Fall is here—pumpkin spice, cooler weather, football games, and the start of the holiday season. But along with the fun, it’s also a time when many people find themselves slipping into some frightful financial habits. Before spooky spending creeps up on you, here are a few scary habits to watch out for—and how Texas Health Credit Union (THCU) can help keep your wallet safe.
Habit #1: Swiping Without a Budget
It’s easy to get caught up in seasonal sales, game-day snacks, or fall festivals without realizing how much you’re really spending. Without a budget, small purchases can add up to a big scare when your statement arrives.
How THCU can help: With our online and mobile banking tools, you can track spending in real time and set up account alerts to stay on top of your budget.
Habit #2: Letting High-Interest Debt Haunt You
Carrying balances on high-interest credit cards is one of the scariest financial habits. Interest can snowball quickly, leaving you with less to spend on the things you love.
How THCU can help: Our low-rate loan options, including personal loans and auto refinance, can help you consolidate debt and save money on interest—putting more cash back in your pocket.
Habit #3: Skipping Savings
Between fall activities and prepping for the holidays, saving can slip down the priority list. But skipping savings now can leave you unprepared when unexpected expenses pop up.
How THCU can help: From our basic savings accounts to high-yield investment savings, we make it easy to “treat yourself” to financial peace of mind. Even setting aside a little each paycheck can add up quickly.
Habit #4: Overspending on the Holidays
With the holidays fast approaching, it’s tempting to splurge on gifts, decorations, and celebrations. Without a plan, you may find yourself facing a scary January credit card bill.
How THCU can help: We offer financial counseling and tips to help you plan ahead, plus our Skip-A-Pay program can free up extra cash during the holiday season.
Don’t Let Frightful Finances Haunt You
At THCU, we’re committed to being your partner in financial health year-round. By avoiding these scary spending habits and using the resources we provide, you can enjoy fall festivities and head into the holidays with confidence.
Ready to put your money fears to rest? Contact us today to see how we can help you build healthy financial habits this season.