If summer is a season of spontaneity and indulgence, then fall offers a counterpoint: It’s a chance to get back on schedule, and back on budget.
“Summer, with travel and no school, tends to be a really spendy time. The fall is a nice reset,” says Ashley Feinstein Gerstley, a certified financial planner and author of “The 30-Day Money Cleanse.”
Here’s a step-by-step guide to a fall financial cleanse that could help get your budget on track for the rest of the year:Nate Hoskin, a CFP and financial assistant at Brightside, a provider of financial wellness to employees, says the first step to a fall financial cleanse is to look backward, starting with your New Year’s goals. He suggests checking on progress toward resolutions set in January so you can make any needed adjustments.
“I always think the first step is a zero-based budget,” she says, which means every dollar is accounted for, including money set aside for savings and any“It forces you to confront spending decisions and to get really clear about financial priorities,” she says, because you comb through every little bit of spending.Lapato likes to start each day with a quick check of her own budget.
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