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5 Easy Summer Savings Tips


It’s no secret that most people spend more in the summer. From vacations to outdoor projects, overspending can sneak up on you when the weather warms up. Saving money this summer doesn’t mean sacrificing your favorite activities- check out the following simple savings tips that can help you save money on everyday expenses to find balance in your budget for fun extras.

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Table of Contents

  1. Going on a Road Trip?
  2. Be Air Conditioning Conscious
  3. Discounts & Free Activities
  4. Prioritize Savings & Debt Payments
  5. Set Summer Savings Goals

Going on a Road Trip? Pack Your Own Food

Experiencing a new cuisine can be an exciting aspect of your vacation! However, save your dining out for when you arrive at your destination. If you’re driving, pack your own cooler with snacks, drinks, and pre-made lunches for easy access. This will save you from stopping for fast food and gas station snacks, where items are typically more expensive than at your local grocery store.

Taking a plane? Many pre-packaged snacks can be brought through TSA in your carry-on. Consider items like granola bars, dry cereal, crackers, or beef jerky to tide you over until you arrive.

Be Air Conditioning Conscious

Air conditioning units use a lot of power, especially on extremely hot days. While it’s important to keep your house at a comfortable temperature, there are a number of ways you shave a few dollars off of your monthly bill. Consider turning your AC off or holding it at a higher temperature when you’re not home.

Additionally, try turning your system off and sleeping with the windows open and a fan on during cooler nights. You should also ensure that your filters are clean. Dirty filters are a detriment to airflow and can cause your system to work harder than needed. Keeping your blinds or curtains closed during the day can keep the house naturally cooler, cutting your overall energy use.

Take Advantage of Discounts and Free Activities

Whether you’re looking to keep the kids busy with summer activities, or you’re looking to go out for a date night, take advantage of discounts or coupons. Many local attractions will offer discounts for buying tickets online rather than at the gate. You can also check with your employer, credit card company, or local visitor’s center to see if they offer any discounts for area activities.

If you can’t find a discount, some attractions offer lower admission if you attend at non-peak times, such as on a weekday or earlier in the morning. Consider free activities, such as local concert series, park visits, or public library programs.

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Continue to Prioritize Savings and Debt Payments

Despite the increased spending that summer may bring on, be sure to maintain your typical saving and debt payment routines. This will keep you on track throughout the summer and ensure that you are not depleting your accounts or missing payments. If you find yourself struggling to put in or pay the same amount as you normally would, keeping at least a small amount budgeted for these items will help you stay successful over time.

Give yourself flexibility, but prioritize growing your savings and paying off debt.

Saving Accounts

Set Summer Savings Goals

Setting goals is an easy way to kick-start summer savings. Make sure your goals are attainable and realistic for your individual financial situation. Your goals can be as simple as saving $50 from each paycheck to cutting back on eating out! Know what your financial situation is going into the summer, as well as your summer spending plans, and tailor your goals to that. If you need help examining your finances or spending habits, your bank statements can be the best place to start.

Struggling to save? Or want help with your finances? Schedule a financial fitness assessment with one of our experienced bankers!

Financial Fitness Assessment

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