As the weather gets a bit colder, it’s time to start thinking about your year-end money strategy. The fall is here and the winter holidays are closer than you think. Use the following strategies to make the rest of the year count.

Clean Out Your Closet

Have you looked into your closet and decided you have nothing to wear? Before you start buying new clothes, pull out your cold weather clothes and give them a good look. Try them on to make sure everything still fits and donate what you no longer wish to keep.

Add the Holidays into Your Budget

This year, the year-end holiday celebrations will likely be virtual rather than in-person. While you may be less likely to have travel expenses, there’s still a chance you may overspend on gifts and decorations. If you haven’t already made a spending plan for them, do so now. Figure out how much you can afford to spend and stick to that amount.

Increase Your 401(k) Contribution

If your budget can handle it, why not increase your retirement deductions by 1%? The more you save now, the more tax benefits you’ll get and the less you have to worry about the future.

Spend Your Flexible Spending Account (FSA) Dollars

Use it or lose it. You’ve already saved this money, so don’t leave it on the table. Check your FSA documentation to see what health-related expenses you can use this account for and use those dollars.

Plan to Use Your Vacation Days

Using your vacation days is key to living a successful and balanced life. Even if you have a staycation, it’s critical to use your well-deserved days off. If you plan now, you can even save for a weekend getaway before the end of the year. Life is all about balance.