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Smart Ways to Save on Summer Fun

By Janelle Merritt, Certified Credit Union Financial Counselor

Staying on budget doesn’t mean missing out on fun. These simple tips can help you save money while still enjoying everything the season has to offer.

Spend Less, Explore More

Plan for the off-season.
Traveling during a destination’s off-peak time can save you a lot. For example, Colorado is busiest (and most expensive) during ski season in the winter – but it’s still beautiful in the summer, and often more affordable.

Share the sweets.
If your kids aren’t finishing full servings, consider splitting one larger treat. When my kids were younger, I’d bring extra bowls, order one large ice cream, and divide it between us. It saved money, reduced waste, and kept portions reasonable.

Pack a cooler and take a day trip.
Instead of booking a hotel, pack a picnic and enjoy a full day at a nearby destination like Lake Michigan. You’ll save on lodging and dining out while still making great memories.

Be realistic about your budget.
Maybe this year’s vacation looks different than last year – and that’s okay. Use it as a chance to talk as a family about priorities and explore new options. Try searching online for “day trips within [X miles] of [your town].” You might be surprised by what’s close to home.

Explore Michigan Activity Pass (MAP).
If you have a Michigan library card, you can access discounted or free admission to cultural destinations, parks, and recreation areas statewide. Learn more at miactivitypass.org.

Save at the movie theater.
Buying one large popcorn to share is cheaper than multiple individual bags – and refills are often quite affordable. You can also skip expensive drinks; many theaters will provide a free cup of ice water if you ask.

Everyday Budget Tips That Add Up

Avoid impulse buys.
Give yourself at least 24 hours before making a non-essential purchase. Often, the urge passes – and so does the expense.

“Half off” still means you’re spending money.
Just because something is on sale doesn’t mean you need it. Ask yourself: Would I buy this if it weren’t discounted?

Challenge unnecessary spending.
My daughter once told me, “Mom, I reject your consumerism!” – and she had a point. Now when I consider buying something I don’t need, I hear her voice – and often walk away.

Check your local library.
Some libraries offer “lending libraries” with items like sewing machines, tools, or hobby kits. It’s a great way to try something new without the upfront cost.

Track your monthly payments.
Write down what’s due and when, and check payments off as you go. Staying organized helps protect your credit score and avoids missed payments.

Try biweekly payments.
Divide monthly payments (like a car loan) in half and pay every two weeks. For example, if your monthly vehicle payment of $450 is due on June 25, pay $225 on June 11 and the remaining $225 on June 25.

Free lunch options for kids.
Many schools offer free summer meal programs. This can help reduce grocery costs while ensuring kids get a nutritious lunch. Check local schedules and let caregivers know about the option.

Saving is easier than ever.
Many grocery stores offer digital coupons you can activate by scanning a QR code or using an app. It’s an easy way to save on items you’re already buying.

Bonus Tip: Check for Built-In Discounts

You may already qualify for savings just by being part of a specific group. Look into discounts for:

• Veterans
• Teachers
• Students (gym memberships, streaming services, and more)
• SNAP recipients (community and cultural programs)

There may be additional local or national offers available. Take a few minutes to search and see what you qualify for.