Many of us talk about being “beach ready” for summer — but are your finances in shape for the season? Unlike your swimming costume, your money can’t be put away once the weather’s turned cold. Luckily, this time of year is often a great opportunity to improve our financial situation. Follow our tips, and you could achieve this.
Create a Fall budget
Is there any better time to sit back and unwind than a summer’s day? It may be the ultimate time for relaxing – but you’ll still need to keep a sharp eye on your finances. Don’t worry, though, with effective budgeting, you can do this stress-free. Most often, the best way to start is by identifying all necessary expenses you are going to encounter over the next two months.
Once you’ve weighed these up against your current balance and guaranteed incomings, you’ll be able to avoid overspending entirely. And so, you’ll be more likely to end the season in a stronger financial position.
Leave your car at home
If you’re planning fun days out this summer, you may want to leave your car at home. Aside from cutting fuel costs, by opting to use public transport, you could reap discounts and save time and money on parking and other costs. The further in advance, you book your tickets, the more money you’ll be likely to save. Better still, if you’re heading to your destination by rail, you’ll be able to avoid traffic delays completely.
Travel by train through rural or coastal areas, and you’ll have access to some fantastic views, too — just imagine the photo opportunities for your summer album.
Go on a staycation
Looking for last-minute deals on trips abroad? If so, you needn’t bother — there are plenty of holiday spots in the UK. Swap an overseas trip for a staycation, and you stand to save heaps of money. Not only will you cut out flight costs, but you won’t have to worry about exchange rates or high exchange fees when it comes to paying by card.
With plenty of free activities and exhibitions available across the UK, you’ll be able to make the most of your time away at absolutely no cost at all. Why not follow a country trail near to where you’re staying, for example? Or perhaps venture to some nearby ruins or a historical site? Research costless activities before you set off on holiday, and you’ll be able to plan a more cost-effective staycation.
Are you financially prepared for fall? Thanks to our tips, you can reply to this question with a resounding “yes”. What’s to stop you from enjoying the best — and cheapest — summer of your life?
markmunroe
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