Smart Summer Spending

Start with travel. Summer trips can be pricey, but there are ways to save. Look for last-minute deals or travel mid-week, when flights and accommodations are often cheaper. Consider budget-friendly options like hostels, vacation rentals, or camping. If you're looking to save even more, try a staycation and explore local attractions you may have overlooked—parks, museums, or nearby small towns can offer great experiences at minimal cost.

Entertainment doesn’t have to be expensive either. Many cities offer free or low-cost activities such as outdoor concerts, movie nights, and festivals. Community centers and libraries often host free classes or events. Nature is another great (and inexpensive) source of fun—visit local trails, lakes, or beaches for a low-cost day out. If you’re a reader, take advantage of your library’s summer programs. You’ll find new reads and free resources without spending a dime.

To avoid impulse spending, stick to a summer budget. The season brings plenty of temptations, so before you buy something, ask yourself if it’s truly necessary. Plan ahead and shop smart—take advantage of sales, coupons, and second-hand options for clothes or outdoor gear. Thrift stores, garage sales, and online marketplaces can offer great deals.

Food expenses can also sneak up on you. Instead of dining out, cook at home and plan picnics for your outings. Use fresh, in-season produce for affordable, healthy meals. Hosting potlucks is another fun and budget-friendly way to socialize—everyone contributes, and the cost is shared.

Be mindful of energy costs, too. Summer heat often means higher electric bills, but small changes can help. Use fans, keep blinds closed during the hottest hours, and spend time outdoors to reduce the need for air conditioning.

Finally, take advantage of seasonal deals, loyalty programs, and coupons. Sign up for emails or follow brands on social media to stay informed about summer promotions.

By being intentional with your spending and resourceful in your planning, you can enjoy a memorable, fun-filled summer without overspending. Often, the best summer memories come from simple pleasures—and they don’t have to cost much at all.