On Thanksgiving, many Americans will ignore the irony of stampeding through stores the very same evening that they reflected on what they’re grateful for.

Of course, Black Friday isn’t all bad – after all, this shopping day can prove successful for small businesses as well as employees who are paid time and a half for working the day of or after Thanksgiving. And for some shoppers, the adrenaline that comes with hunting for the best bargains is an annual family tradition.

If you’ve experienced buyer’s remorse, you’re familiar with the toll it can take on both your mind and your wallet. For example, have you ever tracked your spending after an eventful weekend only to find that you’ve gone over budget by a staggering amount?

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: