Things to Do on a Budget in Monmouth & Ocean Counties this September 2025

Posted on September 2, 2025 by Business Development Rep Samantha

We hope these free or inexpensive happenings in Monmouth and Ocean Counties will pumpkin spice up your September!

September 3

Fall Concert Series (Freehold) – All you need is a lawn chair to enjoy free outdoor concerts at the Hall of Records every Wednesday through October 15th from 7:30pm-9:30pm. Each week will bring different voices the whole family will love, from widely known groups to local talent. Check out the schedule and voices you can look forward to hearing here.

September 6

Bugs, Birds, and Beyond Children’s Festival (Freehold) – Bring the whole family to the Monmouth County Agricultural Building from 12pm-4pm for an afternoon crawling with fun. This festival brings nature’s wonders to Monmouth County – giving you the chance to experience a nature scavenger hunt and story time under the trees, crafts, exciting experiments, and more. There is no entry fee to attend, but there will be items available for purchase. Click here to learn more.

Neptune Day – Come see what makes Neptune great at Neptune Day, taking place at the Neptune Middle School Parking Lot from 12pm-5pm. There will be carnival games, a petting zoo, vendors, festival fare, and more. There is no entry fee, but there will be items available for purchase. Learn more here.

Sailfest (Toms River) – Bring your family and friends to Sailfest for a boatload of fun on River Avenue from 10am-10pm. Known as the largest sailing festival in New Jersey – it attracts thousands from all over the East Coast to spectate Sail Race Regattas, enjoy live music and family activities, visit food trucks, shop local vendors, and more. There is no entry fee to attend, but there will be various goods available for purchase. Click here to learn how you can say “Ahoy!” to this fun-filled festival.

September 13

Fall Festival (Lacey) – If you’re looking for a day that looks like it’s straight out of a movie, check out the Fall Festival at Argos Farm – happening on select dates at various times through November 1st. You can stroll through the pumpkin patch in search of the perfect pumpkin, find your way through a corn maze, sample tasty seasonal treats, and enjoy fun farm attractions. For those looking for a picture-perfect photo op, you’ll find it here! General admission pricing will become available in the coming weeks. Keep an eye out for additional information here.

Ocean County History Day (Toms River) – The Ocean County Historical Society will be bringing Ocean County’s rich history to life from 10am-3pm. There will be reenactments, displays from various local historical organizations, and a tour of the Elizabeth Sculthrop House and Museum. There is no entry fee to attend. Click here for more information.

The Feast of San Gennaro (Belmar) – Enjoy a slice of Italy right in the heart of the Jersey Shore at the Feast of San Gennaro between 11am and 6pm. The festival begins with a special mass presented in Italian at St. Rose Catholic Church at 10am for those who are interested. Immediately after, there will be a procession down Main Street – taking you right into Italian food, live music, and vendors. There is no entry fee to attend, but there will be Italian cuisine available for purchase. Learn more here.

September 14

Jackson Day – Celebrate the town of Jackson at Johnson Memorial Park from 11am-8pm. This community celebration includes carnival rides and games, giveaways from sponsors, a drone show, sky divers, an ATV and dirt bike exhibition, food, a craft and flea market, and more! Although there is no entry fee to attend or to partake in most activities, there will be food and vendor items available for purchase. Click here to learn more.

Oakley Farm Fall Festival (Freehold) – You don’t have to wait until the official start of fall to get in the spirit – head over to Oakley Farm to celebrate the unofficial start of autumn from 11am-4pm. There will be live music, family-friendly activities and crafts, vendors, a bake sale, and more. Plus, all buildings will be open for tours – so it’s the perfect opportunity to check out this historical gem of Freehold if you haven’t already done so. There is no entry fee to attend, but there will be items available for purchase. You can find additional information here.

September 19

Fall Festivities (Cream Ridge) – Stone Tavern Orchards is serving up the fall spirit every weekend from 9:30am-4:30pm, through mid-November. Your experience will begin with a hayride that takes you to a fork in the road – where you will decide if you want to start with the orchards, pumpkin patch, flower patch, corn maze, or corn pit. Admission is $9 for adults and $5 for children ages 4-11, with children 3 and under being free to attend. You will have to pay for what you pick. See how you can fall in love with fall at Stone Tavern Orchards.

September 20

Fall Harvest Festival (Wall) – Head over to the Historic Village at Allaire if you want to experience all things autumn, taking place from 11am-4pm both Saturday and Sunday. From apple cider pressing and pie baking contests, to vendors and on-site shops selling fall-themed goods – this festival is autumn all wrapped up in a little bow. Admission is $10 for adults and $5 for children ages 4 to 12, with children 3 and under being free to attend. Click here to learn more and purchase tickets online.

Howell Day & Green Fair takes place at Soldier Memorial Park from 3pm-8pm. This free, fun for the whole family event will get everyone outdoors and soaking up the last official days of summer. There will be inflatables and mechanical rides, live music and entertainment, demonstrations, vendors, and more. The day ends with a fireworks show at dusk. Learn how to get in on the fun!

Oktoberfest (Highlands) – Highlands is bringing Germany to the Jersey Shore at Oktoberfest, taking place in Veterans Park from 12pm-7pm. The park will come alive with traditional German cuisine, polka music and traditional German dances, a beer stein holding contest, craft and specialty vendors, and more. And of course, it wouldn’t be Oktoberfest without an array of beer for those ages 21+. There is no entry fee to attend, but there will be items available for purchase. Click here for more information.

Wind & Sea Festival (Port Monmouth) – Head over to Bayshore Waterfront Park from 11am-5pm to celebrate all things water. You can enjoy various coastal activities such as kayaking, fishing, crabbing, sandcastle building, children’s crafts, naturalist activities, and more. There is no entry fee to attend. You can learn more here.

September 26

Greek Festival (Toms River) – Saint Barbara Greek Orthodox Church is hosting a festival all weekend long, beginning Friday at noon and running through Sunday at 6pm. Sprawling both indoors and outdoors – there will be an outdoor food court and indoor dining room selling authentic Greek cuisine, traditional Greek dances, music performed by GOYANS and youth groups, games and entertainment, vendors, and more. There is parking at Ocean County College Lot #2 with a free shuttle service to the festival. There is no entry fee to attend, but there will be items available for purchase. You can find additional information here.

September 27

Fall Craft and Vendor Show (Wall) – Two worlds collide at the Fall Craft and Vendor Show at the Historic Village at Allaire, happening from 10am-4pm. Perfect for those who enjoy both history and all things homemade – there will be over 140 vendors displaying and selling their works, while the village will be conducting historical demonstrations and showcasing exhibits. Admission is $10 for those ages 10 and up, with children under 10 being free to attend. Click here to learn more and purchase tickets to shop and soak up the beginning of fall.

Old Time Barnegat Bay Decoy and Gunning Show (Tuckerton) – The Decoy and Gunning show will give you a taste of folk life at Stanley “Tip” Seaman County Park on Saturday from 7am-5pm and Sunday from 7am-4pm. This weekend-long event is jam-packed with activities like archery, drop-in weaving classes for adults and children, carving and folk-art demonstrations, and boat rides. There will also be various exhibits like dock dog demonstrations, new and antique decoys, and musical performances. For our more competitive folks – various contests will be taking place throughout the weekend. There is no entry fee to attend and there will be free shuttles to the show from various locations. Click here to learn more.

September 28

Harvest Home Festival (Holmdel) – No time machine is needed to experience a country fair from the 1890s at Historic Longstreet Farm from 11am-5pm. The whole family is sure to enjoy the games, craft demonstrations, wagon rides, live entertainment, and more. There is no entry fee to attend. Click here to learn how you can celebrate fall like it’s the 1800s.

SPUR Family Barn Dance (Lincroft) – Come learn to line dance with the family while benefitting Special People United to Ride (SPUR) at Thompson Park Activity Barn from 1pm-4pm. Line dance your heart away, no matter your experience level. Tickets are $10 per adult and $5 per child ages 10 and under. You can get additional information and purchase tickets online here.

It’s Never Too Early to Start Holiday Shopping

Posted on August 29, 2025 by VP of Marketing and Business Development Jessica

The holiday season always seems to sneak up faster than we expect. One moment it’s summer, and the next you’re staring at a December calendar packed with gift lists, travel plans, and expenses. The truth is, it’s never too early to start holiday shopping! In fact, starting earlier can make your holidays less stressful, more affordable, and a whole lot more joyful. Keep reading to find out why early shopping is a smart move.

1. Spread Out the Costs

Instead of one big financial hit in December, buying gifts gradually allows you to spread expenses across months – and hopefully even pay them off before the holiday season begins. This makes it easier to manage your budget, avoid dipping into savings, and keep credit card balances in check.

2. Take Advantage of Sales All Year Long

Black Friday isn’t the only time for deals anymore. Retailers now launch discounts earlier and keep them running longer. By shopping ahead, you can snag sales on everything from electronics to toys before the holiday rush begins.

3. Reduce Stress and Last-Minute Panic

There’s nothing worse than scrambling through crowded stores or watching “out of stock” alerts pop up online. Shopping early gives you more options, more time for thoughtful choices, and less of that frantic December pressure.

4. Avoid Costly Shipping Fees

When you shop early, you can take advantage of standard shipping timelines and avoid paying premium prices for expedited delivery. That means more money in your pocket for holiday fun!

5. Plan with Purpose

Shopping ahead of time allows you to be more intentional with your gift-giving. You can research, personalize, and even DIY gifts without feeling rushed.

How First Financial Can Help You Stay on Track

At First Financial, we know holiday shopping can put stress on your budget if you’re not prepared. Here are a few ways we can help you start early and shop smart:

Holiday Savings Club Account: Open a separate account just for holiday expenses, and make small, automatic deposits throughout the year.⁺ This way, you’ll already have money saved (that you probably didn’t even miss during the year!) to pay for seasonal expenses.
Budgeting Tools: Use our online and digital banking services to track your spending categories and set limits for gifts, travel, and entertaining.* Our website also features no-cost financial calculators and a budgeting PDF worksheet, to help you plan and manage upcoming expenses.
Low-Rate Credit Cards: Our credit cards come with competitive rates to help you manage costs responsibly. We also have a variety of options to meet your needs – including a card for those who are trying to build or repair their credit, or ones with rewards or cash back options.**

This year, give yourself the gift of peace of mind by planning ahead. Because when it comes to holiday shopping, it’s never too early to start!

For more financial tips and resources, be sure to subscribe to our First Scoop Blog.

*You must have an account at First Financial Federal Credit Union (serving Monmouth and Ocean Counties in NJ), and be enrolled in online banking, to use our mobile application. Standard data rates and charges may apply.

**APR varies up to 18%, when you open your account based on your credit worthiness. This APR is for purchases and will vary with the market based on the Prime Rate. Subject to credit approval. Rates quoted assume excellent borrower credit history. Your actual APR may vary based on your state of residence, approved loan amount, applicable discounts and your credit history. No Annual Fees. Other fees that apply: Balance Transfer and Cash Advance Fees of 3% or $10, whichever is greater; Late Payment Fee of $29, $10 Card Replacement Fee, and Returned Payment Fee of $29. A First Financial membership is required to obtain a Visa® Credit Card and is available to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties. Your First Financial Visa® Signature Cash Plus Credit Card will earn cash back based on your eligible purchase transactions. The cash back will be applied to your current credit card balance on a quarterly basis and be shown cumulatively on your billing statement. Unless you are participating in a limited time promotional offer, you will earn 1% cash back based upon eligible purchases each quarter. uChoose Rewards is a registered trademark of Fiserv Inc. Login to uChoose Rewards through Online Banking, by clicking on your Cash Plus Credit Card account to view current offers.

+A $5 deposit in a base savings account is required for credit union membership prior to opening any other account. All personal memberships are part of the Rewards First program and a $5 per month non-participation fee is charged to the base savings account for memberships not meeting the minimum requirements of the program. View full Rewards First program details at firstffcu.com. Some restrictions apply, contact the Credit Union for more information.

Beware of Crowdfunding Scams: What You Should Know

Posted on August 26, 2025 by VP of Marketing and Business Development Jessica

Crowdfunding platforms like GoFundMe, make it easy to contribute to worthy causes – but that ease can also open the door to scams. During times of disasters and emergency, there are spikes in fraudulent campaigns. In recent years, millions of dollars have been lost to fake charities and crowdfunding scams. These schemes prey on generosity during times of crisis, making it especially important to verify before giving. At First Financial, we believe in empowering smart giving. Here’s how to protect yourself and your finances before you click “donate.”

Red Flags – Spotting a Fraudulent Crowdfunding Campaign

Vague or inconsistent campaign details: Legitimate campaigns include clear names, addresses, and purpose. Scams often feature contradicting or minimal information.
No digital footprint: If you can’t find anything about the organizer or beneficiary online, proceed cautiously. Fake campaigns often lack verifiable details.
Organizer’s social presence is minimal or new: Profiles with few followers or that were recently created can be red flags, so proceed with caution.
Poor communication: Scammers will often ignore or give vague answers to your questions.
Pressure to act immediately: Messages demanding quick donations, especially citing urgent causes – are often phishing or scam attempts.

Vet Before You Donate

Investigate the organizer: Search their name along with words like “scam,” “complaint,” or “review.”
Understand the cause fully: Know exactly what the funds are for and whether there’s a refund policy if the project fails.
Ask for proof: Request evidence that the beneficiary or project exists and that funds will be used as claimed.
Consider giving directly: Donating straight to established charities may be safer and more transparent.
Stay local: Support causes involving people you know personally or local community efforts that you can verify.
Check platform protections: Many platforms offer refund guarantees if fraud is confirmed, and they monitor campaigns for suspicious activity.

What to Do if You Suspect a Scam

If you suspect a scam, report it immediately to the crowdfunding platform, then warn others by using comments or social media posts to spread the word and protect your community. You should also request a refund, as many platforms do have processes in place to return your money should a campaign prove to be fraudulent.

Additionally, crowdfunding scams should be reported to the FTC and your state’s attorney general.

Safe, Thoughtful Giving

Crowdfunding campaigns can support incredible causes, but that impact only holds when the campaign is authentic. Before donating – always pause, investigate, and verify. To stay up to date on the latest scams, subscribe to our First Scoop Blog.

The Pros & Cons of Letting Your Teen Have Their Own Credit Card

Posted on August 22, 2025 by VP of Marketing and Business Development Jessica

As teens grow, so will their independence and desire to spend money. Here are some things to consider, as well as the pros and cons – when choosing what financial options may be available to your teen as they begin to build their financial independence.

Credit Card Pros:

Credit History Building: Allowing a responsible teen to be an authorized user on a parent or guardian’s credit card is a good way to start. If your teen is at least 18 years of age and can demonstrate independent income, or if they have a co-signer who is at least age 21 – they can apply for a credit builder card like our First Step Credit Card.* This will help them start building a credit score early, setting them up for future milestones like renting an apartment or financing a car.
Convenience & Cash Safety: Using a card is easier and safer than carrying cash, especially for online purchases.
Parental Oversight: With monitored statements and spending limits, you can review and guide your teen’s card usage and teach them financial responsibility.

Credit Card Cons:

Risk of Debt: Teens may overspend if not watched closely. High interest and large balances can quickly become problematic.
Credit Damage: Missed payments or maxed-out balances can hurt your teen’s credit score and potentially yours, if they’re an authorized user on your account or if you are a co-signer.

There are also some pros and cons for adding your teen as an authorized user on your credit card.

Authorized User Pros:

Credit Boost: Your teen will build their credit without needing a separate application.
Fully Supervised: You get to maintain control, get the statements, and manage spending limits.

Authorized User Cons:

Credit Entanglement: Your credit habits directly influence your teen’s, so any late payments or high credit utilization will affect both credit scores.

You’ll need to weigh out all the options and decide which might be the best fit for your teen and your household.

For younger adults between the ages of 14 and 23, First Financial offers a Student Checking Account – which comes equipped with their own debit card.** If you’re not quite ready to add your teen as an authorized user or for them to have their own credit card, having their own debit card would be a smart place to start.

Student Checking & Debit Card Perks:

Safe Spending: A student checking account with its own debit card, encourages budgeting and responsible habits without debt risk.
Visual Learning: Teens will gain real life experience tracking balances, spending, and earning — a practical path to financial responsibility.

Teaching Financial Responsibility Along the Way

It’s not just about having a card or not, it’s about creating a healthy relationship and mindset surrounding money.

Budgeting & Banking Basics: Start with allowances or part-time earnings, and show your teen how to prioritize needs vs. wants, and plan ahead.
Real Conversations Lead to Smart Habits: Open discussions about money and sharing household budgeting decisions will help teens feel included and more invested in learning.

Make the First Step with First Financial

We’re committed to empowering young adults and their parents, with financial tools and skills that will last a lifetime. Contact us today with any questions or to help you choose the option that will best fit your teen’s path toward financial independence and success.

*APR varies from 17.15% to 18% for the Visa® First Step Credit Card when you open your account based on your credit worthiness. This APR is for purchases and will vary with the market based on the Prime Rate. Subject to credit approval. Rates quoted assume excellent borrower credit history. Your actual APR may vary based on your state of residence, approved loan amount, applicable discounts and your credit history. No Annual Fees. Other fees that apply: Balance Transfer and Cash Advance Fees of 3% or $10, whichever is greater; Late Payment Fee of $29, $10 Card Replacement Fee, and Returned Payment Fee of $29. A First Financial membership is required to obtain a Visa® Credit Card and is available to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties. A $5 deposit in a base savings account is required for credit union membership prior to opening any other account/loan.

**A $5 deposit in a base savings account is required for credit union membership prior to opening any other account. Debit Card must be linked to a First Financial Checking Account. Debit Cards are available for First Financial members with Checking Accounts only. All personal memberships are part of the Rewards First program and a $5 per month non-participation fee is charged to the base savings account for memberships not meeting the minimum requirements of the program. View full Rewards First program details at firstffcu.com.

How Small Businesses Can Stand Out This Back-to-School Season

Posted on August 20, 2025 by Business Development Rep Samantha

Businesses that take advantage of holidays and key seasons where shopper demand tends to increase, typically see more shoppers and in turn – more sales. Customers are already shopping for back-to-school, so using strategies that will propel your business into the spotlight can help you earn a slice of that spending pie – which is estimated to reach $39 billion this year. And the best part is, your business doesn’t have to sell school supplies or first day of school outfits to join in. Here are five strategies your small business can use this back-to-school season.

1. Contests and Giveaways

Contests and giveaways are typically a win-win for both you and your customers. Your customers will have the chance to engage with your business and potentially receive a prize in return, which will help get the word out about your business and hopefully attract new patrons. One contest idea for this time of year, might be entering all who make a purchase and post a photo using a specific hashtag – into a drawing for a free backpack filled with school supplies. If you’re looking to connect with a specific type of customer, such as a teacher – think about offering a gift card for classroom supplies to an educator who posts their classroom, again using a specific hashtag. #PeopleLoveFreeStuff.

2. Create In-Store Experiences

If you have a storefront, you have a unique opportunity to create in-store back-to-school themed experiences for your customers. For example, you could invite a local teacher or school administrator to host a session for parents and students. Or, you could set up a back-to-school themed photo op within your store for customers to take pictures. Bonus points if they post the pictures and tag your business! Whether your customers didn’t know you had these experiences until they were already in the door, or they came to your business knowing you did – this shows your clientele that you care and are community focused too.

3. Offer Discounts

Back-to-school shopping is typically a family’s second-largest annual spending event and parents are understandably looking to save where they can. That’s where your business comes in – even if you don’t directly offer school essentials. You can encourage first-time shoppers to return to your store a second time, by offering them a back-to-school seasonal discount. For example – try using email or social media to offer a percentage or dollar amount off the next purchase, or a free product or service if they bring in their receipt from the last purchase. If you are targeting parents, show them how the savings they may get by shopping with you – can be put back into their budget elsewhere.

4. Special Bundles

Messaging is key. You might be thinking, “What does my pool cleaning company have to do with back-to-school?” The answer is everything – kind of.

If your business offers a product that is needed by parents, children, or educators during back-to-school season – offer them a bundle on your services. This can add value when you show your potential customers that you can save them money or trips to the store, just by choosing your business. Going back to our original example, if you own a pool cleaning company – offer a discounted bundle on early September pool skimming and equipment maintenance to save busy working parents from having to do it themselves. It’s all about how you market your business, and show how it’s relevant – in any season.

5. Don’t Forget Your Existing Customers

As a small business, your repeat customers are some of your best advocates. You have already earned their trust, they spend money at your business, and they promote your brand to others free-of-charge – so be sure to thank them for it! Offer special discounts or deals for returning customers as a way to say thank you for supporting your business, and showing them that you want to make back-to-school season a little easier on their wallets.

The excitement and nerves of back-to-school season are feelings that many people resonate with all-too-well. If your business can lean into the excitement and ease some of those nerves by offering shoppers what they need when they need it, you may be able to capitalize on back-to-school season and continue building a loyal customer base well into the future.

Learn more about how First Financial can help support your small business by emailing us at business@firstffcu.com. Be sure to check out all of our small business services on our website. For better business banking, Think First!

blog.firstffcu.com

Fun and exciting financial education for all!

Things to Do on a Budget in Monmouth & Ocean Counties this September 2025