✨ The fall financial glow-up.
Yes, IT IS a thing, and yes, it’s worth doing now, before the holidays take over and 2026 sneaks up.
Let’s talk mindset shifts, seasonal checklists, routines that actually stick, and how to walk into the new year with your finances feeling organized, and intentional 🌶️
🎧 Podcast Episode 2 Recap: Financial Glow Up this Fall
🍁 Why Fall is the Perfect Reset
Fall is cozy, refreshing, and motivating — and it always feels like a “fresh start” season. For me, it still brings back that back-to-school energy, which is exactly why it’s the best time to reset your finances, revamp your systems, and step into the new year strong.
🔑 The 4 Pillars of a Financial Glow Up
Here’s what we’re covering today:
The mindset you need to set yourself up
The ultimate fall financial checklist
A routine to keep you consistent
A solid plan to bring it all together
🧠 1. The Money Mindset Rules
Mindset is where it all starts. Here are my 5 glow-up rules:
No extreme restrictions. Adjust gradually, don’t cut cold turkey.
Track your money. Every dollar needs a job — start with a budgeting template.
Own your current situation. No blame, no shame. Start fresh today.
Set clear, tangible goals. Numbers keep you accountable.
Consistency > perfection. Money rewards the consistent more than the intense.
✅ 2. The Fall Financial Glow Up Checklist
Here’s your 8-step action plan:
Write down every account, balance, rate, and payment.
Create your debt repayment plan (Avalanche vs Snowball).
Review your budget categories + adjust for Fall (school, Halloween, Thanksgiving).
… 🤯😳😱🤗 Find out the rest of the checklist at 07:33 😝
📅 3. Building Your Fall Money Routine
Beginners: Set one money date per month (e.g. first Saturday of the month).
Proactive: Do two per month (start + mid-month).
Lock these into your calendar now so you don’t “forget.” Treat it like a non-negotiable appointment with yourself.
🗂️ 4. Your Solid Plan
By the end of Fall, you will have a plan that looks like this:
A budgeting spreadsheet that tracks everything (If you need a budgeting spreadsheet, check out the one I built!)
Spending category budgets set and adjusted
Debt repayment and savings strategy in place
Monthly (or bi-monthly) check-ins scheduled
Stick with this plan consistently for the next 3–4 months, and you’ll walk into 2026 feeling unstoppable.
📖 What I’m Reading This Week to Keep My Brain Sharp (Finance-ish Edition)
Now that I’m not in school anymore… I feel like I don’t read as much anymore. To keep my mind sharper, I’m trying to read more pieces of writing on either growth or personal finance info. 😉
I was doing a bit of fact-checking for a Tiktok video and I came across a really good webpage about the “Dividend Tax Credit” on Non-Registered accounts. It’s not a primary source like the Canada government website but it was still a good, detailed piece!
Check out 👀⬇️
I also downloaded Substack… not to post!! Just for more reading and wow, there are some really great posts. It’s like if Pinterest and X had a baby together, kinda..? I love reading the different ways people express their perspective of their life experiences. Some are really whimsical 🧚🏻♀️
Here’s one that really spoke to me:
And a GORGEOUS picture of Fall:
✨ Final Thoughts
Money glow ups aren’t about restriction — they’re about alignment, awareness, and consistency. Fall is your perfect window to reset before the holidays hit and a brand new year begins.
If this newsletter got you motivated, I’d love for you to:
💌 Stay Connected
Until next time — keep spending intentionally & living richly. ✨
Cheers,
Jane
