Time for the final sprint of 2025 to begin. This month, SmartTips takes a look at all things autumn, from scary to sweet. Our team has content to help you tackle bloodsucking subscription fees and other hidden costs, as well as the monster hiding in everyone’s closet: cybersecurity anxiety. Don’t worry, we take the edge off with a salute to International Coffee Day and a fun roundup of horror movie trivia. Enjoy our first issue of Q4, and get ready to make a run for the holidays.