Fall in love with financial wellness!

Can you feel it? That crispness in the air means fall is just around the corner. Ah, autumn...the season of cozy sweaters, pumpkin-flavored everything, and a great opportunity to review your finances!

This fall, we want to celebrate our 90^th anniversary by doing what we do best: helping members strengthen their financial well-being. Read on for nine hygge-approved tips on how to make your fall budget-friendly!

Shop at your local farmer’s market
Farmers markets give you the ultimate “shop local” cred! But buying from local vendors can be pricey. Here are some tips to shop smart at the farmers market.
- Do a lap (or two) first. That way you can scope out prices before you impulse buy something too expensive for your budget.
- Ask the vendor if they have bulk or discounted items. Often, folks will have “ugly” produce or a deal on bulk items.
- Buy in-season. Yes, local markets can carry off-season produce, too. In-season will not only be less expensive, but also fresher!
- Use SNAP/EBT benefits if you can. Most farmers markets let you exchange your SNAP for tokens, and according to the New Mexico Farmers' Marketing Association, you can double your SNAP for fresh fruits and produce at markets. The Double Up Food Bucks (DUFB) program that matches your fruit and vegetable purchases dollar for dollar. If you have a SNAP card, you are automatically eligible for this program. Check out this site to see which markets participate in DUFB: Double Up Food Bucks New Mexico
DIY your fall decor
Tap into your creativity to craft cute and fun fall décor.
- Borrow materials from mother nature. Dried leaves, acorns, twigs, and pinecones can be gathered and attractively arranged in your home for instant coziness.
- Shop your home. Can you swap out textiles or plaid scarves to drape across your couch or mantel? Comb through your dishes with a critical eye and see if there are wooden bowls or other dishware that could double as table decor.
- Hit your local thrift store. Usually, second-hand shops have a wide assortment of seasonal goods, from candlesticks to garlands, and more.
Save for the holidays now
The is a specialized savings account designed to help you set aside money for holiday expenses through automatic paycheck deposits. The Holiday Club Account automatically matures on October 31, just in time for the holiday shopping season. And it requires just $5 to get started.
Take local trips to see the fall foliage
Plan your next trip close to home. Staycations and local day trips are a great way to trim your budget. Many state parks are either free or low-cost to visit. Or, stay in the car and enjoy your own scenic byways.
Find Halloween costumes on a budget
Create a fantastic Halloween costume without spending a lot.
- Hit up your local thrift store.
- Shop your own closet.
- If you have the skill, sew your own costume!
Batch cook soups and chilis
With the cooler temperatures, we all start to crave warm dishes. Luckily, making soups and chilis is comfort food for your belly and your budget! Low-cost ingredients and single-source cooking (think Crock Pot or stove-top) make batch cooking a smart way to save money.
Trim your energy bills
- Seal and insulate your home.
- Call your local energy provider to see if you can pay a set amount every month (instead of having spikes of cost in winter).
- Utilize our strong sunshine by opening your blinds or curtains to naturally heat your home.
Make a library run
Yes, your local library is still a great resource! Save money on books, media, and e- books by checking them out from your library. Many libraries also rent other items, from baking tins to gardening tools. Just ask your local librarian. Additionally, libraries often offer free or reduced cost streaming services (such as Kanopy). Bonus: reading is a free activity for the whole family!
Host a potluck
The shared cost of food for a potluck is inherently budget-friendly. You end up getting a lot of food for a small commitment. Plus, it’s always great to bring people together to warm up your soul!