Spice Up Your Home This Fall with These Money-Saving Redecorating Tips

We get it – giving your home a complete “makeover” can seem like an expensive task, which often puts it on the backburner in place of seemingly more important items on the to-do list. However, we often fail to consider the impact of our surroundings on our day-to-day lives and mental and emotional well-being. Janet Sloan of Home Decor Wise says that a home decorated to resonate with your personality and identity can have profound psychological benefits, such as reducing stress and anxiety, promoting emotional well-being, and enhancing productivity. Thanks to DIY (“Do-It-Yourself”) enthusiasts who share their creative ideas on Pinterest, TikTok, and the like, there are plenty of sources of inspiration when it comes to redecorating – and for finding cheap alternatives, too. Whether it’s finding an affordable alternative to an otherwise expensive piece of décor, or getting your hands dirty and “DIY-ing it,” there are plenty of ways to redecorate without breaking the bank, especially if you’re redecorating every time the seasons change. Give these money-saving redecorating tips a whirl when giving your home a “refresh” this fall.

1. One Person’s “Trash” is Another Person’s Treasure: Estate sales, flea markets, and garage sales can all be a great place to start when you are in search of inspiration for your next redecoration or DIY project. Someone could be tossing a piece of furniture or a fixture that no longer serves a purpose in their home, only for you to discover that you can recycle and repurpose it into something you’ll love seeing in your home every day. When you’re roaming around, keep an open mind — you never know just how many creative spins you can put on an item you see!

2. Mount Wooden Crates: Wooden crates can easily be turned into wall-mounted shelves or displays! You can find wooden crates with a certain finish, such as those with a rustic feel, or unfinished if you’d like to paint or stain them yourself. Try using them as a makeshift bookshelf or display for your pumpkins and gourds. You can even lay some fall garland across the tops of the wooden crates to give them more of a festive fall feel!

3. New Uses for an Old Dresser: Among the many things you can find at a local sale will likely be a dresser that someone is letting go of. Dressers are a common piece of furniture that can be repurposed into supply storage. Simply swap out the drawers for fabric bins, sand and repaint the outside as needed or desired, and now you have a wealth of newly discovered storage space! If you’d rather leave the compartments open, you can display your items on the wood as opposed to putting fabric bins within.

4. Repurpose Your Pumpkin: A pumpkin is a common fall gift that keeps on giving! If you have one pumpkin too many and you’re looking to repurpose it, try hallowing it out and making a pumpkin planter or pumpkin vase. To make a pumpkin planter, simply drill or carve a hole at the bottom for drainage, fill it with soil, and plant the fall flowers of your choice. If you are going the pumpkin vase route, you can fill the hallowed-out pumpkin with fake flowers or hide a vase bearing water and real flowers. Now you have a beautiful table arrangement, and can use the insides of the pumpkin for a pumpkin dessert or bake the seeds in the oven for a snack, too.

To take your pumpkin planter to the next level, make it a hanging planter! We recommend swapping out the real pumpkin for a lightweight craft pumpkin such as this one, because they are typically too heavy to hang. Here’s some instructions on turning your faux pumpkin into a hanging planter.

5. Potpourri Can Double as a Simmer Pot: You might commonly hear people reference “pumpkin spice” during this season, and it’s not just because of the lattes! Aside from the countless decorative items fall is associated with, fall is also commonly associated with scents, such as pumpkin spice, apples, and cinnamon. Potpourri opens the door to an abundance of creativity, as there is no right or wrong way to combine natural plant materials to make a fall scent. A simple way to make a fall-inspired potpourri is by combining dried apples, cinnamon sticks, and fall leaves in a decorative bowl, and applying the same essential oils to magnify the scents. After you are done displaying this potpourri as décor, use it as a simmer pot to give your home that warm, cozy fall feel.

6. Reuse Old Throw Pillows: Whether you find throw pillows at a sale, or have a few laying around the house, reusing old throw pillows can be an inexpensive way to transform a room. There’s a couple of ways to repurpose old throw pillows that don’t require expertise in art – like trying out embroidery or fabric paint. Embroidery involves decorating fabric and other materials using a needle to stitch thread or yarn. You can order fall embroidery patterns and kits online, or find a tutorial online if you have the materials you need. If breaking out the needle and thread isn’t quite up your alley, you can use fabric paint to paint a design right onto the throw pillows. You can trace a design you find online, or use free-hand.

7. A Ladder is Not Just a Ladder: One of our favorite creative, and surprisingly functional spins on a common household item – is turning a ladder into a shelf or storage. Some of these functional spins include turning your ladder into a bookshelf, shelving space, or a clothing rack. DIY Enthusiasts details a few of these creative ways to reuse an old ladder at home, many of which include materials you likely already have. Give it a read and try to envision how one of these ladder shelf ideas can change the feel of a room in your home.

Not only are these inexpensive alternatives to traditional interior design, but they will leave you with a fun project and a great story to tell guests if you are hosting in your home this autumn.

We know that some redecorating ideas require more than just traipsing around a local garage sale until you stumble upon a piece of furniture or a fixture that inspires you. First Financial’s Home Improvement Loan is a great option for those looking to chase some of those bigger home improvement dreams, such as redesigning your kitchen. Our Home Improvement Loan features great rates, flexible terms up to 10 years, a fixed monthly payment, and more.* If you’re ready to get started, you can apply online 24/7. If you have any questions or inquiries, don’t hesitate to stop by your local branch or call our Loan Department at 732.312.1500 Option 4.

*Available on primary residence only. A First Financial membership is required to obtain a Home Improvement Loan and is open to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties. See credit union for details. Rate will vary based off of applicant’s credit rating. Not all applicants who apply will be approved, subject to underwriting guidelines and credit approval. Visit firstffcu.com for additional information.

Habits That Can Work Against Wealth Creation

Are You Undercutting Your Efforts to Build Wealth?

Good money habits can help you as you save and invest for the future. Bad habits can leave you treading water financially. Let’s review three bad money habits to avoid.

1. Not saving enough. Instead of paying themselves first, some families pay others first. Dollars they could save and invest are instead spent on consumer goods and services they don’t truly need. Money that could be saved and invested for tomorrow is spent today. Are there areas in your life where you could cut costs?

2. Carrying too much debt. Every effort should be made to reduce the size of credit card bills, student loans, and other consumer debt that risks siphoning money away from the pursuit of your long-range financial objectives.

3. Investing too conservatively. Historically, equity investments offer the potential for double-digit returns when the markets perform well. Fixed-income investments are frequently dependent on interest rates – when interest rates are low, their value is greater. When interest rates increase, these investments are subject to increased loss in value. Accepting some risk may give an investor a chance for greater reward.

Are these habits slowing your wealth-building momentum? Why not see where you stand today and gauge the potential positive impact that can come from paying yourself first and adjusting the way you invest? Call or email the financial professionals in the First Financial Investment & Retirement Center at 732-312-1534, mary.laferriere@lpl.com or maureen.mcgreevy@lpl.com

 Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. First Financial Federal Credit Union (FFFCU) and First Financial Investment & Retirement Center are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using First Financial Investment & Retirement Center, and may also be employees of FFFCU. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of FFFCU or First Financial Investment & Retirement Center.

Securities and insurance offered through LPL or its affiliates are:

This material is for general information only and is not intended to provide specific advice or recommendations for any individual. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. Investing involves risks including possible loss of principal.

This material was prepared by LPL Financial, LLC

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Celebrating Halloween on a Budget

Halloween is a fun and festive time of year – but the cost of decorations, candy, and celebrations can add up quickly. With a little planning and creativity, you can still get into the spooky spirit without breaking the bank. Here are six simple tips to help you celebrate Halloween on a budget while making the most of the spooky season.

1. Get Crafty with Decor

Halloween decorations can be expensive if you rely on store bought items, but you don’t have to splurge to transform your home into a haunted haven. Instead, get creative and make your own spooky decor using items you already have around the house. Old sheets can become ghostly figures, cardboard can be transformed into gravestones, and stretched out cotton balls can make perfect cobwebs. Remember, these decorations only stay out for a few weeks out of the year so they don’t have to be top-notch quality. By reusing what you have, you can create a festive atmosphere without overspending or being wasteful.

2. The Dollar Store is Your Best Friend

For those looking to complement their DIY decor, dollar stores are an underrated goldmine for affordable Halloween items. Many discount stores will set up seasonal sections filled with Halloween decor at a fraction of the prices you’d find at stores like Target or Home Goods. From plastic spiders and skeletons to themed tablecloths and candles, you can stock up on decorations without spending a fortune. With some creativity, items in the craft section can become the perfect decorations with a little glue and paint. These inexpensive items are perfect for creating a spooky vibe on a budget.

3. Shop Smart for Halloween Candy

We all know candy is one of the biggest Halloween expenses, especially if you live in a neighborhood with lots of trick-or-treaters. Instead of making multiple trips and buying tons of regular-sized bags at the grocery store, buy your candy in bulk from warehouse clubs. If you don’t need an entire bulk bag, consider teaming up with friends or neighbors to split large candy purchases and share the savings. This way, you can still get a good deal without overstocking. Don’t have access to a club membership? Opting for off-brand candy is okay too—most kids are happy with any sweet treat!

4. Stick to a Pumpkin Budget

Pumpkins are a fall favorite, but they can be pricey—especially if you get swept up in the excitement of buying too many or buying from the wrong places. To keep your spending in check, set a pumpkin budget. Let each family member pick one pumpkin or cap the total amount the family can spend together. While pumpkin patches are fun for photos, they often come with a higher price tag. Head to the pumpkin patch for a day of fall fun, but consider buying your pumpkins from a grocery store instead. Look out for buy-one-get-one deals and coupons, and remember – a pumpkin is a pumpkin no matter where you buy it!

5. Take Advantage of Free Halloween Events

Fall is filled with community events, and many of them are free. Look for local Halloween parades, trunk-or-treats, and outdoor movie screenings. Cities, neighborhoods, and community centers often host fall festivals or harvest fairs where you can enjoy seasonal activities without the hefty price tag. In addition to Halloween-specific events, fall offers plenty of budget friendly outdoor activities. Take a walk through a local park to enjoy the fall foliage, go apple picking, or visit a farm for a hayride. Check the local events page on Facebook, browse town websites for free or low-cost events happening near you, or subscribe to our First Scoop Blog and check out our monthly things to do on a budget posts!

6. Budget Friendly Costume Ideas

Costumes can be one of the most expensive parts of Halloween, but there are plenty of ways to save. Start by setting up a costume swap with friends, neighbors, or other parents—costumes are only worn once, so swapping with others can give them new life. Don’t shy away from thrift stores. Most second-hand stores setup Halloween sections, and you can find gently used and even brand new costumes with tags. Just like decor, DIY costumes are a fantastic option. Look through your closet for items that can be repurposed. With a little creativity, you can put together a fun costume without spending a fortune.

Don’t Break the Bank on Halloween

Halloween is all about fun and creativity, you don’t have to overspend to enjoy the holiday. At First Financial, we’re here to help you make the most of your money all year long. For more financial tips and personalized advice, call 732.312.1500 or visit a branch today.

Protect Yourself From Presidential Election Deepfakes and Scams

With the 2024 Presidential Election just about a month away, it’s not just political ads and debates that will capture your attention — scammers are also gearing up to deceive voters and steal sensitive financial information. Advances in artificial intelligence (AI) and deepfake technology are making it easier than ever for fraudsters to manipulate voters through fake videos, robocalls, and phishing schemes. With AI improving daily and scammers taking full advantage, it’s crucial to stay vigilant to protect yourself this election season and beyond. At First Financial, we’re here to help you navigate these risks and safeguard your finances.

What Are Deepfakes, and Why Are They Dangerous?

Deepfakes are AI-generated videos or audio recordings that convincingly mimic real people, often for malicious purposes. While these deepfakes are used in political campaigns to spread misinformation or manipulate public opinion, scammers are also using this technology to create fake donation requests or impersonate political figures. These realistic videos and calls can trick even the most discerning individuals into giving away their hard-earned money or sensitive information.

Common Election Scams You Might Encounter

  • Donation Requests: Scammers can pose as campaign representatives asking for donations via phone, email, or on social media. While these requests may seem legitimate, they are designed to steal money from unsuspecting voters who don’t verify the source.
  • Voter Registration Services: Scammers can pretend to be voter registration services, offering to update your voter information via phone, text, or email. They may convince you there is a fee associated with the updates and/or steal your personal information for identity theft or financial fraud.
  • Election Surveys: You might be asked to participate in a political survey, with scammers offering a reward in exchange for personal information such as your Social Security Number or bank details.

How to Spot and Protect Yourself from Scams

Election-related scams can be hard to identify, but knowing the common warning signs can help protect your finances. Here’s how to spot a scam and avoid falling victim to it:

1. Pressure to Act Quickly: Scammers often create a sense of urgency, insisting that you need to donate or update your information immediately. Be wary of any unsolicited request for immediate action, whether it’s to donate to a political campaign or fix a voter registration issue.

2. Unverified or Unfamiliar Sources: If you receive a donation request or voter registration update from an unfamiliar number, email, or website – take a step back. Always verify the source before engaging, and go directly to the campaign or government official’s website to check the legitimacy of the request.

3. Too Good to Be True Offers: If a survey or donation request promises you something that sounds too good to be true, like a large reward or an incredible opportunity – it probably is. Scammers often entice their targets with rewards in order to collect personal or financial information.

4. Suspicious Payment Methods: Be cautious of requests for unusual payment methods such as wire transfers, cryptocurrency, or gift cards. Legitimate campaigns will not ask for donations through these methods, as they are often a hallmark of scam activity.

5. Mismatched or Inconsistent Details: Look for small inconsistencies in emails or messages. Scammers may attempt to use AI-generated content, but these often include tell-tale signs such as unnatural movements, mismatched audio, or incorrect details about the candidate or campaign.

6. Double-Check Campaign Requests: If you feel connected to a political candidate or cause and wish to contribute, always verify donation requests by going directly to official campaign websites. Avoid donating through informal platforms or requests that you didn’t initiate.

Stay Vigilant & Protect Your Finances This Election Season

By staying informed and cautious, you can protect yourself from financial fraud and ensure that your personal information stays secure. At First Financial, we’re dedicated to helping you navigate this election season safely. For more financial tips and personalized advice, reach out to us at 732.312.1500 or visit a branch. Be sure to subscribe to the First Scoop blog for ongoing insights into staying financially secure year-round.

Things to Do on a Budget in Monmouth & Ocean Counties this October 2024

It’s spooky how many free and inexpensive activities there are to enjoy with your family and friends this October. We promise this list is full of treats and absolutely no tricks!

October 1

Pick-Your-Own Pumpkins & Apples (Colts Neck) – Every weekday from 9am-4:30pm, and every weekend from 9am-5:30 pm through October 31st, join Eastmont Orchards for apple and pumpkin picking. Admission is free and you will only pay for what you pick. Eastmont Orchards encourages visitors to check their social media or call ahead before visiting, as well as bring their own bags. Find more details here.

October 5

Fall Harvest Festival Arts & Crafts Show (Ocean Grove) will take place from 10am-4pm at Auditorium Square Park, rain or shine. This event will feature crafts, art, live music, and food. Admission is free. Additional information can be found here.

Oktoberfest (Seaside) – Island Beach State Park welcomes you to celebrate fall at Oktoberfest, taking place at Swimming Area 1 for the entire day. For a suggested donation of $8 – you can bring your family, friends, and furry friends on a leash – to enjoy food, brews (ages 21+), vendors, live music, and a pet costume parade and contest. For more information, click here.

October 6

Oktoberfest (Freehold) – Freehold Borough will be shutting down West Main Street so you and your family can enjoy a wide array of activities from 12pm-5pm. Oktoberfest will bring together the community to celebrate Bavarian culture through unique vendors, food, games and more. The Beer Garden will have tables and seating to enjoy the fare, and there will be live music on the Main Stage and in the Beer Garden throughout the day. Admission is free and all ages are encouraged to come take part in the festivities, although you must be 21+ to purchase and taste any alcoholic beverages. You can find out more details here.

October 7

Teen Pumpkin Painting (Howell) – The Howell Branch of the Monmouth County Library System invites your 6th-12th graders to paint a pumpkin from 7pm-8pm. While the pumpkin and materials are supplied, registration is required since there are limited spaces available. To register your teen and learn more about the event, visit the Monmouth County Library Calendar of Events.

October 8

Fall Flavor of Freehold – From 5pm-8pm join in an evening of exploring what the downtown area has to offer. You’ll be equipped with an event passport to use as a guide, as you embark on your walking tour to check out the restaurants, bars, and shops. Tickets are $25 per person, and they come with signature samples of what some of these beloved Freehold Borough establishments have to offer. Check out past participants, as well as additional information for this year’s event here.

October 12

Fall Arts & Crafts Festival (Middletown) will take place from 10am-4pm at the Middletown Arts Center. This inaugural event will feature local artisans and crafters, food trucks, and more for the whole family to enjoy. Admission is free, with free parking for visitors across the street. The event takes place outdoors, so we encourage you to check the weather before heading over! You can find additional information here.

Fall Food Truck Festival (Neptune City) – Head over to Memorial Park for a day of family fun at the 3rd Annual Fall Food Truck Festival. While admission is free, local food trucks will be selling refreshments, and there will be beer/wine to purchase for tasters 21+. Aside from the food and beverages, there are still plenty of free activities to enjoy – such as live music, games, a petting zoo, a light show, and more. Learn more here.

October 13

Halloween Fun Fest (Long Beach Island) will take place October 13th from 10am-2pm and October 19th from 4pm-8pm at Fantasy Island Amusement Park. There are countless family friendly activities to enjoy, including a trick or treat trail, pumpkin patch, costume contest, face painter, family photos, and more. Select rides, boardwalk games, and the arcade will be open. Tickets are $15/adult and $20/child (ages 1-17) and includes a $10 Fun Card and access to all activities. Registration is required for the session you and your family wish to attend. For more event information, click here.

October 19

Halloween Bonfire & Doggie Costume Contest (Hazlet) will take place at Leocadia Court Park from 4pm-8pm (rain date is Sunday, October 20th). Although it is free to come enjoy the bonfire and Halloween activities with your family and friends, Hazlet encourages you (and your dog!) to wear your Halloween costume. There will be a Howl-o-ween doggie costume contest as well. You can find more information here.

Harvest Festival (Little Egg Harbor) – Get in the fall spirit at the Harvest Festival, taking place from 10am-4pm at Pinelands Regional High School. Admission is free for all ages, and you’ll want to take advantage of it with all of the fun family activities taking place throughout the day. There are free family photos, giant inflatables, craft vendors, live entertainment, a petting zoo, and more. Find more information here.

October 21

The Legend of Sleepy Hollow (Howell) will be told at the Howell Branch of the Monmouth County Library System at 6pm. This one-man-show will feature the classic horror tale and a fully staged presentation sure to entertain all ages, followed by a short historical information session and light refreshments. Admission is free, and we are sure the whole family will get in the Halloween spirit by listening to the tale of the Headless Horseman! Find more details here.

October 24

Trunk or Treat (Wall Township) – The Annual Trunk or Treat will take place rain or shine in the Wall Municipal Complex Parking Lot from 6pm-8pm. Bring your family and friends from infants to 13 years old, to check out the decorated trunks, show off your best Halloween costume, and go trick or treating. Admission is free. Don’t hesitate to ask the owners of a trunk for allergy-friendly options, too! You can find more information here.

October 25

Halloween Hullabaloo (Middletown) – Join Middletown for a spook-tacular night of Halloween fun at Poricy Park from 5:30pm-8pm. The Hullabaloo will feature a costume contest, trick or treating, hayrides, an inflatable corn maze, and more. Admission is free for residents, and registering prior to the event is recommended here. Make sure your loved one is one of the first 300 kids at the event, as they will get a special treat. Check out this website for more details.

October 26

Halloween Event (Ocean Grove) – Join Ocean Grove in celebrating Halloween a few days early from 1pm-3pm. Head on over to Main Avenue for free trick or treating, Halloween crafts and festivities, and a photobooth. With free admission, you’ll definitely want to break out your best Halloween costume for this event! For more information, click here.

October 27

1830s All Hallows Eve Trick-or-Treating Celebration (Wall Township) – Ever wondered how they celebrated Halloween in the 19th century? You don’t have to wonder any longer after attending this event at the Historic Village at Allaire from 11am-4pm. This event allows you to step back in time while still enjoying the Halloween activities of today, including live demonstrations, spooky storytelling, craftmaking, and a carved pumpkin contest. Tickets are $10/adult and $5/child (ages 4-12). For more information about the event and the carved pumpkin contest, as well as purchasing tickets – click here.

October 31

Jacks and Lights (Lacey) – Celebrate the spirit of the season from 6pm-9pm at Argos Farm, when you walk through a trail of hundreds of lit jack o’ lanterns carved into amazing designs. You’ll find a lit pumpkin trail, a pumpkin patch, photo ops, a flashlight corn maze, tasty treats, and much more. Don’t miss out on this magical adventure, perfect for those of all ages! For more information and to purchase tickets, click here.

First Financial hopes you and your family take time to ‘Trick-or-Treat Yourself’ with these fun activities this October. We hope you have a wonderful Halloween!

First Financial Employee Spotlight: Samantha Colella

At First Financial, our employees are a crucial part of our business. Some of our employees go out into the Monmouth and Ocean County community to interact with and learn about the heart of First Financial—our members and businesses that we serve. Today, we have a new addition to the team that will be a friendly face around the community—Samantha Colella, our new Business Development Representative.

From a young age, Samantha was interested in the lasting impression she could make on a financial institution and the surrounding community they serve. That interest took her to Lehigh University, where she obtained a Bachelor’s Degree in Business & Economics. Prior to joining First Financial, Samantha had client-facing roles at both a start-up and a large retail bank, equipping her with the perspective required to identify the needs of the communities served. Now back home in New Jersey, her passion brought her to First Financial, where she will be working to increase First Financial’s reach in Monmouth and Ocean Counties and support our community partners and businesses, and the people that make those organizations run.

Samantha’s role will focus on marketing and community outreach through business development. On the marketing side, she will support our VP of Marketing in engaging and connecting with members of the community through various channels. On the community outreach side, she will focus on supporting our existing community partnerships and forging new relationships for the credit union. You might run into her at your local branch, at a local vendor fair, or even at your favorite local business.

Samantha is excited to join the First Financial Family, and support members and businesses in their financial well-being. Stay tuned to First Scoop, and you’ll get to read some of her upcoming blog posts!

Want to join the team at First Financial? Check out our careers webpage and apply online for current employment opportunities.