Smart Spending for Fall: Holiday Budgeting, Sinking Funds, and Stress-Free Money Moves - Back-to-School, Back-to-Budget Mini-Series (Part 3 of 4)

Everyone's Talkin' Money

Shari Rash

Self-improvement, Business, Health & Fitness, Mental Health, Education

4.2 • 648 Ratings

🗓️ 16 September 2025

⏱️ 39 minutes

🔗️ Recording | iTunes | RSS

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Summary

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

Transcript

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0:00.0	Hey Jack, I'm seeing your business everywhere. Have you got a new marketing person or something?
0:04.8	You could say I've got a new secret weapon for print. Print? Oh, Vista print, right? That's not a secret.
0:10.8	How did you know? Come on. Custom posters, branded mugs, stylish flyers. Only one place prints all that. Vista print.
0:17.7	Yeah, I got business cards, stickers, t-shirts, booklets, signage, even photo books from my last holiday.
0:23.2	Print everything for your business with VistaPrint. If you need it, we print it at vistoprint.com.uk.
0:29.9	You're listening to Everyone's Talking Money. Podcast that's all about making life richer, from your bank account to your mindset and everything in
0:38.6	between. I'm your host, Shari Rash, and this September, we're doing something special,
0:44.3	our back-to-school, back-to-budget series. Just like the kids are getting back into routines,
0:49.7	it's time for us to reset our money routines too. Over the next four episodes, I'll help you shake off
0:57.0	the summer spending hangover, get your budget back in shape, and set yourself up for a strong finish
1:03.1	to the year. Today, we're diving into part three of our Back to School Back to Budget series. Let's get
1:09.9	into it.
1:27.1	Today we need to talk about something that might be keeping you up at night, because here's the truth nobody wants to say out
1:29.0	loud. The next three months can absolutely demolish even the best budget. I'm talking about the
1:36.9	triple threat that hits every single year like clockwork, but somehow we're still surprised about it.
1:44.1	Halloween costumes and candy.
1:46.5	Thanksgiving travel and all those target runs for just one more thing.
1:50.9	And then the big finale,
1:52.9	the holiday season with gifts,
1:54.9	parties, decorations,
1:56.8	and that January credit card statement
1:58.9	that makes you want to hide under a blanket.
	...

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