stress-free holiday season—and maybe even have a few extra bucks for something sweet (pumpkin crunch, anyone?).