651 Financial tips and laws for today and tomorrow

Here are the best tips to help you bounce back after overspending on Halloween.

Tip 1: Halt unnecessary expenses

First, make a list of your necessary expenses and cut down on the unnecessary purchases until you recover. Give it a week or two.

Tip 2: Reset your budget

Adjust the budget for November to reflect reality, including planning smaller spending categories.

Tip 3: Pay down high-interest debt

Pay off your credit card balances as fast as possible, either with the avalanche or snowball method.

Tip 4: Rebuild your emergency fund

Restart with small automatic weekly transfers that establish a safety cushion.

Tip 5: Control impulse triggers

Unlink saved cards, turn off one-click checkout, and use a 24-hour rule before any new purchases.

Tip 6: Sell or repurpose leftovers

List costumes or décor that won't be reused and sell them to get back some cash.

Tip 7: Track spending automatically

Set up notifications or use budgeting apps to track how much is remaining per week.