Take Time Off This Summer, But Not From Your Finances
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more often. Even that short beach trip can be costly after paying for gas, food and maybe a souvenir.
school. Summer day camps are a great option, but they can be costly. If you prefer to hire a summer babysitter or nanny to care for your children in your home, the costs can be similar depending on how many hours the caregiver works and their hourly rates.
your county fair, prepare to shell out more than you might expect for a few rides and games.
lodging and multiple meals only add to your expenses. Even with the best advance planning, many people find they spend much more than they envisioned just doing things they enjoy.
Knowing your savings timeline is key. Think about when you’ll need to start saving for summer costs and put aside extra
money as early as possible, if you have that option. Also consider making a special budget for summer that includes some of the expenses listed above that apply to your lifestyle. Some budget suggestions include:
1 Figure out the largest costs of your summer trip first and decide your bucket list “must-haves.” What experiences are most important when you’re making your itinerary? Budget for airfare, hotel, food and your dream excursions, and cut back on anything else that’s outside your budget.
2 Check out freebies: Museums are often free on certain days in the summer. Plan a short day trip around those dates.
3 Look for lower-priced or no-cost children’s daytime programs offered through local recreation centers, park districts, libraries and school districts.
4 Input summer-specific expenses in an online budget calculator. If you’re doing an annual budget already, make sure to add these additional, summer-specific expenses so you know what to expect when it’s time to pay.
goals/budget
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