If summer was a season of splurging, fall is your chance to get back on budget! 🍂 We’re sharing practical tips to save money, lower your bills, and boost your income ahead of fall. Whether you're starting to prep for the holidays or simply improving your financial health, these strategies will help you make the most of your money.

Save on everyday items

There are plenty of ways to save on the things you buy every day. From cashback rewards to discount gift cards, you can keep more money in your pocket while still getting the stuff you need. Check out these tips to make your spending work for you. 💰

• Take advantage of cashback- There are countless ways to earn rewards on your everyday purchases. If you haven’t already, upgrade to Step Black for free with a qualifying direct deposit⌑ and start earning unlimited cashback on every purchase. But don’t stop there! Use Rakuten for extra cashback on online shopping and Upside for bonus savings on everyday essentials, like gas and groceries.

• Shop for discount gift cards - Use platforms like GCX or Gift Card Granny to buy discounted gift cards at your favorite retailers. This is a great way to save instantly on items you were planning to purchase anyway.

• Join loyalty programs - If you’re not already signed up for your favorite coffee shop or fast food loyalty program, you’re missing out! Membership is usually free and gives you access to perks like free drinks, exclusive deals, and special promotions. Don’t miss out on these easy wins!

• DIY gift planning - Before the holidays sneak up on you, plan out your gift list and budget for each person. DIY presents like baked goods, crafts, or personalized items can be thoughtful and budget-friendly. Your future self will thank you!

• Fall wardrobe thrifting - Thrift stores are gold mines for fall and winter fashion. You can score gently used jackets, sweaters, and boots at a fraction of the cost of new items. If there aren’t any good thrift stores near you, don’t worry—check out Poshmark or Depop for stylish finds that won’t break the bank!

Lower your bills

Ready to cut down on your expenses? 💳 It’s time to tackle those regular bills and find ways to save. From negotiating better rates to checking your insurance policies and opting for annual payments, there are plenty of strategies to reduce your monthly costs.

• Negotiate bills, or switch providers - Don't be afraid to ask for better rates on your regular bills. Call your cell phone, TV, and internet providers to ask about current promotions or discounts. Have competitor offers on hand and mention them to get the best deal possible.

• Insurance check-in - Don’t let yourself overpay for insurance! Take a moment to review your current policies—auto, home, and life—and compare rates to find better deals. Bundling multiple policies with one provider can also unlock extra discounts and save you more.

• Pay annually instead of monthly - Some services, such as insurance or gym memberships, offer discounts if you pay annually instead of monthly. Though it means paying upfront, you’ll save money in the long run. It’s a smart way to get those expenses out of the way and keep more cash in your pocket!

Earn extra cash

Fall is the perfect time to declutter and make some extra money. Check out the best platforms for selling everything from electronics to fashion, and even cash in on unused gift cards. 🛍 Explore these opportunities and start making extra money today.

• Sell unused items - Here’s a guide to the best sites for selling items that you no longer need or want:

1. eBay: Ideal for electronics, collectibles, clothing, and household items. Find buyers for just about anything.

2. Facebook Marketplace: Great for local sales of furniture, electronics, and home goods. Connect with people in your local community.

3. Poshmark: Perfect for swapping fashion, accessories, shoes, and brand-name clothing.

4. OfferUp: Best for local sales of electronics, furniture, and home goods. It’s designed for your neighborhood.

5. Depop: The go-to for trendy and vintage fashion, streetwear, and accessories. Tap into a fashion-forward crowd looking for unique finds.

• Pet sitting or dog walking - For the animal lovers out there, platforms like Rover or Wag! allow you to sign up as a pet sitter or dog walker. This is a great way to earn cash if you love animals and have free time during the day – especially before the weather gets too cold.

• Sell unused gift cards - Got gift cards stashed away that you’re never going to use? Don’t let them gather dust! Instead, turn them into cash by selling them on platforms like Cardpool or Raise. These sites allow you to exchange your unused gift cards for money, which can be a great way to boost your budget.

You've now got a toolbox of strategies to take control of your finances this fall. Whether you're cutting costs or boosting income, each action you take is a step towards financial empowerment. Embrace this season of change and watch your savings grow!