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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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Published on January 8, 2021

How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

Ever wondered whether your credit card debt is the reason you’re in a bad financial situation? You can’t enjoy any fun activities because a good chunk of your money goes toward debt payment. Heck, you’re even behind on some of your monthly bills.

The effects of clumsy debt management are too many to list here. This guide is going to help you discover how to pay off credit card debt fast and start chasing your financial goals.

Debt problems are the last thing anyone wants to encounter. But things can get out of hand when all the “little debts” you take accumulate in interests.

What if you knew some simple and proven ways to be debt-free quickly? Implementing them would mean better financial health for you. It becomes possible to free up cash for your “wants.” These include taking a trip or buying something you’ve always desired. All that while paying your bills on time!

Let’s not wait any longer. Here are 7 powerful tips for paying off credit card debt fast:

1. Pay More Than the Minimum Credit Card Payments

Many people only pay the monthly minimum on their credit cards. Truly, that’s the right amount for staying on good terms with your credit card company. But you need a different approach if you’re looking to achieve financial independence within a short time.[1]

Most of your payments go toward interest costs when you only pay the minimum amount. A substantial sum of your balance remains standing. As a result, it becomes more expensive to eliminate your debts.

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You don’t want to wait more than 10 years to get rid of debt while it’s possible to do it sooner. All you have to do is double that $100 minimum payment to $200 or go higher.

The good thing is that minimum credit card payments are affordable in most cases. By paying a higher amount, you reduce your interest costs, lessen your borrowing period, and boost your credit score.

2. Start With High-Interest Credit Card Debt

If you have more than one credit card debt, prioritize putting the extra money toward the ones with the highest interests. This debt pay-off strategy, known as the debt avalanche method, is essential for being debt-free quickly.[2]

First, you need to list down all the credit card debts you have in the order of their interest rates. Next, you choose the one with the highest interest and pay a significant amount toward it each month. It can be an amount twice or even thrice larger than the minimum payment.

At the same time, you make monthly minimum payments on the other debts. Their interest charges won’t be as costly as that of the first debt on your list. You only move on to the next high-interest debt after the first one is gone. Remember that your focus is on the interest rates and not the balances.

3. Revisit Your Budget

Budgeting is useful for tracking your financial moves. Once you create a budget, some tweaks along the way can make it work for you better. One situation that requires you to revisit your budget is when you’re struggling with debts. It might hurt a bit to slash some expenses. But you also don’t want to miss out on achieving financial freedom in the long run.

You can reduce some variable expenses to free up more cash for credit card debt payments. They’re the ones that change from time to time. Some examples are groceries, fuel, and clothing.

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Other opportunities for cutting down your spending lie in non-essential expenses. Instead of dining out all the time, you can cook at home more to save money. You can also share some subscriptions with friends and pay a fraction of the cost.

If you’re determined enough, you can eliminate all your unnecessary expenses and focus on paying off your credit card debt first.

4. Avoid Using Your Credit Cards

Do you want to know how to pay off credit card debt with a low income? One simple way is to stop using them. Having your credit cards everywhere you go means that you’ll be more tempted to buy unnecessary stuff. In this case, you spend money that you don’t really own and get deeper into debt.

The quickest fix to stop the debt build-up is spending with cash. You’ll be more aware of everything you can afford at any particular time. If you decide to keep one or two cards to ease the transition, always make wise choices. For instance, only use them when experiencing financial difficulties.

It’s best to categorize your fun activities under “discretionary spending” in your budget. This way, you won’t need more debt to kill your boredom. By halting your credit debt from accumulating, it’s easy to pay down what you already owe and be happy with the progress.

5. Start a Side Hustle to Boost Your Income

You’re probably turning away a lot of money by not monetizing your skills. Everyone has something that they’re good at doing. And you can use that to generate extra income for attacking your credit card debt.

If you look around your neighborhood, you can find several side hustle opportunities. It can be pet sitting, tutoring, or lawn mowing. You can start an online business by offering services such as digital marketing, content creation, and web development. Such skills go in high demand on freelance sites and job boards.

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Finding clients on social media is also a good strategy to utilize your skills and make more money. Facebook groups, Quora Spaces, and subreddits are some places to look for side jobs. You only have to join a niche-specific platform, share your services, and respond to any opportunities.

It’s possible to learn a skill, practice it, and earn from it. Use the free resources online or purchase some e-courses to get started.

6. Sell Your Used Items for Extra Cash

Starting a side hustle isn’t the only way to generate extra money. You can turn unwanted items into cash for paying off credit card debt. Whether it’s an old TV, book, or furniture, there is always someone itching to buy your used stuff.

A garage sale, as much as it’s old-fashioned, is perfect for getting your neighbors and passers-by to buy from you. You keep all the money because there are no business permits or taxes involved. While you may not make much cash, it’s better than leaving your stuff to go defunct in your storage.

Other than that, you can sell your used stuff on online marketplaces. Facebook groups are great places to start if you want quick approvals and hence sales. You only have to ensure that your listing follows Facebook’s commerce policies.

When selling any pre-owned items online, ensure they’re in good shape to avoid problems with your buyers.

7. Know When to Seek Help With Your Debt

Asking for help with your credit card debt can be challenging to do. But letting it drown you is a road you don’t want to take. While you may feel embarrassed at first, it’s the best way to get back on track when you run out of options.

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There are tons of non-profit credit counseling organizations that can offer you free guidance on how to escape the debt trap. An example is The National Foundation for Credit Counseling. They simply review your finances and help you determine the source of your financial problems. After that, they match you with an actionable debt management solution.[3]

In extreme cases, the debt solution can be:

  • Debt relief – where your debt is partially or wholly forgiven
  • Debt consolidation – taking out one loan to repay others
  • Debt settlement – the creditor forgives a significant portion of your debt
  • Bankruptcy – legal process for seeking relief from some or all your debts

It’s necessary to carefully weigh your options before deciding on the way to go. Find out how it might affect your credit score and any other risks.

Wrapping It Up

Debt is a major setback when you’re trying to prosper in life. Paying off credit card debt is essential if you want to reach your financial goals. That means having more free income, a good credit card score, and even a chance to retire early. You become more productive each day because of the peace in your mind.

So, you now have some tips on how to pay off credit fast. Go ahead and get rid of that good life progress killer!

More Tips on How to Pay Off Debt

Featured photo credit: rupixen.com via unsplash.com

Reference

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