The Risk of Putting Your Finances on Autopilot

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Automation makes it easy to manage your finances. Direct deposit, autopay and automatic transfers into your savings takes tasks off your plate, and for many – that hands-off approach is exactly what keeps their money on track.

However, when everything runs completely on its own – it’s easy to stop paying attention altogether. Keep reading to find out what to watch for, and how to stay in the loop with your finances without giving up the convenience.

You Can Lose Touch with Your Spending

When your bills pay themselves and your paycheck splits itself into savings, it’s easy to stop looking at where your money actually goes. You can miss patterns you would otherwise catch, like a forgotten subscription or a spending category creeping up month over month.

Automated savings can fall behind too. If you set a transfer amount once and never revisit it, it won’t grow when your income does. Say you set up a $50 automatic transfer into savings two years ago. After a raise, that same $50 is a smaller share of your paycheck than it used to be, even though the transfer still shows up every payday.

Set a recurring reminder monthly or quarterly, to review your accounts and see where your money is really going. Our Home Budget Calculator is a good place to start.

Overdrafts and Fees Can Sneak Up on You

Automation removes some of the manual work, but not the responsibility of knowing your account balances. If a payment goes out before your paycheck lands, or if you have more automatic payments scheduled than your account can cover that week – you could end up with an overdraft plus a late fee or returned payment fee from the biller.

This often happens right after a change in pay schedule or a new autopay you set up for a service. Checking your account balance, upcoming transactions, and payment timing regularly helps you catch these mismatches before they turn into fees.

Errors and Fraud are Easier to Miss

A missed decimal point, a duplicate charge or an extra zero can happen, and automated systems do not always catch these mistakes on their own. Fraud can be even harder to spot, since scammers often start with small charges that don’t raise a red flag – hoping you won’t notice before they move on to bigger ones. When your bills still get paid, and your balance still looks roughly right at a glance, nothing prompts you to look closer unless you already are.

A quick weekly glance at your transaction history is one of the simplest ways to catch something before it grows. Visit our blog’s Important Alerts & Scams page to stay up to date on the tactics scammers are using right now.

Your Plan Can Get Outdated Without You Noticing

Automation is built to run the same way every time, but your finances are not static. A new job, a move, a new family member or a paid-off loan can all change what your money should be doing, and none of those changes will update your automatic transfers on their own.

When you pay off a loan, automation will not redirect that freed-up money into savings, another debt or another goal for you. Treat every major life change as a cue to revisit your automatic settings, not just your budget.

Automation and Oversight Work Better Together

Automating your finances is still one of the best tools available for building good money habits, especially when you pair it with a regular check-in.

If you have been hands-off for awhile, start small. Review your accounts at least once a week for the first month, then shift to once a month. A short check-in does not need to take long. Each time, look for:

  • Charges you don’t recognize or can’t place.
  • Subscriptions or automatic payments you no longer use or need.
  • Savings transfers that have not kept pace with your income.
  • Life changes that may update your automatic settings.

Automation and oversight are not opposites. Together, they give you the convenience without losing sight of your money.

For more financial tips like these, subscribe to our First Scoop Blog.

Insurance Needs Assessment for Empty Nesters and Retirees

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With children out of the house, financial priorities become more focused on preparing for retirement. At this stage, you may very likely be at the height of your earning power and fast approaching peak savings as you lay the groundwork for retirement. During this final leg to retirement, and throughout your retirement period – wealth protection is critical.

The preservation of your assets may not be solely a function of your investment strategy, but may include a comprehensive insurance approach to protect you against an array of financial risks – most especially health care.

In addition to wealth protection, you can also now be seriously contemplating a number of important estate and legacy objectives.

Home

Even though your mortgage may be paid off, and thus released of the lender’s requirement to have homeowner’s insurance – it remains important to consider coverage against property loss and exposure to personal liability. Now is an ideal time to review your policy as the cost of replacing your home and the belongings contained therein, may have grown over the years.

Also, consider an umbrella policy, which is designed to help protect against the financial risk of personal liability.

Health

There are several key health insurance issues facing empty nesters and retirees.

If you retire prior to age 65 when Medicare coverage is set to begin, you will need coverage to bridge the gap between when you retire and when you turn 65. If your spouse continues to work, you may want to consider getting yourself added to his or her plan, though you may need to wait until the employer’s annual enrollment period.

Alternatively, you also may purchase coverage through a private insurer or through HealthCare.gov (or your state’s program, if available).

Once you enroll in Medicare, you should consider purchasing Part D of Medicare, the Medicare Prescription Drug Plan – which can help you save money on prescriptions.

Additionally, you may want to consider other Medigap insurance, which is designed to pay for medical care not covered by Medicare. Medigap plans are bought through private insurance companies and best purchased within the first six months of turning age 65, in an effort to get the best price and the most choices.

Disability

This coverage may continue until you retire. When you stop working, you should consider canceling your disability insurance as the need for it has expired.

Life

The financial obligations that drove your life insurance needs while you were raising a family may have evaporated. However, you may find new needs arising from estate issues, such as liquidity, creating a legacy, etc.

Several factors will affect the cost and availability of life insurance – including age, health and the type and amount of insurance purchased. Life insurance policies have expenses, including mortality and other charges. If a policy is surrendered prematurely, the policyholder also may pay surrender charges and have income tax implications. You should consider determining whether you are insurable before implementing a strategy involving life insurance. Any guarantees associated with a policy are dependent on the ability of the issuing insurance company to continue making claim payments.

Extended Care

For some, extended care insurance is a priority in this stage of life. With the expense of children in the rearview mirror, you can now turn your focus to buying protection against potentially the most significant healthcare expense you are likely to face in retirement.

Designed to pay for chronic, long-lasting illnesses and regular care, whether in home or at a nursing home – extended care insurance coverage is critically important since most of these costs are not covered by Medicare.

Questions about this topic or interested in setting up a time to talk? Contact First Financial’s Investment & Retirement Center by calling 732.312.1534.  You can also email maureen.mcgreevy@lpl.com

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. First Financial Federal Credit Union (FFFCU) and First Financial Investment & Retirement Center are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using First Financial Investment & Retirement Center, and may also be employees of FFFCU. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of FFFCU or First Financial Investment & Retirement Center.

Securities and insurance offered through LPL or its affiliates are:

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright FMG Suite.

Avoid Debt Collection Scams: Know the Red Flags Before You Pay

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Getting a call, text or email saying you owe money can be stressful, especially when the person contacting you demands immediate payment or threatens serious consequences if you don’t comply. That’s exactly the reaction scammers want.

Debt collection scams often involve fraudsters pretending to represent legitimate collection or government agencies, or lenders. They may claim you owe a debt that doesn’t exist, exaggerate the amount you owe, or try to collect information they can use for identity theft. The Office of the Comptroller of the Currency (OCC) warns that these scammers often rely on threats and intimidation to pressure consumers into paying before they have time to ask questions.

A call about a debt doesn’t automatically mean it’s a scam. But before you pay or share personal information, take a few steps to verify who’s contacting you and whether the debt is legitimate.

Red Flag #1: You Don’t Recognize the Debt

Don’t assume you simply forgot about it. Ask for the creditor’s name, the amount owed and how you can dispute it. A legitimate collector generally must provide this validation information during the initial communication or within five days. Don’t share additional personal details just because the caller already knows your name or address, scammers often gather that information from data breaches or social media.

Red Flag #2: They Threaten to Have You Arrested

Scammers often create urgency by claiming police are on the way, a warrant will be issued, or you’ll be arrested if you don’t pay immediately. That’s a major warning sign. The OCC identifies threats involving arrest, lawsuits, or immediate wage garnishment as common tactics used in debt collection fraud. Federal law prohibits legitimate collectors from using abusive or deceptive practices to collect a debt.

Red Flag #3: They Won’t Give You Details in Writing

A legitimate collection process should come with information you can review. If a caller refuses to provide validation information, becomes evasive, or claims you aren’t entitled to documentation, stop the conversation. If you receive validation information and believe the debt isn’t yours, you generally have 30 days to dispute it in writing, and the collector must stop collection activity until they have a response. Keep copies of letters, emails and notes from any phone conversations.

Red Flag #4: They Demand an Unusual Form of Payment

Be especially cautious if someone insists you pay using gift cards, person to person payments (aka: Zelle, Venmo), prepaid cards, or wire transfers. The OCC identifies these payment demands as a common warning sign, since scammers prefer methods that are difficult to reverse or trace. Do not pay via these payment methods.

Red Flag #5: They Ask for Sensitive Information You Weren’t Expecting to Provide

Never give an unsolicited caller your Social Security Number, online banking password, PIN or other sensitive financial information, even if they claim they need it to “verify your identity.” Look up the company using a trusted source rather than a number or link the caller provides, or contact a creditor you recognize directly using information from a past statement or its official website.

Before You Pay, Slow Down and Verify

Scammers count on creating panic. Giving yourself time to verify the situation can be one of your strongest defenses. If someone contacts you about a debt:

  1. Ask who is calling. Get the collector’s name, company name and contact information.
  2. Ask for validation information. Review the creditor’s name, amount owed and your right to dispute the debt.
  3. Check your own records. Compare the claim with statements, payment records and your credit report.
  4. Contact the original creditor when appropriate. Ask whether the account was sent or sold to the collection agency.
  5. Don’t pay because of a threat. Take time to determine whether the request is legitimate.
  6. Keep records. Save letters, emails, texts and notes in case you need to dispute the debt or report it.

What About Companies Offering to “Erase” Your Debt?

Fake debt collectors aren’t the only debt-related scam to watch out for. The Federal Trade Commission warns consumers to be skeptical of companies that guarantee they’ll settle all of your debt or promise fast loan forgiveness, especially if they demand payment before providing service. Research an organization and understand its fees before enrolling, and consider speaking with a reputable credit counseling organization if you’re exploring debt relief options.

What to Do if You Suspect a Debt Collection Scam

Don’t send money or share additional personal information. You can report suspected debt collection fraud to the Federal Trade Commission, the Consumer Financial Protection Bureau or your state’s attorney general. If you already shared banking or account information with a suspected scammer, contact your financial institution right away.

Protect Your Information and Your Finances

A demand for money can feel urgent, but you don’t have to make a financial decision on someone else’s timeline.

  • Pause.
  • Ask questions.
  • Verify the debt.
  • Confirm who you’re dealing with before sharing information or making a payment.

First Financial offers additional resources to help members recognize scams, prevent identity theft and protect their financial information. Visit our First Scoop Blog for the latest on scams targeting consumers.

If you believe information associated with one of your First Financial accounts has been compromised or you notice suspicious account activity, contact First Financial directly at 732.312.1500.

It’s National Preparedness Month: Build a Financial Emergency Kit

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September is National Preparedness Month, an annual observance across the U.S. that encourages individuals, families, and communities to be proactive in preparing for emergencies. Disasters take many forms, but all have the same impact – unexpected and sometimes costly disruptions in your day-to-day life. Emergencies are typically unpredictable, but you can help your family be more resilient by being prepared. Check out these tips for being financially prepared, should a disaster strike.

Protect Important Documents and Valuables

Once the immediate danger passes, important documents and records will be essential for kickstarting your recovery. Every household should take inventory of these items in advance and evaluate how they can protect them.

The Federal Emergency Management Agency (FEMA) breaks these documents and records into 5 main categories. Review their checklist for a full list of documents that might apply to your household and how to safeguard them.

  1. Household Identification: These are documents you would need to identify yourself and members of your household.

– Vital records pertaining to births, marriage, divorce, and adoption papers.

– Personal identification, such as a passport, driver’s license, green card, and Social Security card.

– Military service records.

– Pet ownership papers and/or identification tags.

  1. Financial and Legal Identification: These documents would help if your home, vehicle, or income was impacted by the disaster.

– Housing documents, such as lease/rental agreement, mortgage information, and deed.

– Insurance policies, such as homeowner’s or renter’s, life, and auto.

– Vehicle documents, such as loan information, VIN, and registration.

– Financial accounts.

– Tax statements.

  1. Medical Information:

– Health/dental insurance.

– Physician information, in case medical care is needed.

– List of medications, immunizations, allergies, prescriptions, medical equipment/devices.

  1. Emergency or Hotline Contact Information: Employers/supervisors, schools, houses of worship, social service providers, Homeowner’s Associations, and home repair services.
  2. Valuables and Important Personal Items: Priceless personal mementos like family photos and keepsakes, and possessions with monetary value (jewelry and art).

Once you’ve gathered your important documents and records, it’s important to store them in safe locations. Consider storing paper copies in a fireproof/waterproof box or safe, and electronic documents in a password-protected format or on a removable flash or hard drive (stored safely so it’s protected from water or fire damage).

Check out FEMA’s Emergency Financial First Aid Kit for more detailed checklists and guidance on collecting and safeguarding your household’s important information.

Review Insurance Policies and Financial Paperwork

It’s important to periodically review insurance policies and other financial paperwork to ensure it is current and accurate. For insurance policies, this can help you understand what may be covered under your policy, identify any gaps in coverage, and simply confirm you have the necessary information needed to quickly process any claims in the event of an emergency.

Equally as important – reviewing these documents can help you identify any outdated information, which can affect your protection during an emergency.

Consider an Emergency Fund to Use in a Crisis

An emergency fund is a dedicated savings account to cover urgent expenses that arise from unexpected situations – anything from job loss to a natural disaster. A natural disaster like a hurricane, flood, or earthquake, can cause unforeseen expenses such as short-term lodging, home repairs, and even daily essentials. An emergency fund can help you maintain stability and avoid turning to high-interest debt. It can also give you peace of mind – reducing stress and uncertainty during a time where the focus is on recovery.

Additionally, it’s important to keep a small amount of cash at home in case of a disaster, as ATMs and credit cards may not work in the event of extended power outages – should you need to purchase supplies, fuel, or food.

Consider Electronic Options

Certain disasters can cause disruptions to mail service that may last days or weeks. If you rely on income or federal benefits – consider switching to electronic payments to continue receiving your income as expected. This can also help you meet your financial obligations, if you normally make any utility or loan payments through regular mail.

Ensure that your online and mobile banking services are set up – provided you have power or WiFi and still have access to those services. This can help you maintain financial access when traditional banking services may be inaccessible or unavailable.

While emergencies and disasters are unpredictable, it’s important to expect the unexpected. Financial preparedness doesn’t have to be costly – but being unprepared for a disaster can be.

Subscribe to our First Scoop Blog for more financial resources and tips like these delivered right to your inbox.

The Reality of Childcare Costs: Ways to Save as a New School Year Begins

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A new school year can bring a welcome return to routine, but it can also bring a fresh round of expenses. Between school supplies, new clothes, extracurricular activities, lunches and after-school care – September can put added pressure on a family’s budget.

For families who rely on childcare, those costs can represent a large part of their budget. Child Care Aware of America reported that the national average annual price of childcare reached $13,184 in 2025. That represented about 10% of the median income for married couples with children and 33% for single-parent households.

The start of a new school year is a good opportunity to take a closer look at what you’re paying for care and where you may be able to save.

1. Reevaluate What Care You Actually Need

Your childcare needs during the school year may look very different from your summer schedule.

Take a fresh look at your family’s weekly routine. Do you still need full-day care, or could you switch to a before or after-school program? Are there certain days when a parent or caregiver has more flexibility? Can work schedules be adjusted so you need fewer hours of paid care?

Even reducing paid care by a few hours each week can add up over the course of a school year. Be sure you understand your provider’s policy before changing your schedule. Some childcare centers charge a flat weekly rate regardless of how many hours your child attends.

2. Compare Total Cost, Not Just the Weekly Rate

Childcare costs can vary considerably depending on where you live, your child’s age and the type of care you choose. Center-based care, family childcare homes, nannies, babysitters and school programs may all have different pricing structures. A provider with a slightly higher base rate could ultimately cost less if more services are included.

When comparing your options, look beyond the advertised weekly or monthly rate. Ask about:

  • Registration or enrollment fees
  • Charges for early drop-off or late pickup
  • Meals and snacks
  • Transportation
  • School closure or holiday coverage
  • Activity or supply fees
  • Sibling discounts
  • Whether you still pay when your child is absent

3. Check Your Employee Benefits

Your employer may offer benefits that can help make childcare more affordable.

One option to investigate is a Dependent Care Flexible Spending Account, or FSA. These accounts allow eligible employees to set aside pre-tax income for certain dependent care expenses.

For 2026, the annual dependent care FSA limit increased to $7,500 for eligible households, or $3,750 for married individuals filing separately. Because you generally contribute the money before federal income taxes are calculated, using an FSA may reduce the overall cost of eligible care. The IRS has more details on how dependent care FSAs may work alongside other tax benefits.

Some employers also offer discounted rates with local childcare providers or flexible scheduling options.

4. See Whether You Qualify for a Tax Credit

Depending on your circumstances, you may also qualify for the Federal Child and Dependent Care Credit.

The credit may be available to individuals who pay for care for a qualifying child or dependent so they can work or actively look for work. For 2026, eligible expenses generally remain capped at $3,000 for one qualifying individual or $6,000 for two or more. The actual value of your credit will depend on several factors, including your income and eligible expenses.

Tax rules can be complicated, particularly if you also contribute to a dependent care FSA. Consider speaking with a qualified tax professional about which benefits you may be eligible to use and how they work together.

5. Research State and Local Assistance

Families may also qualify for programs that help cover a portion of childcare expenses. New Jersey’s Child Care Assistance Program may be able to help eligible families pay for childcare while parents work, attend school or participate in approved training programs. Eligibility and benefits depend on factors such as household income and family circumstances.

6. Create a Backup Care Plan Before You Need It

A school closing, sick caregiver or unexpected schedule change can quickly turn into an expensive last-minute scramble.

Before the school year gets into full swing, make a list of your backup options. This could include trusted relatives, friends, neighbors, babysitters, or school programs. Knowing whom you can call and when they are available can help you avoid paying premium rates for last-minute care.

7. Make Child Care Part of Your Monthly Budget

Childcare is often one of a household’s largest expenses, so it deserves its own place in your monthly budget.

Start with what you realistically expect to spend each month, then include additional costs that may pop up during the school year, such as school vacations, summer break, registration fees and occasional babysitting. First Financial’s Home Budget Calculator can help you map out where childcare fits within your larger monthly spending plan.

Next, review the rest of your spending. Look for expenses you can temporarily reduce, cancel or renegotiate rather than automatically putting the difference on a credit card. Small adjustments to dining out, subscriptions, entertainment or other flexible spending categories can help create additional breathing room.

Remember to protect your longer-term financial goals when possible. Cutting out deposits toward your emergency savings may ease this month’s expenses, but leave you more vulnerable when the next unexpected cost arrives.

Give Your Family’s Budget a Back-to-School Checkup

Childcare is a significant expense for many families. The goal isn’t necessarily to find the cheapest option. It’s to find safe, reliable care that works for your family while making the most of the resources available.

As the new school year begins, take some time to review your care schedule, employer benefits, assistance programs and your monthly budget. A few changes today, could make managing care costs a little easier throughout the school year.

For more budgeting tips, visit our First Scoop Blog.

Things to Do on a Budget in Monmouth & Ocean Counties this September 2026

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We say goodbye to summer and hello to fall in September – and there’s plenty of activities to make the most of both this month! Check out these family and budget-friendly events happening in Monmouth and Ocean Counties this September.

Be sure to check dates, times, locations, and weather for any of the events you plan to attend, as details may be subject to change.

September 2

Freehold | Fall Concert Series | 7:30pm-9:30pm

The leaves aren’t the only things changing this season – the tunes each week are too! Head over to the Hall of Records to enjoy a different concert every Wednesday through October 14th. There is no entry fee to attend – all you’ll need to enjoy the concert is a lawn chair. View the concert lineup.

September 4

Asbury Park | Ghosts & Legends of Downtown Tours | Begins at 8pm

This immersive, spine-chilling walking tour takes you beyond the boardwalk and into the haunted heart of Asbury Park’s downtown. Explore Asbury Park’s spooky past through stories about historic buildings, forgotten tragedies, restless spirits, and local legends. Tours are offered Thursdays through Saturdays and are appropriate for all ages. Guests are asked to be comfortable taking a leisurely 60-75 minute/0.5-mile walk. Tickets are $27.28 per adult and $21.83 per child ages 11 and under, including taxes and fees.

September 5

Oceanport | BBQ & Craft Beer Festival | 11am-5pm

Kick off Labor Day Weekend enjoying two things that scream summer – barbeque and craft beers (ages 21+). With over 40 craft beers and 20 food vendors, you’ll be glad you have three chances to try and sample it all – on September 5th, September 6th, and September 7th. For those ages 21 and over, you can enjoy a beer tasting of 10 two-ounce samples for $20. The festival also features free family activities including a bounce house, pony rides, face painters, and clowns. If you’re here for the horse racing, the live races begin at 12:50pm. General admission is $7, and children 12 and under attend free.

Keansburg | Floatopia | 12pm-8pm

Grab your biggest, funniest, and most creative inflatable and float out of summer at Keansburg Beach. Aside from floating in the bay – there will be live entertainment, delicious food trucks, a cornhole tournament, games and activities, and a spectacular fireworks display to end the evening. There is no entry fee to attend, but there will be items available for purchase.

September 6

Point Pleasant | Beach Parade & Block Party | 10am-3:30pm

This birthday celebration was 250 years in the making – so you’ll definitely want to add it to your Labor Day Weekend plans! The day begins with a parade down Arnold Avenue, from Shore Pools to the Bandshell. After the parade, enjoy an afternoon of patriotic fun with family-friendly games and activities, tasty food, live music, and a Revolutionary War Reenactment. There is no entry fee to attend, but there will be items available for purchase.

September 7

Point Pleasant | Labor Day Fireworks | 9:30pm

Want to enjoy one last fireworks celebration at the Jersey Shore? Head over to Point Pleasant Beach for their last fireworks display of the season. Before the fireworks, you can enjoy all the activities the boardwalk has to offer, such as rides and games or one of the various dining options. There is no entry fee to enjoy the fireworks display.

September 12

Toms River | Sailfest | 10am-10pm

You’ll have a boatload of fun with your family and friends at Sailfest, along River Avenue. Known as the largest sailing festival in New Jersey – it attracts thousands from all over the East Coast to spectate sailing races, enjoy live music and family activities (plus a kids’ zone for your youngsters), visit food trucks, shop over 130 local vendors, and more. There is no entry fee to attend, but there will be items available for purchase.

Lacey | Fall Festival | 10am-6pm

There’s no place like fall at Argos Farm! Pick the perfect pumpkin straight off the vine, find your way through a corn maze, try all the fun attractions, sample tasty seasonal treats, and more. Pricing will be available on the farm’s website. The Fall Festival welcomes visitors on Saturdays and Sundays beginning September 12th, with expanded hours of operation beginning in October.

September 13

Freehold | Fall Festival | 10am-4pm

If you’ve already enjoyed a PSL, you may as well start getting in the fall spirit, too! Get a head start on enjoying autumn at Oakley Farm – with family-friendly activities and crafts, live music, food vendors, and tours of the historic grounds. There is no entry fee to attend, but there will be items available for purchase.

September 19

Point Pleasant | Festival of the Sea | 10am-7pm

Downtown Point Pleasant will have all the seafood classics under one roof (or in this case, the sky) at their 48th Annual Festival of the Sea. Don’t let the name fool you – there will also be 250 craft vendors, a beer garden (for those 21+), live music, family-friendly games and activities, and more. There will be free shuttles between the festival and select parking locations. There is no entry fee to attend, but there will be items available for purchase.

Howell | Howell Day and Green Fair | 3pm-8pm

Head over to Soldier Memorial Park for a fun-filled community celebration, soaking up the last days of summer! There will be live music, inflatables and mechanical rides, touch-a-truck and demonstrations, craft and merchandise vendors, food, and more. The fair ends with a fireworks display at dusk. There is no entry fee to attend, but there will be items available for purchase.

September 20

Long Branch | Uptown Broadway Fest | 3pm-6pm

Enjoy the excitement of Long Branch’s Broadway (between Washington & Norwood)! Spend the day enjoying live music, a fashion show, contests, games, tasty bites from local favorites, and other hometown fun. There is no entry fee to attend, but there will be items available for purchase.

September 25

Toms River | Saint Barbara’s 54th Annual Greek Festival | Begins at 12pm

Saint Barbara’s Annual Greek Festival is your passport to the Mediterranean – taking place at various times from Friday through Sunday. There will be authentic Greek eats, traditional dances, live musical performances, games and entertainment, vendors, and more. There is parking at Ocean County College with a free shuttle service to the festival. There is no entry fee to attend, but there will be items available for purchase.

September 26

Ocean Township | Fall Fest | 10am-3pm

Head over to Joe Palaia Park to enjoy all the classic fall activities! The whole family can experience musical entertainment, pumpkin painting, fire truck rides, a vendor and craft fair, and more. There is no entry fee to attend, but there will be items available for purchase.

Tinton Falls | Community Day | 3:30pm-8:30pm

The 250th Anniversary celebrations aren’t over just yet! Commemorate this special year by enjoying a patriotic, fun-filled day at Sycamore Recreation Complex. Bring the whole family to enjoy activities, entertainment, food trucks, and a spectacular drone show display. There is no entry fee to attend, but there will be items available for purchase.

September 27

Holmdel | Harvest Home Festival | 11am-5pm

Celebrate fall like it’s the 1800s at Historic Longstreet Farm. You’ll take on the role of a neighbor – helping with the harvest and socializing with others, by participating in farm-fun activities such as wagon rides, unique games, craft demonstrations, and more. There is no entry fee to attend.