Ah, summer. ☀️
It’s sunshine, swimsuits, Sonic drinks… and sometimes, spending that spirals out of control. If you’ve ever looked back at August or September credit card statements with a deep sigh and a “what happened?” moment – you’re not alone.
But here’s the good news: enjoying summer doesn’t have to sabotage your financial goals.
You can soak up the sun and still stay on track—and I’ll show you how.
Why Summer Spending Sneaks Up on Women in Midlife
Here’s the truth no one talks about: Summer looks different in this season of life.
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Adult kids visiting? You’re hosting… and footing the grocery bill.
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Grandbabies? You’re buying swim diapers and blowing up pool floats.
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Travel? You’re trying to create memories without draining your savings.
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Friends? There’s always one more dinner out. And who wants to say no to that?
And if you’re single, divorced, or managing a household solo—it can feel like all the pressure’s on you.
5 Ways to Enjoy Summer Without Overspending
1. Make a Memory List, Not Just a Budget
Instead of starting with numbers, start with what matters:
What memories do you want to create this summer?
Then assign dollars to those—not just random activities.
2. Use a “Fun Fund” (Guilt-Free Spending!)
Set aside a small weekly amount just for fun. When it’s gone, it’s gone—no guilt, no credit card surprises.
3. Have a Go-To List of Free or Low-Cost Activities
Local splash pads, sunset walks, museum days, or potlucks on the patio. Keep a running list so you always have easy “yes” options.
4. Choose One Big Thing – and Let the Rest Be Small
Maybe it’s the beach trip. Maybe it’s a staycation splurge. Pick one. Let that be your highlight. The rest can be simpler and still meaningful.
5. Align Your Summer Spending with Your Future Self
Ask: Will I still be glad I spent this in 6 months?
That one question can change everything.
Need more ideas? Check this out.
Want to Stay Joyful and On Track?
Summer is meant to be enjoyed. So is your financial future.
They don’t have to compete. With a little intention, you can have your popsicle… and protect your peace too.
🙋♀️ Need Help Building a Plan That Honors Both Your Present and Future?
I help women create spending plans that actually work—in real life, with real seasons, and real goals.
Let’s make a plan that allows you to live well now while still preparing for later.
💬 Message me on Social @1elizabethrose if you’re ready to create a spending plan you actually like.