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Your Financial Planner October

Your Financial Planner-October   

October is Financial Planning Month, a time to take a look at your yearly spending AND saving habits:

  • Is your retirement savings sufficient? Have you made the maximum contributions allowed for in 2021?
  • Do you have an emergency fund?
  • Are you continuing to pay down debt (mortgage not inclusive)?
  • Create a budget for the upcoming holidays.

Important financial date(s) in October:

  • Oct. 15: Extended Individual Tax Returns Due.
  • File for FAFSA (Federal Student Aid) for the 2021-2022 student year. You can begin filing on October 1 and many schools will award on a first come, first serve basis.

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World Mental Health Day-October 10

World Mental Health Day-October 10

HOW TO OBSERVE #MentalHealthDay

While not everyone faces a life with mental health issues, mental health impacts all of us. That’s why discussing mental health with your loved ones is a vital part of this observance.

The World Federation for Mental Health organizes World Mental Health Day. Each year, organizations host a variety of events all around the world to increase awareness about mental health issues. Events include educational seminars, free mental health screenings, walk-a-thons, marathons, conferences, mass media promotions, and public service announcements.

If you know someone who struggles with a mental health disorder, World Mental Health Day is a great way to reach out to them. While many people don’t feel comfortable talking to others about their diagnosis, knowing they have someone to reach out to makes a real difference. You can also donate to an organization that advocates for mental health. A few include the National Alliance on Mental Health (NAMI) and the Brain and Behavior Research Foundation. If you think you might have a mental health disorder or are at a high risk of getting one, schedule an appointment with your doctor.

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National Chocolate Cupcake Day-October 18

National Chocolate Cupcake Day-October 18

Who doesn't love a cupcake? And a chocolate cupcake, no less. The history of cupcakes can be traced back tp 1796 when a recipe, written in American Cookery, by Amelia Simmons, made note of "...a cake to be baked in small cups" thus heralding the birth of one of America's favorite treats.

Celebrate National Chocolate Cupcake Day by baking (and sharing) your favorite cupcake recipe or by trying one of the yummy recipes linked below.  Cupcakes are a sure way to bridge the gap between the ages and by producing a smile with every bite. Happy baking!

Super Moist Chocolate Cupcake recipe

Dark chocolate Cupcake recipe

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Happy Halloween!


The observance dates back to an ancient pagan harvest festival marking the end of summer and the beckoning of winter. Seasons overlapped during Samhain (pronounced sah-win), and revelers believed the worlds of the living and the dead crossed. The living would wear costumes and light bright bonfires to help protect them, allowing them to interact with the spirits.

Similar celebrations honoring the dead took place in Roman traditions, which were gradually blended and soon replaced the Celtic ceremonies.  However, All Martyrs Day, established by Pope Boniface IV in 609 A.D., was eventually moved by Pope Gregory III to November 1. Later, it became known as All Saint’s Day. The eve of this celebration became known as All Hallows Eve or Halloween.

Through the Colonial era in America, Halloween celebrations were considered taboo due to religious beliefs. By the Victorian era, though, Halloween traditions featured fall festivals, parties, and foods involving communities and neighborhoods.

Information from the national day calendar: