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Fall is in full swing, and along with its changing leaves and weather, comes the opportunity to transform money management. Take a fresh look at some ongoing costs and ways to shave dollars off of autumn expenses. Here are some helpful tips to get you started.

Negotiate Monthly Expenses

Tip: Call your policy holders and ask for ways to lower your payments, like bundling services or even moving to paperless billing. These companies want to keep you as a customer and are typically willing to work with you to hold on to your business.

Tip: It never hurts to get quotes on auto and homeowners insurance, and October through December is open enrollment season for government health insurance plans and some company-sponsored health insurance plans. Make sure you’re getting the best coverage at the best rate possible.

Review Your Subscriptions

Tip: Make a list of your subscription services and the cost of each. Are you using the subscriptions enough to justify the cost? Are there opportunities to find lower cost alternatives? Subscription services add up―reviewing annually keeps them in check.

Do Preventive Home Maintenance

Tip: Tackle timely home repairs. Roof repairs and gutter cleaning might be an expense, but they’ll prevent water damage that comes with heavy rain, snow or snow melt later on. Be sure to clean out your furnace filter to save money on heating throughout winter and check your insulation and window seals to ensure efficient use of energy throughout winter.

Fine-Tune Utility Costs

Tip: For many regions, autumn is the most temperate season of the year. Hold off on that heat and wrap yourself in a warm sweater instead.

Tip: Request an annual budget plan from your company so you pay the same amount every month, avoiding winter-time spikes. Requesting an annual budget plan from your power company allows you to pay the same amount every month so you can avoid extreme spikes in cost during colder months.

Choose Low-Cost or Free Entertainment

Tip: If you’re a football fan, consider hosting a potluck for the game or find places to watch that offer free apps and other specials.

Tip: Don’t spend full price on events. Instead, check for Groupons and other local ticket deals on sporting and concert events.

Tip: Fall colors are free! Check out local parks and free community festivals and take in the changing season.

Cut Back on Clothes Shopping

Tip: Check your closet before you shop. Note what you have and what you need. Avoid buying duplicate items and look for pieces that complement your existing wardrobe.

Tip: Consignment and thrift stores, as well as online secondhand sites, are great places to find more expensive pieces for less.

Save for the Holidays

Tip: Now is the time to set a holiday spending budget with a savings goal to match. Set aside an amount each pay period, with automatic deposit if possible, to reach your goal with less effort.

Navy Federal Credit Union can help you save and budget year-round. Keep up to date with managing your money and tracking your spending habits with Navy Federal Credit Union's mobile* and online banking tools. Visit us any season to learn more about the services available to you.

This article is intended to provide general information and shouldn't be considered legal, tax or financial advice. It's always a good idea to consult a tax or financial advisor for specific information on how certain laws apply to your situation and about your individual financial situation.