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Autumn is a time of new beginnings: going back to school, or back to work after your summer holidays, getting out your winter clothes and beginning to look forward to a new season.

It’s also a time to reinvigorate yourself financially, physically and mentally and an opportunity to get back up on that horse that you fell off during the fun of the summer.

1. Get back on that savings horse

Summer is a notoriously expensive season. Holidays, school breaks, weddings, and summer clubs all mean that you have probably had your hand in your pocket for months!

If you’ve fallen off your savings horse, and haven’t managed to meet your saving target the last few months then don’t beat yourself up; just dust yourself off and start again. Make September the first month that you start to put away money again. Set up a new Step that inspires you, and even if it’s only a few pounds a week you will start to regain control over your finances one step at a time.

2. Start eating right again

Traditionally, summer is the season where eating right is relatively easy - as almost everything delicious is in season! However, it’s also easy to overindulge on your summer holidays, and with the endless BBQs and weddings it can be difficult to eat well all the time.

Autumn is the season for warm soups and stews and fruits like apples and blackberries. Eating seasonally is said to be better for your body, and it definitely is easier on your wallet. By buying seasonal and locally grow fruit and vegetables, you are not paying for the cost of artificial growing environments, or for transcontinental transportation. In addition, as always when there is a lot of something, it drives the price down.

3. Start exercising again

It’s easy to get motivated to get into shape for a specific event such as a beach holiday. Once that event has passed, however, it’s just as easy to fall out of the exercise habit.

With the weather cooling down it’s easier to take up outside activities that you don’t have to pay anything extra for. Go for a jog, or get some friends together and set up some DIY circuits in your back yard or local park. Getting back into the routine can be pretty brutal, but it’s worth it, and it doesn’t have to cost you an expensive monthly gym membership.

4. Start a new hobby that will get you through the winter

If you’re looking for new diversions then find yourself a new hobby that will get you through the darker winter months. Look for something you can do at home, and that will help you develop a good life skill that could help you save money in the future, like sewing, knitting, or gardening!

5. Set yourself new goals

Finally, the onset of autumn is a time to refocus on some new goals. After the fun of the summer it’s nice to collect your thoughts a bit and find a new objective. This could be anything, from a fitness goal to the development of a personal relationship, or even a way to make money from your hobby.

Autumn is a wonderful time of year, so do what you can to make sure you step into it in the best frame of mind.