How to Have a Frugal Fall
When the leaves start changing colors and pumpkin spice is everywhere, you know fall is here.
As temperatures drop and sweater weather gets into full swing, you know the holidays aren't too far behind. Before you start panicking about how you'll afford everything on your loved ones wish lists, consider these five ways to have a frugal fall.
1. Watch for Fall Sales
Although back-to-school and Black Friday sales get most of the attention, there are other great times to shop during the fall. To avoid that December 23rd panic shop, it's a good idea to start thinking about holiday shopping early. With fall sales, you can get a head start on crossing names off your gift list. Lisa Koivu recommends shopping the week before and after Halloween to snag some deals. You may also want to pay attention to sales on Veterans Day, Small Business Saturday, and Cyber Monday.
2. Cook With Seasonal Produce
If you want to save for the holidays, cut the number of meals eaten out and cook at home. Fall is the perfect time to cook with seasonal produce (which tends to be more affordable) such as acorn squash or mushrooms. Check out a list of seasonal vegetables and fruits that you can find during autumn, and get creative! To save even more money, search for free recipes online and look for ones that require ingredients already in your fridge. You could try getting started with these delicious squash bowls!
3. Max Out Your Flexible Spending Accounts
If you have flexible spending accounts, fall is the perfect time to start maxing them out. It's better to start doing this early because the holidays can get busy and make it difficult to remember. There are several types of flexible spending accounts (FSAs), such as health care or dependent care FSAs. These accounts allow you to put aside a certain amount of money to cover costs like copayments or prescription medications. However, you must use the money before the end of the year or you lose it, so fall is a great time to take advantage of FSAs.
4. Make Your Home Ready for Winter
Don't wait until the temperature falls below zero to start caulking drafty windows, start getting your home ready for the winter now. Check your insulation, doors, and windows, so that you can seal cracks and drafts. Give your furnace a tune-up by starting with an inspection and a clean. Another important task autumn task is to reverse ceiling fans, so they run clockwise and push the heated air down.
5. Clean Out the Closets
Consider cleaning out your closets in the fall. It's good preparation for rotating in your winter wardrobe, and it will give you a chance to see what you have, and what you still might need. You'll likely discover some clothes that you can donate, trade, or sell. Look for local clothing swaps or put items up for sale on eBay to make a little extra cash.
When you think of fall, you may start dreaming about caramel apples and leftover Halloween candy, but it's also the perfect season to start living frugally before holiday spending starts.
- 20 Frugal Living Tips to Try in 2018 | The Wallet Moth ›
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- 30 Fast Tips for a More Frugal Life | HuffPost Life ›
- Frugal Living Tips: The Cheap Way to Live a Rich Life ›
- Be Frugal: 56 Easy Tips to Save Money | Reader's Digest ›
- 10 Frugal Ways to Save This Fall | Personal Finance | US News ›
Every time payday rolls around, I’m on top of the world. Jeff Bezos-level rich - even though I’m anything but. And then somehow the very next day, rent is due.
The cycle continues. The next payday, bills for my apartment. I find myself without a surplus of savings since I just moved and newly-furnished my apartment completely.
Even more terrifying is the looming presence of the holiday season. Halloween’s officially over and before we know it, hello Thanksgiving…and then there’s Hanukkah, Christmas, New Year’s. It’s insane.
I’ve been feeling very British lately. Not in a Union-Jack-obsessed, “Keep Calm and Carry-On” way. I went through that phase in 2012 with everyone else… no thank you. And it’s not even a surge of patriotism catalyzed by the Queen dying — I’m firmly team Diana and team Meghan.
Now that fall is officially here, the holidays will sweep in and I’ll have to contend with the fact that I won’t be spending them with my family in the UK. I went home to London earlier this year, so there’s not much left in my travel budget for another trip across the pond. A few domestic jaunts might be in my future, but the closest I’ll get to England this winter is watching Love Island and Love, Actually.
So in that spirit, I’ve been filling my days with content from my favorite Brits. I’m listening to all the old British rock bands I grew up listening to, patiently awaiting the new Arctic Monkeys album, and rewatching anything with Michaela Coel in it. I even shipped myself an order of British Baked Beans, so you know it’s dire.
I’ve also been watching British YouTubers like Grace Beverley — my favorite. Generally, I only go on YouTube to watch Vogue Beauty Secrets and AD Open Door videos. But I’m so glad I stumbled on Grace. Her content is a mix of London lifestyle (what lured me in), relatable entrepreneurship, and mindful productivity. I’m not a hustle-and-grind-girlboss, but as a creative person in a 9-to-5, I need all the help I can get to stay plugged in. So, the video “how to be really really really productive without getting overwhelmed” changed my approach to WFH.
Grace outlines her own productivity method: the to-do table. Instead of making a simple to-do list, she divides her tasks into a table that anyone can follow. As someone who’s survived with to-do lists for years, I recently implemented Grace’s method, and it’s revolutionized my workdays.
how to be really really really productive without getting overwhelmedwww.youtube.com
I follow her routine to a tee. Here’s how it works:
Essentially, she divides her daily responsibilities into four categories: quick ticks, tasks, projects, and non-negotiables.
- Quick Ticks: Actions that take less than 5-minutes
- Tasks: To-do’s that take up to 30-minutes. Probably don’t take too much brain energy.
- Projects: Long-term list items. These help guide your priorities, even if you’re not crossing them off in one day.
- Non-negotiables: Pick 3 things each day that you must get done. This is how you’ll truly measure success.
With everything written down and sorted, next address your schedule. Meetings, deadlines, and time blocks — whatever works best for you. Write it down. Then make a pact with yourself to stick to them.
This way of categorization provides a roadmap for prioritizing your day — making you far more productive. Have you ever spent the entire day on small tasks and then suddenly realized you hadn’t moved the needle on any task? Or do you spend way too much time on tasks that aren’t a priority? No more. With your non-negotiables laid out, you know what to laser-focus on and what to dedicate energy towards.
Also, it pays to know your working style. I’m not a morning person. Yet, I have to be up and at ‘em super early. So, first thing in the morning, I march through my Quick Ticks to warm me up. I set a time limit, so I can knock out some easy wins which is totally inspiring. Then I move on to bigger things without lingering on emails or admin. For others, it might be more helpful to tackle the big things with all that early-in-the-day brain power earlier.
Grace has great tips on avoiding overwhelm and burnout. My favorite is taking more intentional breaks rather than scrolling through social media. I call this scrolling “productive” because I’m “coming up with pitches.” Oh, the lies we tell ourselves. It’s more productive in the long run to giving my brain a break with non-screen related stimuli.
Grace’s solution? Set a timer to read a real, an actual book. I’ve never thought of this. It’s a genius way to check off some books on my TBR and kickstart my creativity. After reading a good book, I’m completely inspired to write. So having books near my desk helps me step away from the computer during my lunch break for an actual reset. (And yes, the current books I’m reading are by British authors: Assembly by Natasha Brown, and Love in Color: Mythical Tales from Around the World, Retold by Bolu Babalolu.)
In my pursuit of switching out my WFH set-up and getting my life together, I’ve engineered my workstation for success. With my new WFH essentials and Grace’s productivity technique, I’m revitalized for work — despite the fall blues and my melancholy about the pending holidays.
Here are the things getting me hyped for work and helping me crush my Grace Beverley-inspired to-do tables — no lists in sight:
Pack your bags — Southwest Airlines is having a major sale! Fares are as low as $59 one-way if you book by October 3rd.
This end-of-summer super sale is a game-changer for your travel plans through the end of the year. Summertime travel gets all the glory. But why not take advantage of your long weekends, holidays, and PTO this fall. You’ll be surprised at how much travel you can fit in. Keep the fall/winter season exciting with domestic trips that give you all the excitement without breaking the bank. All thanks to Southwest.
Here’s the breakdown:
Where can you go?
You’ll find discounted tickets to and from most airports. Sale fares apply to cross country travel, and even Hawaii, Mexico, and the Caribbean! Whether you’re visiting a new city or revisiting your last beach vacation, this sale has fares to make your travel dreams come true.
What do the fares cover?
Southwest Airlines has multiple fare tiers, each with various benefits. Wanna Get Away fares start at $59, while Wanna Get Away Plus fares start at $89. You can also find great deals on Anytime fares, which offer priority boarding and express lanes. Then there’s Business Select tickets for a luxe experience at an affordable price point.
Do you have to be a Southwest Rapid Rewards member?
You may think these sale fares are too good to be true. Is there a catch? Do you have to be a Southwest Rapid Rewards member to access them? You’re in luck — anyone can attain these fares for a limited time.
But, insider tip, you should consider signing up for Southwest Rapid Rewards. With a free sign up, you earn points and miles with each trip you take. And with this sale, each dollar you spend on these discounted tix can stretch super far until you eventually earn free travel. The only thing better than a sale is free stuff.
I’ve been browsing the Southwest Airlines site, checking out flights and dreaming.