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October Budget Toolkit
09/26/25 - Friday
Hey everyone, Jen here!
Fall is in full swing 🍂 pumpkins on porches, cozy soups on the stove, and my 13.1-mile run at Disney World sneaking up fast.
This month’s toolkit is here to help you stay ahead, save smart, and find space for the things you love.
💸 For everything that didn’t make our list
We cover what we can but there are definitely sales and expenses we miss. That’s why we use Brad’s Deals!
Brad’s Deals finds the best prices across the web on whatever you need and brings them straight to you so you can save money without the hunt.
📅 What to Include in October’s Spending Plan
🎃 Halloween costumes, candy, and decorations (and subscribe to our YouTube channel so you don’t miss our ‘Deinfluencing Halloween’ episode that comes out next Friday!)
🍂 Fall festivals, pumpkin patches, and seasonal activities: don’t forget to include food and parking expenses for free events.
🦃 Early Thanksgiving travel or hosting prep
🛍️ Holiday gifts & Black Friday sinking fund
🛒 What’s on Sale in October
Camping gear & grills (end of season clearance)
Outdoor furniture & lawn care tools
Appliances big discounts ahead of holiday models
Denim, boots, and fall clothing
💳 October’s Big Money Move: Check Your Credit Report
With the holidays coming, it’s the perfect time to get a clear picture of your credit health. You’re entitled to a free credit report from each of the three bureaus every year.
Grab yours now so you can dispute errors and plan smarter. Start at AnnualCreditReport.com 👈
Want to learn more about credit? Check out these episodes:
How Your Credit Score Saves You Money (& Tips to Improve It) (Ep. 335) Why your credit score matters more than you think, how to check your reports, and practical tips to raise your score.
Demystifying the Credit Score (Ep. 160) Breaks down what actually makes up your score so you can understand it without the stress or confusion.
🚀 Join October’s Holiday Hustle Challenge
Earn extra cash before the holidays hit! The Holiday Hustle Challenge is all about boosting your income in simple, flexible ways, whether that’s side gigs, selling clutter, or cash-back apps. Your January budget will thank you.
🌸 More for Mom’s Virtual Summit | Oct. 6–10
Busy moms, this one’s for you. The More for Mom’s Summit is a week of practical sessions designed to help you find more fulfillment, more balance, and more joy so you can better show up in your daily life.
What to Cook? 👩🏻🍳
Pumpkin chili (hearty, seasonal, and budget-friendly)
Roasted butternut squash soup
Apple crisp for dessert (Bonus: makes your kitchen smell amazing)
This Week on Frugal Friends Podcast
Did you catch Tuesday’s episode? We divulged 7 Overhyped Frugal Living Habits That Make You Look CHEAP!
Today, we’re looking at The 5 Levels of Wealth in America: Which One Are You & How to Move Up From Any.
Do you like to host people or absolutely dread it? What’s the worst thing about hosting? |
**Means this is a sponsored or affiliate section. We may earn a small fee or commission when you choose to try one of our sponsor or affiliate partners. But opinions are still 1000% our own.