Your money, your moves: October is the UK’s financial reset month

Autumn isn’t just for school runs and cosy nights in. For many of us, it’s a chance to shake things up. The summer spend is behind us, the days feel sharper, and Loqbox research shows October is one of the most powerful moments to reset your money mindset.

It isn’t about hibernation, it’s about making bold moves that put you back in control.

Why autumn could spark big cutbacks

We know from New Year’s resolutions that going too big, too soon, can backfire. “I’m going to stop spending so much,” sounds powerful and might make you feel in charge. But it’s vague, and that makes it almost impossible to stick to.

This autumn, you can dodge piling on the pressure with big money statements. Instead, make small money moves that bring about a real, fresh start. 

Why are we craving an autumnal money reset?

Loqbox research reveals why this time of year pushes us to rethink our habits:

Still recovering from summer costs: 1 in 5 adults borrowed or delayed payments to cover summer. Autumn gives space to ease that stress.^[1] 

Feeling the strain: 80% said they felt financially pressured over the summer. Now’s the perfect time to build a softer reset. ^[1]

Finding it harder to keep track: Only 31% regularly monitor their spending, compared with 51% last year. A small habit change now can bring back confidence.^[1]

If any of these feelings and situations resonate with you, it could be why you’re retreating from spending. Our outlook is that you don’t have to do that. Balancing life's little luxuries isn't boring, it's brilliant. 

Three ways to own your autumn resets

Loqbox suggests three simple, doable money moves to help you take control:

1. Check in with your money mindset
   Ask yourself: “Is my money supporting the life I want right now?” Write down what feels strong and what needs attention.
   
   
2. Ringfence your festive budget early
   Small, consistent amounts now mean no panic later. Decide which costs are non-negotiable and where you can trim without stress.
   
   
3. Plan your “yeses”
   Instead of obsessing over what to cut, choose the treats, experiences, or goals you definitely want to say yes to. That clarity makes it easier to say no to what doesn’t matter.

It’s your move

Autumn doesn’t have to mean survival mode. It can be the season you take charge, set sharper goals, and feel confident about where your money’s going. With Loqbox, your money, your moves, one small step at a time.

Become a Loqbox member and take the first step in your autumn money reset. 

^[1]OnePulse survey of 200 parents (any gender, aged 18–45), June 2025.

^[2]Loqbox Christmas costs questionnaire, Typeform survey of 1,962 members, December 2022.

^[3]You and your finances, Attest survey of 600 UK adults, March 2025.