Tonight is trick-or-treat time. But Halloween is also an adult holiday that comes with lessons all its own…
Your car is a treat to thieves. “Personal vehicles are almost twice as likely to be vandalized on Oct. 31 as on an average day,” declares the Highway Loss Data Institute (HLDI). It looked at insurance claims on this day between 2008 and 2012 and found, “The average cost per claim was $1,528.” So keep an eye on your car tonight as well as your kids.
Your pets may be scared. “Crowds of costumed trick-or-treaters can spook even the most mild-mannered pets,” says the Chicago Veterinary Emergency & Specialty Center. Based on experience in the Windy City, the center recommends keeping your pets indoors and away from the candy. And while you might figure that candles are dangerous for pets to be around, the same goes for glow sticks, ribbons, and loose string.
Teach your kids to share. “More than half of U.S. households have a rule that Halloween candy must be shared and 78 percent of parents serve as the Halloween candy gatekeepers,” reveals survey conducted by The National Confectioners Association (NCA). Also, “41 percent limit candy to a couple of pieces per day until the candy runs out while 24 percent of parents take responsibility for the candy and dole it out as they feel it’s appropriate.”
But as always, the lessons that interest us most at Consolidated Credit have to do with your money. So we read with interest a Monster.com poll that asked 4,000 employees about their “most feared workplace horrors.” They are…
- “a psycho boss” (40 percent)
- “back-stabbing colleagues” (40 percent)
- “a silent-as-the-grave workplace” (10 percent)
- “having to work into the witching hours of the night” (10 percent)
If these situations resulted in your losing your job, or getting laid off for less spooky reasons, that can damage your credit and send you into debt. Consolidated Credit has an educational report that may help, and as always, our certified credit counselors are standing by.