10 Ways To Budget During The Summer (and still have fun!)

A hand is placing a coin into a blue piggy bank with a smiling face.

Summer is a time of year that many people look forward to, as it offers the opportunity to enjoy warm weather, outdoor activities, and time spent with family and friends. However, it can also be an expensive time of year, with the cost of vacations, entertainment, and other activities adding up quickly.

Therefore, budgeting during the summer is an essential way to manage expenses and still have fun without breaking the bank.

Here are 10 ways to budget during the summer and still have fun.

Plan Ahead and Set Goals

Creating a budget for summer activities is essential. Listing out all the summer activities and estimating their costs, prioritizing activities based on personal interests and budget, and setting a realistic budget for each activity can be helpful. Identifying what is important for the summer season, defining specific goals for each activity, and aligning goals with budget constraints can help prioritize the most important activities.

Creating a savings plan for summer activities, determining how much money to save each week or month, automating savings by setting up automatic transfers or using budgeting apps, and tracking progress toward savings goals can also be useful.

Save on Food Expenses

Meal planning and preparation can reduce waste and save money. Making grocery lists based on planned meals, cooking in bulk, and freezing leftovers can help save time and money. Eating out less frequently, limiting eating out to special occasions, opting for cheaper restaurants or fast-food chains, and using coupons and promo codes for discounts can also help. Taking advantage of sales and promotions, shopping for groceries during sales and promotions, using loyalty cards for additional discounts, and buying in bulk to save money, in the long run, can be beneficial.

Outdoor Activities

If you’re looking for ways to get outside and enjoy the warm weather without breaking the bank, there are plenty of options available to you. From exploring your local park’s hiking trails to taking a leisurely stroll around a nearby lake, outdoor activities can be both rejuvenating and budget-friendly. Also, don’t forget to check out community events and festivals in your area, which often offer free entertainment and activities for all ages. By taking advantage of all that nature has to offer, you can soak up the sun, stay active, and create cherished memories with family and friends all summer long.

DIY and Crafting

Finding inspiration for DIY projects online, using materials you already have at home, upcycling old items to create something new, donating items you no longer need, shopping at thrift stores and garage sales for DIY materials, and creating handmade gifts and decorations are all budget-friendly and creative ways to spend time during the summer.


Walking or biking instead of driving, carpooling with friends and family, using public transportation, taking the bus, train, or subway, using discounted public transportation passes, and saving money on parking fees and car maintenance can all help save money on transportation during the summer.


During the summer, it’s essential to stay entertained, and this can be a significant expense. However, there are still many ways to have fun without breaking the bank.

Streaming services like Netflix, Hulu, and Amazon Prime offer free trials to new users. You can sign up for a free trial and enjoy your favorite movies and TV shows for free. You can also share your streaming account with friends or family, which can split the cost and save you money. In addition, your local library can be an excellent source of entertainment. You can borrow books, movies, and games for free. You can also request specific items from the library’s collection, and they will order them for you. Many libraries also offer free events and activities that you can participate in.

Hosting a game night or potluck is an excellent way to have fun with friends and family without spending a lot of money. Ask each guest to bring a dish or drink to share, and you can play board games, card games, or video games for free entertainment.


Traveling during the summer can be costly, but there are ways to travel on a budget. Researching budget-friendly travel destinations, planning travel during off-peak seasons, and choosing destinations with low-cost activities and attractions can save you a lot of money. In addition, staying at hostels, campsites, or homestays or sharing accommodations with friends or family can help you save money on lodging. You can also use discount websites for lodging reservations.

Earning travel rewards through credit card purchases and redeeming points for flights, hotels, and rental cars can save you a significant amount of money. You can also find discounts on travel-related expenses through memberships and loyalty programs.

Personal Finance Tools

Managing your finances can be overwhelming, but there are many tools and resources available to help you budget during the summer. Downloading personal finance apps for tracking expenses and budgeting, using spreadsheet software to manage finances, and using online calculators to estimate costs and savings can help you stay on track. Keeping track of expenses through apps or spreadsheets and checking progress towards savings goals regularly can help you make adjustments to your budget plan as necessary.

Using budgeting apps to help create and stick to a budget, consulting online resources for personal finance advice, and seeking help from financial advisors or counselors as needed can help you achieve long-term financial health.

The Bottom Line

To sum it all up, budgeting during the summer is crucial for your long-term financial health. By planning ahead and setting goals, saving on food expenses, exploring free outdoor activities and events, DIY, and crafting, choosing budget-friendly transportation, finding low-cost entertainment, traveling on a budget, and utilizing personal finance tools, you can still have fun without breaking the bank.

Remember to prioritize your summer activities based on your interests and budget, and create a savings plan to track your progress towards your savings goals. Starting early and sticking to a plan can help you enjoy summer activities without financial stress and develop lifelong budgeting and saving habits.

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