What Your Halloween Costume Says About Your Money Personality

Can a Halloween costume offer insight into your money personality? Probably not—but in the spirit of the spooky season, we’re doling out some ideas about how your Halloween outfit just might reflect your spending style, saving habits, investment priorities and more!

Ghost

If your Halloween costume of choice is a white sheet, you might be the type whose money has an eerie habit of disappearing. To make sure your hard-earned funds don’t “ghost” you, get stricter about tracking your spending. After a month, you can use that data to build a budget.

Superhero

Donning a cape on October 31st? In fact, you can be a money hero all year round by encouraging your friends to take advantage of free financial wellness resources in your community. Head to harvardfcu.org/thrive to check out the award-winning financial education tools available from the Credit Union.

Witch

With the power of premonition, a witch can see into the future. If a tall black hat is your costume of choice, you might be a prescient financial planner: maxing our your Individual Retirement Account (IRA) or Roth IRA each year to make the most of tax-advantaged retirement savings.

Dinosaur

Wearing a dino costume this Halloween? Make sure your money habits aren’t stuck in the ancient past! Maybe you’ve been avoiding digital platforms due to security risks—when in reality, online and mobile banking offer convenience, accessibility, and excellent protection for your funds.

Celebrity

If you’re dressing up as a pop singer or movie star, it’s a good bet that you care about staying up-to-date with the latest trends…which might also mean you tend to overspend. Remember: just because you have access to a credit card doesn’t mean you should spend above your means!

Pirate

For a pirate, saving is second nature. Whether your treasure trove is a savings account, a retirement fund or an emergency account, make sure you’re keeping your hard-earned “booty” in the right place. Check out harvardfcu.org/savings to learn more about the best way to save for vacations, earn higher interest, and get tax incentives on retirement savings.

Clown

A red nose, big shoes and a wig: the clown costume is a Halloween classic and indicates that you don’t take life too seriously. While it’s great to maintain an easygoing attitude…make sure your financial habits aren’t too fast and loose! Staying strict when it comes to budgeting means more “fun money” in the long-run.

Pumpkin

There are few costumes more classic than a big orange pumpkin. And, the dimensions of the October favorite are a reminder to everyone about the benefits of investments which are well-rounded. Minimize risk with a diversified investment portfolio, and always speak with an expert to develop the best strategy for your long-term financial goals.

Horror Movie Villain

From Freddy Krueger to Michael Myers, the most iconic horror characters make for unmistakable Halloween costumes. Unfortunately, real-life villains aren’t so easy to spot. Keep up with scam news to know what signs to look out for, and remember: scammers prey on fear and speed, so if you’re ever in doubt, end the communication and get another party involved before taking action.