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20 Amazing Budget Summer Activities

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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.

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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 20, 2021

Financial Freedom is Not a Fantasy: 9 Secrets to Get You There

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Financial Freedom is Not a Fantasy: 9 Secrets to Get You There

Have you ever considered your life now, and how it would be if you had more time to spend with your family and less worries about money?

Nowadays, financial stress is one of the most troublesome weights in life. If you’ve ever encountered financial stress, you know the difficulty of not having enough income to pay your obligations or bills.

Many people say that money is not the ultimate goal of life. While that’s true, money certainly plays a very significant role. The meaning of financial freedom changes with the different phases of our life, but ultimately, it is something that many people strive for.

In this article, we’ll explain how to capture that financial freedom you’ve been looking for. Read on to learn the secrets to financial freedom.

Break Free of Your Finances

Financial freedom is about having a constant flow of cash from your assets to cover all your regular needs.

When you are not worried about your income, or living paycheck to paycheck, you gain a great sense of freedom. It’s the freedom to be obtain and do what you truly need to make your way through everyday life.

Gaining financial freedom, though, is a process of growth, making small improvements and gaining emotional strength.

Though it seems hard to believe, it is really very simple to get financial freedom.

To do so, you simply need to make sure that your assets exceed your liabilities. In other words, you’ll need to find the sweet-spot where your residuals meet or surpass your expenses. This is something that you can achieve with the proper plan.

While not every person will accomplish financial freedom, the potential for anyone to do so is certainly there. Anyone can achieve this success, regardless of their income level.

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Outlined below are 9 secrets that will help you in your goals of achieving financial freedom.

1. Stop Unnecessary Spending

We often spend money inwardly, instead of objectively.

For example, you may spend when you’re anxious, depressed, restless, exhausted, from fear of missing out, or to please others. This is a very unhealthy way to handle your finances.

To stop this habitual spending, log down all your spending over the course of a month.

Just as some people keep a food diary, keep an expense diary. Remember not to just write down how much and what you spent the money on, also include the circumstances of why you spent the money. Was it an impulse buy at the checkout line or was it something you planned to purchase?

This increased self-awareness could enable you to avoid triggering situations in the future when you are considering an impulse buy.

2. Plan a Monthly Budget

This is a great opportunity to get serious.

Take a seat with your spouse or partner and make a monthly budget based on your income, not your expenses. You are never again going to spend more cash then you have on hand.

Overspending is the thing that led you to more financial obligations. Make sure you decide every month what is coming in and what will be going out and stick to that budget… no matter what.

3. Cut-up Credit Cards

Perhaps you are the type of person who always pays your credit card balance in full before the end of your billing cycle, and enjoys the reward points you gain. If this is the case, then you’re already way ahead of the game.

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If not, you may want to consider ridding your life of the burden that credit cards bring.

Many cards have strategies set up so that if you make a certain number of late payments, they will raise your interest rate much higher. This can really add up in the long run and you won’t be doing your financial situation any favors. If you’re prone to late payments or have a large balance due on your cards, cut them up!

Without proper self control on credit card spending and payments, you are basically throwing your money away. To ensure that you have better control over your spending, use only cash or debit for all future purchases (and don’t forget to pay at least your minimum payment on your cut-up cards each month!).

4. Increase Savings

There is no doubt that for a comfortable retirement you must accumulate satisfactory savings throughout your working life.

It’s good practice to save up to 15% of your income.

Start with your workplace 401(k), if you have one. If not, a Roth IRA (if you are eligible) or a traditional IRA (if you are not eligible for the Roth) are the next logical steps.

Increase in longevity means you might be able to look forward to 25 to 30 years in retirement, or possibly even significantly more. Investing now in good retirement plans will ensure that you have a guaranteed a stable monthly income when the time comes to stop working. [1]

5. Invest Wisely

Consider investing in funds.

Specifically, you will gain higher returns if you invest in different types of mutual funds such as Debt funds, Equity funds and Hybrid funds with a proper balance, although it absolutely relies on your personal preferences and sense of risk taking.

To get the most of these benefits, make sure you are investing in a variety of assets. Another resource of investing in mutual funds is SIP (Systematic Investment Plan) where you invest some money every month in funds. SIP works by averaging the per unit price of the stock.

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Mutual fund investors are aware of the benefits of an SIP (Systematic Investment Plan). For one, it is the most secure way to invest in equity mutual plans so that wealth is created over a long period of time. This plan also helps you to gain a better sense of financial discipline, which will come in handy in all your financial endeavors.

6. Invest in Gold

There isn’t really a better way to invest in gold than to have the physical gold itself in your possession.

You can purchase gold coins and bars from mints as well as from coin dealers and other private sellers.

Another way to invest in gold is through ETFs (Exchange Traded Funds).

These are is similar to mutual funds but they are exclusively investments of gold. ETFs are great because they offer more liquidity; the ETF owns the actual physical gold, stores it, and retains the value of the shares. These shares can then be bought and sold in the stock market, and one big benefit is that the transaction costs of gold ETFs are much lower than the that of physical gold.

With its consistently-increasing demand, investment in gold can be very wise long-term investment to make.

7. Stash Emergency Funds

Whether it’s a cash gift or a work bonus, always try to save any extra money that comes your way rather than making unneeded purchases.

If you get paid every other week, you’ll get an “extra” paycheck (three rather than the usual two) twice a year. Either save those paychecks towards your emergency funds or utilize the money to pay down other obligations, such as loans, credit cards or other debts.

Make it hard to get your cash.

Put your savings in an alternate bank, maybe an online bank that forces you to delay for several business days before transferred money hits your regular bank account.

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8. Find Fabulous Mentors

Find a mentor, such as a friend or family member, who has exceptional control over their finances and pay attention to everything they do.

If you do not have any friends or family that are enjoying financial freedom, then find a mentor online! There are numerous blogs and guru websites featuring the advice of many people who have reached financial freedom, and they exist primarily to let you in on how to achieve it for yourself.

There are also plentiful forums available that share tips and tricks on how to best achieve financial freedom. Read as much as you can and start changing your habits for the better.

9. Be Extra Patient

Patience is the key of financial success.

Being patient can be quite tough, especially when you’re struggling with your finances, but having faith is worth it. You’ll continuously be on the right track if you are taking the proper steps above.

So don’t be discouraged, even if you are only saving a few dollars a month; it all adds up. Within just a few years you’ll look back proudly at your accomplishments and be glad that you had the patience to get there.

Financial Freedom for All

Anyone can achieve financial freedom, regardless of their financial circumstance.

Use the tips provided above to get yourself on the track to financial freedom and toss your monetary concerns out the window. If you wish to achieve a life with financial freedom for yourself and your family then you must adopt a disciplined approach towards your finances.

Following the simple secrets above is a great start to making your money work for you, so you can work less and live more!

Featured photo credit: rawpixel via unsplash.com

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Reference

[1] Hartford Gold Group: IRA Retirement Accounts

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