Feeling that late-summer bank account hangover? In Part 2 of my Back-to-School, Back-to-Budget mini-series, we run a Fall Financial Checkup—so you stop flying blind and start making confident money moves before holiday spending hits.
I walk you through a 30-minute cash-flow audit, a ruthless subscription/money-leak review, and a realistic September budget using either the 50/30/20 rule or my BFF Budget (Budgeting Financial Friend).
We’ll firm up your emergency fund, set sinking funds for predictable costs (gifts, travel, winter gear, annual bills), and choose a debt payoff strategy (snowball vs avalanche) you can actually stick with.
You’ll learn:
- How to calculate true cash flow (not just salary) and spot hidden spending
- A 15-minute subscription audit to kill money leaks fast
- The difference between needs, wants, and “future you” (savings/debt)
- How to build sinking funds to holiday-proof your budget
- Debt snowball vs avalanche: which to use and when
- The weekly money check-in ritual that keeps you out of panic mode
Perfect for: anyone craving a September budget reset, prepping for holiday spending, or ready to ditch autopilot and build an intentional fall budgeting routine.
Share this with a friend who needs a money cleanup, follow us on Instagram @everyonestalkinmoney for more tips and subscribe so you don’t miss Part 3: Smart Spending for a Busy Season.
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