Determining your budget is the most important detail to figure out before shopping for a new car. 

More costumes than ever will be flying off the shelves as Americans gear up to celebrate the spookiest holiday of the year, according to the National Retail Federation’s Halloween Consumer Spending Survey. But the only thing scarier than ghosts and goblins on Halloween is the promise of spending ghastly amounts on costumes and candy.

There’s still time to take advantage of the last days of warm weather and tackle home improvement projects that will make your property more attractive and may improve its value. Here are five to consider: 

Summer is a time when people tend to disregard their finances – with gorgeous weather and time off from work, it’s easy to focus on having as much fun as possible with travel, family barbecues and frequent parties, while putting money matters in the backseat.  If you’ve overspent this summer or failed to follow a savings plan or budget, don’t worry – it can probably be fixed. Here are five steps to help get your finances back on the right track: