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20 Amazing Budget Summer Activities

20 Amazing Budget Summer Activities

Summer is here for many of us on this side of the planet. Unfortunately, the inevitable truth is that while Summer has arrived, money is about to leave. It doesn’t have to be that way though. Even if you’re frugal and aim for low budget summer activities, you can still have lots of fun. Often, these cheaper activities turn out to be more fun and interactive than an expensive vacation.

Whether you’re a student, parent, or looking for budget activities to do with your friends over the Summer, you’ll find something you’ll enjoy on this list of things you can do without emptying the bank account for Autumn.

1. Play mini golf

Most large cities in North America have miniature golf courses. The best part is that they’re usually much cheaper than going to the professional courses, where you might not have as much fun — unless you’re a keen golfer.

2. Go Swimming

Go to your local swimming baths and take a dive. This also has obvious health benefits, as you’ll be getting some exercise too. If you don’t have swimming pools then be adventurous and go swimming in a lake, reservoir, or in the sea — just make sure it’s safe to do so first.

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3. Climb a hill

Hills are smaller than mountains but big enough to still be a good day out. Whether you’re going with friends or family, it’s good to take in nature every once in a while, especially if you live in urban areas.

4. Climb a mountain

If you’re looking for something more adventurous that hill climbing, then go climb a mountain. If you’re planning on climbing a mountain then make sure you look up good routes and take the correct safety precautions. The mountain doesn’t have to be Everest, you can always go to your nearest one.

5. Go fruit picking

Different fruits have different seasons in the different parts of the world. Take a look at what’s available in your local area. For example, you could go strawberry picking. You usually buy a box and you can fill it with as much as you like. If you’re sneaky, you can also cram some strawberries in your mouth as you go around.

6. Cycle somewhere

If you have a bike, try cycling to somewhere different, and take your friends or family with you. If you don’t all have bicycles then you can rent them. It’s usually very cheap to do so, especially if you live in Europe.

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7. Visit a castle

In many places, castles actually charge you for entry. However, if you search the internet, you’ll be able to find ones with either cheap entry or free entry. Castles can be especially good if you have children (or big kids at heart) who love role-playing games. Many larger castles often do shows and events too, so keep an eye out for them.

8. Go to car-boot sale

In England, this is where we all go with our cars and sell things that we don’t want from our boots (trunks). They’re usually held in fields or car parking lots. If you’re on a budget this will hopefully help you increase your budget — while having a fun day bartering with passers-by.

9. Make ice lollies

You can purchase ice lolly moulds for really cheap from places like Amazon.com or your local supermarkets. They tend to last a long time too. All you need on top of these is a liquid to freeze. This can be fruit juice, squash (cordial), or any sort of flavoured drink. Try to get the bendy silicone moulds, as the plastic ones tend to break and the ice never comes out at easily.

10. Host a BBQ

Provided you (or someone you know) has a barbecue, you can host a BBQ party. Obviously, it will be expensive if you provide all the food and drinks, so you should make it compulsory for everyone to bring an item of food. This is great because people will also bring food they want to eat so you won’t have to feel bad when you forget to cater for the vegetarians.

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11. Sunbathe

This is the time of the year when the sun is out, so catch some rays. It doesn’t cost a thing and if you already waste money on sunbeds, here’s a chance for you to save some money and get some healthier rays.

12. Orgami

Paper is super cheap to buy, especially if you buy a whole book of printer paper. There’s a massive amount of resources online showing you how to make different animals and origami stuff. If you’ve got younger siblings or children, then you’ll entertain them for hours with this, while teaching them something new at the same time.

13. Start a garden

You’ve still got time to grow flowers and plants in your garden. Seeds don’t tend to cost that much, so go get some and plant them. If you’re really naughty, you could dig up a plant from somewhere and plant it in your garden — however, this is illegal.

14. Go for a picnic

A picnic is a great budget activity for friends and family. It can also work out as a cute date for you and a loved one too. Make your own food to take with you so that you can keep the expenditure low.

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15. Go camping

If you (or someone you know) own a tent or camper van, then go camping. Take your family and friends with you. You could always take a loved one and plan a night under the stars.

16. Take a younger sibling to the park

If you’re old enough to be trusted, take a younger family member to the park. Even if it’s just a walk, younger people are full of energy and will entertain themselves while entertaining you at the same time. This will also keep you in your family’s good books too!

17. Go to a summer fete

There are summer fetes and “festivals” popping up all over the place during the summer. Fetes are great places to get hold of local specialties and see more of your local “culture”. You can also often pick up things fairly cheap from summer fetes.

18. Visit a museum

Many museums offer free entry and regularly have new exhibitions on during the summer. Whether it’s local history or general history, they’re great places to keep up with what’s already happened.

19. Visit an art gallery

Similar to museums, art galleries also often offer free entry. They tend to have more new exhibitions hosted than museums, some of which push boundaries that you may never have imagined. This will often help heighten more senses than you thought.

20. Have a film marathon

We’ve all got a DVD collection tucked away somewhere  and even if you don’t, the internet is at your disposal if you want to watch every single Harry Potter or Lord of The Rings film over the course of a day!

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Josh miller

Founder TrueMiller.com, Josh Miller Enterprises

How To Make Money With CPA: Content Locking How To Use Instagram on a Windows 10 Computer 13 Ways To Make WordPress Load Faster Budget Summer Activities 20 Amazing Budget Summer Activities Success 8 Basic Skills All Successful People Have

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Last Updated on July 10, 2020

The Definitive Guide to Get out of Debt Fast (and Forever)

The Definitive Guide to Get out of Debt Fast (and Forever)

Debt can feel crushing, like a weight that is always weighing you down. Looking at those numbers, it can feel as if you’ll never get out from under it. However, if you really want to learn how to get out of debt, it is possible with a great deal of focus and self-control.

Getting out of debt isn’t impossible. Like any big goal, all that it takes is an action plan to identify where you are and creating a plan to zero out your debt.

Identifying All of Your Debts

The first part of paying off your debt is getting a complete picture of what you owe. When you have everything written out in front of you, it makes it much easier to create an action plan. Depending on how much you owe, it might also help you realize it’s not as bad you might have originally thought.

Here’s how you can get started identifying your debts:

1. Own Your Debt

Before you start identifying all of your debts, take a moment to process that you have debt but want to get out of it.

Forgive yourself for any past mistakes, missed payments, or overspending. It might be painful to accept how much debt you have at first, but you must own it.

2. Make a Debt Tracker

It’s astonishing how few people ever created a tracker to understand their total debts. Most likely, it comes from not wanting to accept the guilt of having debt, but, if avoided, it can make it nearly impossible to get out of debt.

Open up a new Google or Microsoft Excel sheet and list out all of your debts. Start with the name of the creditor, interest rates, total balance, loan term length (if any), and the minimum amount due each payment. This will include student loans, credit cards, and any other type of debt owed.

3. Get Your Debt Number

Once you’ve made your debt tracker and taken the other steps, identify your total payoff number. This is crucial, as you will have a starting point and a clear goal that you are trying to achieve.

Prioritizing Your Debts

All debt is not created equal. It’s imperative to understand that there are different types of debt.

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1. Understand Bad and Good Debts

Bad debts are usually paying for things you want instead of always need. While there might be some emergencies that max out your credit cards, often times it’s excessive spending[1].

There are three main types of bad debt:

  • Credit Card Debt: The average American household owes over $16,000 in credit card debt!
  • Auto Loan Debt: According to CNBC , the average auto loan in the US is $30,032!
  • Consumer Loan Debt: Consumer loan debt isn’t as common as credit card and auto loan debt, but it’s still considered bad as interest rates are usually between 10-28%.

Good debt is identified as investments in your future. Here are three common types of good debt:

  • Student Loan Debt
  • Mortgage Loan
  • Business Loans

2. Decide Which Debt to Pay off First

Once you know each type of debt and their interest rates, you can begin to pay off debt quickly.

Focus on paying off bad debt first, regardless of if it is a credit card or auto loan. Start by paying off the loan with the highest interest rate first.

If you have several credit cards with different interest rates, you want to focus on the one with a higher APR. You will actually save more money by eliminating the card with the highest interest rate.

3. Don’t Pay the Minimum Amount

Paying the minimum amount digs you into a hole as interest rates will offset your payment. Even a small amount more than the minimum can help you pay off debt much faster.

Removing Obstacles to Pay off Debt Quickly

Creating a debt tracker and prioritizing a plan is simple, but avoiding temptation can be difficult.

1. Set a Reminder to Track Your Debt

“If you can’t measure it you can’t manage it.” -Peter Drucker

It’s so important to track your debt to ensure that you get it paid off quickly. Similar to working out and measuring your results, you need to track your debt constantly. Start with a weekly reminder, where you sign on and log your updated number. Did you increase, decrease, or stay the same?

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Regularly tracking your student loan balance can be incredibly motivating, as well. You will get a huge confidence boost each time you see your total debt amount decreases.

Set weekly and monthly goals so you can have short term wins and keep the momentum going.

2. Hide Your Credit Cards

If your biggest debt is credit cards, you need to eliminate temptation and remove them from your wallet.

Some people have gone to extreme measures by freezing their credit cards. Why? This would create an ice block around your card, which would require you to chip away at it slowly. This will give you time to think if it’s the best idea to buy that thing you’re about to buy.

3. Automate Everything

Willpower can be a huge downfall to paying off your debt. By automating your bills each month, you will ensure that willpower isn’t involved.

4. Plan Ahead

Getting out of debt will require some sacrifices, but with enough planning, you can make it work.

For example, if you know that you have a friend’s birthday or family dinner coming up, plan ahead for the costs. Whether you need to cut back on spending the week before, pick up a side job, or meet them after dinner, do what is needed.

5. Live Cheaply

The only way to get out of debt is to make some sacrifices on your spending habits. Find ways to save money each month so you can apply that amount to your outstanding debts. Here are some ways to save money each month:

  • Live with roommates
  • Cook dinners and prepare lunches for work instead of eating out
  • Cut cable and choose Netflix or Amazon Prime
  • Take public transit or bike to work

Finding the Lowest Interest Rates

The higher your interest rates, the harder (and longer) it will take you to pay off any debt.

If possible, you want to find ways to lower your interest rates to help get out of debt quickly. Here’s how you can get started:

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1. Maintain a High Credit Score

Your credit score will have a large impact on your ability to refinance your loans and receive a lower interest rate. If you have a low credit score, it’s unlikely you will be able to refinance your loans. Use these credit tips to increase and maintain an excellent score:

  • Never miss a payment
  • Don’t exceed 30% of your credit limit
  • Don’t sign up for more than one card at once
  • Limit hard inquires, like auto-loans and new credit cards
  • Monitor frequently with free credit-tracking software

2. Find Balance Transfer Offers

Start by opening a free account on credit.com. Credit.com offers you the chance to open a free account and see what type of balance transfer offers you can receive. Some of your existing credit cards might already have 0% or lower APR balance transfer offers available.

Contact each of your credit card providers to ask about lowering your rate for a one-time balance transfer offer[2].

If you do take advantage of this option, make sure that you use a balance transfer and not a cash advance. Cash advances have a ton of high interest fees (15-25%, depending on your credit card) and will only compound your debt problem.

How to Get Rid of Debt Forever

Setting up a plan, removing temptations, and getting the lowest interest rates is the first step to get out of debt.

1. Keep Monitoring and Adjusting

Once you have a plan, don’t get comfortable. Track your debt payoff plan and make the necessary adjustments when needed.

Monitor your credit scores with a free site like CreditKarma. The higher your credit score climbs, the more likely you will be to secure a new, lower-interest loan.

2. Earn More Money

There are only so many ways to save money. Instead of clipping another coupon or making sacrifices for your morning coffee, find ways to earn more money!

Think about it…it is much easier to find ways to earn an extra $1,000 per month than find $1,000 to cut from your budget.

Here are some examples of ways to earn more money:

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Talk to Your Boss

Have a conversation with your boss about current salary and/or commission rates. If you’re not satisfied or want a change, don’t be afraid to look around at other positions. Some of them might even have a student loan debt reimbursement plan!

Start a Side Hustle

This could be coaching students on the weekends, driving for Uber, or taking paid online surveys. There are tons of ways to make money outside your 9-5. Now that you have a clear plan to pay off your debts, you’ll be more motivated than ever to figure out creative new ways to earn money.

Build an Online Business

There are so many websites and blogs that earn money from ads, affiliates, and other online products. Find your niche and get started.

3. Celebrate Your Wins

As you progress in your debt payoff journey, don’t forget to celebrate your wins. You need to always reward yourself for the hard work and discipline that is required to get out of debt.

While you shouldn’t celebrate so big that it increases debt, make sure to factor in little rewards to keep you motivated.

4. Set New Financial Goals

Eventually, with a plan and these steps, you can rid yourself of your debt. Once you do, make sure to celebrate your monumental achievement, but don’t stop there.

Now, you can focus on acquiring wealth and increasing your net worth. Set new financial goals so you have a new target to aim toward. Here’s how to set financial goals and actually meet them.

These could be anything now that you are debt free! Think about where you want to travel, buying your first home, or saving for your future retirement. Just like before, make sure that your goals are specific, measurable, and achievable.

Conclusion

Congrats, you can now set a plan in motion to finally pay off your debt quickly (and hopefully forever)!

Remember, if you want to get out of debt quickly, it’s not always easy. Just like any big goal, there will be sacrifices, challenges, and problems to overcome.

More Tips on Getting out of Debt

Featured photo credit: Pepi Stojanovski via unsplash.com

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