Piggy bank in leaves.

The leaves are changing colors, the weather is cooling down and pumpkin spice everything is in stores; that can only mean one thing- the fall holidays are upon us! For many of us, this time of year is our favorite. From Halloween to Thanksgiving to Christmas and New Year's Eve, there are so many opportunities to get together with family and friends, eat great food and celebrate.

However, all of these celebrations can add up quickly and leave you feeling stressed about money. If you're on a tight budget this year, don't worry- we've got you covered. Keep reading for our top tips on how to enjoy the fall holidays without spending a lot of money.

Get creative with your Halloween costume

One of the best things about Halloween is the opportunity to dress up in a creative costume. However, costumes can be expensive, and yet it can be so tempting just to purchase a ready-made costume from a store. Instead of spending money on a new costume, why not get creative and put together a costume using items that you already own?

You might be surprised at how easy it is to come up with a unique and impressive costume using nothing more than a few everyday items. So before you head to the store in search of the perfect costume, take a look around your house first- you might just find everything you need for a great Halloween costume right at your fingertips!

Make your own decorations

Making your own decorations is a great way to save money and have fun at the same time. Ghosts made out of white sheets, jack o' lanterns out of pumpkins and skeletons out of black garbage bags are all easy to make and look great. You can also get creative with your decorations by adding your own personal touches.

For example, you could make a ghost out of an old sheet and add some eyes made out of felt or make a jack o' lantern out of a pumpkin and add a mouth made out of construction paper. The possibilities are endless! So next time you're looking for decorations, think about making your own instead of buying them.

Plan ahead for Thanksgiving dinner

Thanksgiving dinner is a time-honored tradition in many American homes. However, the cost of food can be a major source of stress for those who are hosting the dinner. If you're hosting this holiday season, there are several ways that you can save money on your Thanksgiving feast.

First, take advantage of sales at your local grocery store. Many stores offer significant discounts on turkeys and other holiday staples in the weeks leading up to Thanksgiving. Second, consider making some dishes ahead of time and freezing them until you're ready to eat them. This can help reduce the amount of last-minute cooking that you'll need to do on the day of the dinner.

Finally, remember that there's no need to go overboard with the food. A simple turkey dinner with all the fixings will be just as delicious (and significantly cheaper) than an elaborate spread. By following these tips, you can enjoy a stress-free Thanksgiving dinner without breaking the bank.

Have a potluck Christmas party

If you're looking for a way to celebrate Christmas on a budget, why not have a potluck party? Potluck parties are a great way to enjoy good food and company without breaking the bank. Everyone can bring their favorite dish, and you can focus on spending quality time together instead of spending money on gifts that they may or may not even use.

This potluck party would be full of delicious food and memorable conversations. You can even have a contest for the best dish of the night. So gather your friends and family, dust off your favorite recipe, and get ready for a potluck Christmas party that everyone will enjoy!

Keep New Year's Eve simple

New Year's Eve is often thought of as a night to go all out. But that doesn't mean that it has to be expensive. You can save money by staying in and having a quiet night with your significant other or close friends. You can still have a great time without spending a lot of money!

There are plenty of ways to celebrate the new year without breaking the bank. Make some homemade appetizers, pop some champagne, and dance the night away- all in the comfort of your own home. Plus, you'll avoid the hassle of dealing with crowds and expensive cover charges. So why not save money and keep things simple this New Year's Eve? You're sure to have a blast!


The fall holidays are a great time to get together with family and friends- but they can also be expensive if you're not careful. Use these tips to enjoy the fall holidays without breaking the bank! From getting creative with your Halloween costume to having a potluck Christmas party, there are plenty of ways to celebrate without spending a lot of money. Just relax and enjoy this wonderful time of year!

Holidays can be stressful!

With Rivermark's Holiday and Tax Savings Account, you can save ahead and enjoy stress-free celebrations. Start saving for the holidays today!

Open a Holiday and Tax Savings Account