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Enjoy Summer without Overspending | XL Financial Blog

Enjoy Summer Without Overspending

Posted on 06. Aug, 2014 by in Financial Planning

Summer is the time for fun in the sun, but if you are not careful, summer spending can get out of hand, depleting your savings and spoiling the party. The following tips should help you make the most of your summer without breaking the bank.

Start with a budget. Figure out how much you have to spend, and stick to it. Use the tools at your disposal to make budgeting easier. Most banks offer online services that help you track spending, and some even offer budget calculators and other useful tools.

Once you have an idea how much money you can spend, find ways to squeeze as much fun out of it as possible. There are many ways you can limit your summer spending. For example, instead of buying expensive concert tickets, check your local paper for free concerts. Many cities offer all kinds of music, theater and even comedy performances in parks and other public places all summer long.

Also, skip the expensive multiplex, and opt for a second run theater. Chances are the movie you never got around to seeing will be there at a fraction of the cost. Plus, many of these theaters offer tasty, inexpensive food, as well as beer and wine.

Look for other deals too. Museums, amusement parks and classy restaurants routinely offer discount coupons online. Some even offer free or reduced admission days. And instead of opting for a pricey dinner, visit your favorite restaurant or bar during happy hour and fill up for less.

Finally, remember that the outdoors is still free, for the most part anyway, so get out and hike the trails, swim the lakes and kayak on the rivers. By the end of the day, you will be too tired to overspend.

Then, if August rolls around and you have managed to curb your summer spending, go out and splurge a little by having a carefree night on the town. You will have earned it.

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