As the leaves begin to change and the countdown to Halloween begins, there is no doubt that fall is here. The change in the seasons also brings different expenses you’ll have to account for when budgeting during the fall months.
Alpine Bank wants to make sure you’re financially prepared for the coming months, so let’s take a look at some expenses you and your family could be facing in the next couple of months.
Heating- Farmer’s Almanac and other forecasts are predicting that we will be pulling out our snow shovels a little earlier than usual this year. This means you will also be relying on your furnace more. A thorough maintenance examination by a technician is a good place to start, and changing out the filter each month will help air flow efficiently so you spend less on heating.
Electricity- As the days grow dark earlier, you’ll be flipping on light switches and lamps earlier in the evening. Be smart about what lights you have on and off, and create a plan for keeping unused appliances unplugged to help with energy savings.
Warmer clothing- When you’re out shopping for pants, sweatshirts and jackets, try retailers that routinely mark down prices and have sales. Many companies now have apps and websites that make it easy to compare and find the best price.
Food- If we face the predicted severe fall and winter, you could see rising food prices at the grocery store. This calls for a shopping list filled with items that can easily be made into casseroles or crock pot recipes that can feed your family for more than one meal. Again, you may need to comparison shop at different stores for the best deals.
Through smart budgeting and careful planning of how your heating and electricity are used, you can make it through the fall with relatively little change in your expenses. If you need help with your finances or have additional questions, Alpine Bank would be glad to help!