Summer Spending

The summer months are here along with plenty of things that you will spend money on. Many people think that you spend a lot of money during the holidays, but the summer months are filled with money spending situations. You have graduations, weddings, sports, vacations, home improvements, and whatever else might pop up.

It is important that we prepare our budget for this extra sultry spending. It is a good idea to get the calendar out and mark any dates that are going to require you to purchase a gift or spend any extra money. Some occasions may require you to travel. So you will want to budget for gas and lodging as well. Stay with friends when possible and sometimes you may be able to carpool to the event.

Set a limit that you are going to spend for each event. There are plenty of nice gifts that you can find under $10. Search a gift registry to purchase some of the small items on the list. You can also pitch in money with friends and buy a gift together. You can also donate time if you have it.

Also remember that you may be spending a lot more time at the ball fields leaving you little time to cook and more time buying soda and hotdogs. Don’t forget pizza and ice cream after the game. It’s important to account for the extra cash that will be spent due to hectic summer activities.

Another thing to consider is, you may need to find a supervisor for your kids. Extra daycare expenses are costly and if not budgeted for can quickly have a negative effect on your checkbook.

If you have kids the last thing they want to start thinking about is next fall. That doesn’t mean that you shouldn’t. Now is a perfect time to start to prepare for next fall’s school expenses. Start saving up now or buy a little at a time when you find good sales. The back page of this issue features a few good reminders on how and when to save for next school year.

A weekend get-together with friends can be spendy if you are providing all the food and beverages. If your friends offer to bring something, then by all means let them. It will save you both time and money.

If you are getting married or helping plan a wedding, look back at March and April’s Pioneer Pilot. There you will find money saving tips on wedding costs.

Have fun this summer and remember to properly prepare for all of those social gatherings so you can enjoy them without stress.

Pioneer Credit Counseling is a bonded, non-profit credit counseling agency offering debt management programs, financial counseling, bankruptcy counseling and housing counseling nationwide. Call our friendly counselors today at 800-888-1596 or visit

Our accredited credit counselors will help you take control of your financial life and get out of debt faster than you can on your own. We offer a debt management program that will stop the collections calls, lower your monthly payment and provide you peace of mind. Our pre and post bankruptcy counselors provide an easy process for you so you can focus on rebuilding your financial being.

It is our policy at Pioneer Credit Counseling not only to help people get out of debt, but also educate in sound budgeting practices.

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