Smart summer finances

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Health Assured team

27 May 2021

The sun has got his hat on, and summer is finally under way. Everyone loves the sunshine, the warmer temperatures and the longer days. But it can be a very expensive season. And with lockdowns easing globally, people may be ready to spend a LOT of money—which they may not necessarily have.  

For the most part, people are a little more careful with their money in the few months after Christmas. Understandably so—there’s usually much less money in the house after that expensive holiday. So, as soon as the sun comes out, the relief of the brighter climes means spending suddenly becomes much less conservative. And according to data, that spending continues to increase for the whole year.  

There are some things you can do to keep the cost of a great summer from spiralling out of control, though:  

Holiday at home: It might not be the most exciting way to spend a holiday—especially after the summer of 2020— but staying local is cheap and can be every bit as much fun. It just requires a little effort. Look for galleries, museums and exhibitions, free sports events and activities nearby. Sometimes a quiet break is what you need.  

Of course, you need to be careful and strong in order to stay quiet. Even ten years ago, there were only a couple of larger music festivals during the summer—now there are dozens. We’re not saying you should avoid them all, but budget carefully, pick one, and make it a weekend to remember rather than buying a ticket to each and every event.   

Save on utilities: Need to keep cool? Open the windows in the evening, and close them in the morning. Take cooler showers to save on water heating. Think about solar panels—they’re expensive initially, but a sunny summer can help reap rewards.  

It might sound odd to talk about insulation during summer, but it’s just as important as it is during the winter, especially for water heaters. Think about it—if the air is warmer, your tank will stay warmer for longer. If it’s got good insulation, too, then your bills for the showers you’ll need to take to cool off will be lower. It’s a no-brainer.  

Grow food: There’s no doubt that the average summer is getting a lot hotter than it used to be. You can use this to your advantage—with some care and attention, you can use your garden to feed yourself all summer, for cheap. 

Growing vegetables, tomatoes and fruit isn’t as difficult as you might think. And when the temperatures are as high as they can get these days, a salad in the evening is refreshing. For the more adventurous, the heat is the perfect climate for some of the more exotic chili pepper plants—they might not cool you down, but everyone should try a Carolina Reaper at least once in their life…  

It’s not difficult to make your summer months cheaper and more fun. Just be careful, avoid excessive credit purchases, and enjoy the simple pleasures that sunshine brings. 



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