Halloween is fast-approaching and everything that comes with the spook-tacular season – tricks and treats, haunted houses, and costume parties galore. While some people can limit all the scary stuff to just Halloween night, other people may be haunted by personal financial crises year-round.

Living alone for the first time can be an exciting milestone. But if it’s the result of an unfortunate or unexpected life change, getting a grasp on your new financial situation can be challenging.

Although you’re adjusting to a new normal, planning for your financial future doesn’t have to be difficult. New Era Debt Solutions reveals various ways you can manage your money wisely and avoid pitfalls as you embark on this new season:

With roughly 44 million Americans facing student loan debt, you might think that carrying this post-grad debt would be the biggest financial challenge facing millennials today. In actuality, more millennials are facing credit card debt than student loan debt. Of course, paying back student loans is important but so is learning how to budget wisely and capping your credit card spending. New Era Debt Solutions reveals ways millennials can reduce their credit card debt and get a few steps closer to achieving financial freedom.

Making lifestyle changes is no easy task, but it can happen with the right amounts of dedication, patience, and planning. You are not just committing to your finances when you resolve to get out of debt. You are committing to yourself and your long-term health. New Era Debt Solutions reveals the small steps that will make a big impact in your life to get you on the right path to financial health.