The next three months—Halloween, Thanksgiving, and the holidays—are basically a budgeting minefield. Even if you’ve been disciplined all year, this season can throw your money game completely off. In Part 3 of our Back-to-School, Back-to-Budget series, I’m giving you a clear strategy to holiday-proof your wallet and make sure your spending reflects your priorities—not panic. We’re talking sinking funds for things you know are coming—gifts, school events, sports travel—and how to build a 3-month forecast that gives you room to breathe and room to celebrate. This episode isn’t about being the holiday Grinch—it’s about putting boundaries in place so you can actually enjoy the season without carrying guilt or a January credit card hangover into the new year. You’ll learn: how to map out your fall spending from Halloween through New Year’s how to budget for all those "surprise-but-not-really" expenses how to shift your mindset from restrictive to intentional. By the end, you’ll walk away with a simple fall money plan, sinking funds set up for what’s ahead, and the confidence to celebrate without sabotaging your financial goals. If you’re a busy professional or parent who dreads the financial chaos of the holidays but still wants to enjoy every bit of it—this one’s for you. And if this episode gives you the holiday money reset you’ve been craving, share it with a friend and make sure you’re subscribed so you don’t miss the final episode in this series: Building Momentum for Year-End Success. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Thank you to our sponsors! Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save. Ava - Help build your credit score with Meetava.com. Use promo code: Money Learn more about your ad choices. Visit megaphone.fm/adchoices
