As Halloween approaches, tackling financial goals, budgeting and saving might seem as eerie as a haunted house. Don’t let money fears spook you—turn financial frights into delights with simple steps toward a better future.

How scary are finances? A recent survey found nearly 70% of U.S. consumers fear something about their finances. The biggest fears? Making ends meet (38%) and saving for emergencies (26%).

If you’re feeling overwhelmed, you’re not alone. Let’s break the spell and take the first step to financial freedom.

Educate Yourself

Knowledge is power, especially with money. Start by mastering budgeting, saving and managing debt to ease anxiety and gain control. Tackle credit scores, interest rates and debt repayment next. Ready to invest? Learn about compound interest and diversify your portfolio to grow wealth.

Not sure where to begin? Start with books like The Total Money Makeover or Rich Dad Poor Dad. Visit sites like Investopedia, NerdWallet, or Money Under 30. Listen to podcasts like The Dave Ramsey Show, SO Money or How to Money. Apps like Monarch, YNAB, Honeydue, and NerdWallet can help you stay on track.

Start Simple

Life’s going well, then suddenly everything changes. A new car, marriage, kids or a house. You wake up in a cold sweat, white as a ghost, panicking about your finances. But a few simple steps can get you back on track.

Personal finance doesn’t have to be complicated. Start with a 1-2-3 plan: set a goal, budget and save. Start small, build momentum and adjust as you go.

Set a short-term goal with a deadline—like paying off a bill or saving for a trip. Not sure how? Try our online Savings Goal Calculator for help.

Budgeting doesn’t mean penny-pinching. Focus on key expenses. Review your statements, list the essentials and subtract them from your income. If things don’t balance, make small changes—skip the coffee or eat out less—and picture the reward: a paid-off bill, lounging in the Caribbean or taking your new bike for a ride.

Finally, pay yourself first! Set up automatic transfers to savings and let your money grow. Out of sight, out of mind. Want to make your money work harder for you? Check out our flexible Saver Certificates.

Don’t Leave Money on the Table

Grab every opportunity, especially when it’s free money. If your employer offers 401(k) matching, contribute enough to max it out—it’s free cash for your retirement.

Don’t forget Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) for medical expenses; they offer tax breaks and help you prepare for future healthcare costs.

In the military? The government adds 1% of your base pay to the Thrift Savings Plan. Contributing more boosts your retirement fund and reduces taxable income — a big win early in your career.

Freelancers and business owners can secure their future with Traditional or Roth IRAs, SEP IRAs or a Solo 401(k). These options provide tax advantages and help you build long-term savings.

Face Your Financial Fears and Win

Finances don’t have to be a nightmare. Small, manageable steps can conquer your financial fears. Once you take the first step, you’ll see the real monster is uncertainty. Ready to stop running? Start small, build confidence and soon you’ll slay financial demons like a pro.These options provide tax advantages and help you build long-term savings.