Fall is here! That means sweater weather, college football, and falling leaves are just around the corner. It also means unexpected expenses like school supplies, sports equipment, Halloween candy, and more. As temperatures start to fall, so can your savings balance! Whether you’re building an emergency fund, paying down debt, or looking to save money for the holidays, even the cost of a fall-flavored treat can make a big difference to your finances.
What's the best way to save money this fall?
Skipping your daily pumpkin spice latte may seem like a small sacrifice, but spending up to $7 each day can add up quickly. Over the course of a season, those savings could help fund holiday shopping, build an emergency fund, or move you closer to a larger financial goal. Advia offers savings options designed to help members stay on track while maintaining easy access to their money. And with the My Savings Goals tool in Advia Digital Banking, it’s easier than ever to set a goal, schedule automatic savings transfers, and monitor your progress over time.
If you prefer a more structured way to save, Advia’s certificate accounts (CDs) can help you set aside funds for future goals while encouraging long-term saving habits. For those who want to save consistently over time, accounts like the EZ Saver CD make it simple to start small and continue building momentum. You can open one right from your phone with a minimum opening deposit of just $50.
Another often-overlooked way to maximize your money is through your everyday checking account. Advia’s Advantage Plus Checking account rewards qualifying account activity, helping members earn more from the money they already use for daily spending. By pairing a checking account that works harder with a dedicated savings strategy, even small seasonal spending adjustments can create meaningful financial progress.
How can small daily purchases help you save more?
Do you really need to skip every pumpkin spice latte? Well, one of the most effective ways to save money during the fall is to be intentional about how and where you spend. Instead of focusing on cutting out every seasonal treat, look for opportunities to make your everyday spending work harder for you.
Start by reviewing your monthly purchases and creating a plan for upcoming expenses like holiday travel, gift shopping, and seasonal activities. For planned purchases, an Advia Visa® Platinum Advantage Points Credit Card can help simplify budgeting, build credit history, and provide added purchasing flexibility through the busy fall season. All while earning on everyday purchases like dining, gas, and groceries.
For those unexpected larger purchases that just can’t wait, Advia offers Buy Now, Pay Later (BNPL) options to split your payments into smaller, more manageable increments. We’ll even alert you when a recent debit card purchase qualifies for split payments!1 By spending smarter now, you’ll be prepared for the upcoming holiday season expenses without sacrificing any of that fall magic.
The goal isn’t to eliminate the fun of pumpkin spice season. It’s to make intentional financial choices that allow you to enjoy today’s moments while still preparing for tomorrow. By combining thoughtful spending with the right savings, checking, and spending tools, you can make this season both memorable and financially rewarding. Cheers!
About Advia Credit Union: Our mission is to provide financial advantages to our members. With nearly $4 billion in assets, Advia seeks to provide quick and easy access to money and time-saving financial tools to nearly 200,000 members in Michigan, Wisconsin, and Illinois. Advia's team of over 600 professionals delivers excellent service and innovative products at 34 locations and via digital and mobile platforms. Advia is guided by its core values: driving progress, acting with integrity, building and strengthening relationships, and keeping people at the core. Visit adviacu.org to learn more about how Advia provides Real Advantages for Real People.™
1 Eligibility for the Buy Now, Pay Later program options is subject to qualifying amounts, and existing account relationship(s). Membership account must be in good standing with verifiable deposits. You can only participate in the BNPL program if you receive an offer within Advia’s online banking portal. Must be 18 or older to apply. All offers and rates are subject to change at any time. Advia is an Equal Opportunity Lender.