It’s National Financial Planning Month — here’s how to reset your budget, prep for the holidays, and step into the new year with purpose.
🍂 October: A Fresh Start for Your Finances
October is National Financial Planning Month — and it’s perfectly timed. With the holidays approaching, the year winding down, and a new one just around the corner, now is your chance to pause, reflect, and make a simple, purpose-driven plan for your money.
You don’t have to wait until January 1st to “get your life together.” October is your head start. It’s your financial reset — a moment to create a plan that brings peace, not pressure.
🧭 1. Why October Just Works for Financial Planning
There’s something about this season. The weather cools, routines settle in, and we begin to think about Thanksgiving, Christmas, and the end of the year. It’s a natural time to check in with yourself and your money:
- Are your current habits working?
- Is your budget still aligned with your goals?
- Can you afford to go into the holidays unprepared?
Taking even 30 minutes to review your finances now can help you avoid the holiday credit card trap later.
As the saying goes:
“The best time to plan was yesterday. The second-best time is now.”
💵 2. Financial Planning Isn’t Just for the Wealthy
When people hear “financial planning,” they often picture spreadsheets, investment portfolios, or fancy advisors. But real financial planning — the kind that brings peace and direction — is for everyone.
It’s simply the act of telling your money where to go… instead of wondering where it went.
Here are a few of my favorite tools:
- EveryDollar – a clean, zero-based budgeting app
- Rocket Money – great for tracking subscriptions and spending leaks
- Peace Budget Toolkit – a printable system I designed to help you create margin and purpose with your money
You don’t need perfection. You need a plan that works for you.
✍️ 3. How to Start a Financial Plan in October (the Easy Way)
Let’s keep it simple. Whether you’re building a brand-new budget or just revisiting an old one, here’s how to start:
1. Review your current numbers.
Look at your last 30–60 days of spending. What surprised you?
2. Choose one short-term goal.
Pick one thing to work toward before the year ends. Pay off a small debt? Save $300 for Christmas?
3. Plan for upcoming holiday expenses.
Now is the time to start setting aside cash — not after Black Friday!
4. Pick one priority: debt or savings.
Every dollar you save or pay off now creates peace in January.
5. Put it in writing.
A plan in your head is a wish. A plan on paper creates real change.
📥 [Download the Free “October Money Reset” Worksheet Here]
(link coming soon!)
🌱 4. Planning Ahead = Peace of Mind
A good financial plan isn’t just about numbers — it’s about values. It’s about creating a life that reflects what matters to you, not what’s trending online.
This season, challenge yourself to:
- Spend less time comparing, and more time aligning
- Choose peace over pressure
- Let your money reflect your purpose
We’ll talk more about 2026 goals and future planning later this year — but right now, your next best step is the one right in front of you.
💬 Ready to Reset?
Whether you’re dreaming big or just trying to make it through the holidays without debt, October is the perfect time to start. You don’t have to overhaul your life — just take one small, simple step.
👉 [Download the Free “October Money Reset” Worksheet]
👉 [Want help? Book a free 15-minute Money Clarity Call]
👉 [Explore the Peace Budget Toolkit]
Your money deserves a plan. And your future self will thank you for it.
