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.

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!

Busting the Latest in Imposter Scams

When trying to stay one step ahead of scams, knowledge can be a powerful tool. In this day and age where scams are getting increasingly more complicated and scammers are deploying creative tactics, you can never know too much about the nature of scams. At First Financial, there is nothing more important to our team than protecting the personal and financial information of our members, and that includes protection from scammers. Below are some common imposter scam tactics you could experience, and how to identify them before it’s too late.

What it is:

An imposter scam starts with an unexpected call, email, or text message from a person, supposedly working for a government agency, financial institution, or popular social media platform, or claiming to be a family member or friend. This person alerts you to supposed fraud or criminal activity occurring in your accounts, and proposes a solution that requires sharing verification codes or moving money. Once you entrust them with this sensitive information, they likely have all the information they need to defraud you. Divulging this sensitive information will always benefit them, and it will harm your finances.

Red Flags:

  • Request of Sensitive Information: A government agency, financial institution, or social media platform will not request that you divulge personal or financial information via call, email, or text. In the case of verification codes, these are used by institutions as a second step to prove that you are really you, so never give a scammer the tool they need to impersonate you and steal your money.
  • Sense of Urgency: The scammer will likely convey a sense of urgency, convincing you that some sort of action needs to be taken now to protect you. They are trying to get what they want quickly, and move onto the next person they can defraud.
  • Moving Money to “Protect” it: When there’s a scammer on the other end of the line, moving your money means losing your money. A legitimate government agency or financial institution will not have you moving your assets off their platform to “protect” them.

Staying Safe:

  • Do Not Divulge Information: If someone is coercing you to divulge your personal or financial information to “protect” you or act before it is too late, you likely need to protect yourself from that person. Simply end the conversation, block them on the platform you were communicating on, and report the interaction to the Federal Trade Commission.
  • Call the Person, Agency, or Company Yourself: Caller ID can appear to be real – but just like many other things scammers take advantage of, this too can be faked. Scammers have been known to spoof your bank’s phone number, and even major government agency phone numbers such as the IRS. If you are trying to call the real individual, agency, or company the person is allegedly calling you from – get that information from a statement, bill, or the company website.

Remember: First Financial will never ask you to share personal information, passwords, or verification codes via call, email, or text. The only thing we ask our members is to remain vigilant to scammers, and continually educate yourself on the evolving nature and tactics of scammers.

While these types of imposter scams have been especially prevalent in 2024, they are likely not going away and will continue to take place in the coming year. If you believe you have been the victim of an imposter scam, you can report it to the Federal Trade Commission at ftc.gov, and/or your local police department.

Questions? Contact First Financial’s Member Relationship Center at 732-312-1500, email us at info@firstffcu.com, or visit one of our local branches.