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According to a recent WalletHub survey, nearly 3 in 4 people say their financial situation impacts their mental well-being, and 69% of Americans feel insecure about their finances.

As the colder months approach, heating costs can become a significant part of your household budget. “We all need heat,” said Jeff Lowenstein, a Financial Wellness Coach at Greylock Federal, “not just to keep us safe and comfortable, but also to protect our homes.”

The holidays should bring joy. However, when every trip to the grocery store or gas station feels more expensive than the last, the season can also bring a heavy dose of stress.