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9 Things to Budget for in September

Fall is everyone’s favorite season (or at least second-favorite).

The air is crisp. The holidays are near. And, let’s be honest, the clothes are much more comfortable. Maybe that’s why we like September so much—it marks the beginning of so many good things to come.

Here are nine expenses to work into your budget so you can enjoy them all.

1. Pumpkin. Spice. Lattes.

You know you want one. Or five. It’s okay to go PSL crazy, as long as you (or your sweetie) set aside money before you hit the drive-through.

2. Fall Clothes and Shoes

Last year’s clothes fit just fine, but you’re itching to freshen up your wardrobe with a new pair of boots. Bulk up your clothing budget by consigning a few summer pieces. You’ll get more closet space too!

3. School Stuff

Back-to-school shopping may be over, but back-in-school spending has just begun. We’re talking about field trips, snacks, homecoming dances and football games. Budget now before the kids steal all your lunch money.

Related: 9 Back-to-School Expenses You Weren’t Expecting

4. Labor Day Getaway

Your family vacation to Disney was magical but not very restful. Now’s your chance for a relaxing grown-up getaway. Imagine a whole weekend without Elsa or Ana singing at you. That’s money well-spent.

5. Tailgating

Whether you’re tailgating at home or at the stadium, make room in your bank account for nachos, wings, dips and sodas. It’s perfectly acceptable to enjoy football for the food. Go team!

6. Gym Membership

September is usually the time of year we get our heads back in the game when it comes to physical fitness. Find a nearby gym within your price range—and make an effort to actually use it this time. CrossFit, anyone?

7. Home Projects

Now that it’s not so hot outside, you can finally do some DIY projects around the house, like painting the shed. It’s also a good time to hire someone to do preventive maintenance on your air conditioner and heater. Better to maintain now than to pay for a new one mid-winter.

8. Weddings

Did you know that September is one of the most popular months for weddings? If you’re RSVPd to any upcoming nuptials, budget for the gifts ASAP.

9. Christmas

You’ve got about three solid months before the mall becomes a zoo. So if you haven’t started saving yet, start now. We mean that literally. An auto draft of just $200–300 each month can make for a stress-free holiday shopping season (well, mostly). When you give every dollar a name, you can spend your money with control and without guilt. And perhaps more importantly, you can afford that pumpkin spice latte habit. Worth it.


Start budgeting with a free trial of Ramsey+ today!

For even more September budget line items you shouldn’t overlook (think bonfires and pumpkin-flavored foods), check out this article on

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