Summer Savings Tips: Making the Most of Your Budget

With the warmer months often comes an increase in spending, whether it’s on vacations, outdoor activities, or cooling your home. However, with strategic planning and smart choices, you can enjoy the season without derailing your budget. At ARK Financial Wellness, we believe that financial health and enjoying life are not mutually exclusive. Here are some practical tips to help you make the most of your budget this summer!

Budget-Friendly Vacation Ideas

Instead of splurging on expensive travel, consider a staycation. Exploring local attractions such as parks, museums, and historical sites can be an enjoyable and cost-effective alternative to traveling far. Many of these places offer free or discounted admission for residents. Planning activities in your local area allows you to enjoy new experiences without the added costs of travel and accommodation.

If you do plan to travel, try to do so during off-peak times. Airfare and hotel rates are often lower during weekdays and outside of traditional vacation periods. Planning your trip for early or late in the season can result in significant savings. Additionally, embrace the great outdoors with camping, hiking, swimming, and other outdoor activities.

            Here are 7 Creative Activities to Guarantee Happy Campers this Summer

1. Backyard camping – Set up a tent in the backyard and have a camping adventure under the stars. Roast marshmallows, tell stories, and enjoy the simplicity of being outdoors together.
2. DIY water park – No pool? No problem! Create your own water park in the backyard with sprinklers, water balloons, slip ‘n’ slides, and kiddie pools. It’s a fun and refreshing way to beat the summer heat.
3. Outdoor movie night – Set up a projector and screen in the backyard, grab some blankets and popcorn, and enjoy a movie night under the stars. Let each family member take turns choosing their favorite film — here are a few suggestions to get you started.
4. Plant a garden – Gardening is a great way to teach children about the cycle of life, nature, and the science of plants. Plus, if you plant vegetables or herbs, you’ll have fresh produce to enjoy. The easiest ones to grow? Bell peppers, blackberries and raspberries, cabbage, and cucumbers.
5. Visit nearby state parks and museums – In the busyness of the school year, it’s easy to overlook the place you call home. Take advantage of the beautiful weather this summer and plan a day trip to explore a nearby state park. It’s a great opportunity to experience nature, take memorable photographs, and maybe spot some wildlife.
6. Serve your city – Dedicate a day (or more!) to volunteer as a family, engaging in activities that contribute to the well-being of your community, such as local clean-ups, helping out at a community garden, or offering your skills and time to a neighborhood project. Find family-friendly opportunities near you here.
7. Plan a “Yes Day” – Set aside a day where you say “yes” to your kids’ reasonable requests, whether it’s an ice cream breakfast, pillow fort construction, or a late-night movie marathon. Read more about the “Yes Day” trend here.

You might also check out STL Moms Guide to Summer in St Louis, with TONS of fun ideas around town for families, kids and adults alike!

Energy-Saving Tips for Your Home

To optimize your cooling system and reduce energy costs, consider installing a programmable thermostat. This allows you to set the temperature higher when you’re not home and lower it when you are, leading to significant energy savings. Additionally, use ceiling fans to circulate air and reduce the need for air conditioning. Make sure fans are set to rotate counterclockwise, which pushes cool air down.

Check windows and doors for gaps and seal them to prevent cool air from escaping. Simple weather stripping or caulking can improve your home’s energy efficiency. Using blinds, curtains, or shades to block out the sun during the hottest parts of the day can also reduce cooling costs.

By implementing these savings tips, you can enjoy all that the season has to offer without straining your budget. Small changes can lead to substantial savings, allowing you to fully enjoy the season while staying financially healthy. Happy summer saving!