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Savvy Summer Spending: How To Make Your Money Go Further

As the summer months approach, it's important to be mindful of your finances to help to avoid wasting money. By implementing a few smart money strategies and utilising helpful tools, you can enjoy the sunny season while keeping your budget intact. In this article, we'll explore some practical finance tips to help you save money, including the use of money apps, seeking out discounts, and making wise choices when dining out.

Harness the Power of Money Apps

Take advantage of technology to stay on top of your finances. Money apps like Snoop, IFTTT and Money Dashboard can be valuable tools in managing your expenses, tracking your spending, and setting financial goals. Snoop provides personalised money-saving tips, IFTTT automates financial tasks, and Money Dashboard gives you a comprehensive overview of your financial health. These apps can help you make more informed decisions and identify areas where you can cut unnecessary expenses.

Hunt for Discounts and Deals

Before making any purchase, whether it's for clothing, household items or travel, always look for discounts and deals. Utilise websites, apps and social media platforms that aggregate coupons and promotions. Websites like Honey and Groupon offer various discounts and voucher codes, allowing you to save money on everyday purchases. Additionally, follow your favourite brands and local businesses on social media to stay updated on special offers and limited-time deals.

Optimise Eating Out Experiences

Eating out can quickly become a drain on your finances, but with a few strategic choices, you can still enjoy eating out while still saving money.

  • Restaurant Apps and Loyalty Programmes: Many restaurants have their own mobile apps or loyalty programmes that offer exclusive discounts, rewards, and special offers to frequent customers. Download these apps or sign up for loyalty programmes to access savings and earn points for future discounts or freebies.

  • Happy Hour and Early Bird Specials: Take advantage of happy hour discounts and early bird specials at restaurants and bars. These offers typically provide reduced prices on food and drinks during specific hours. Plan your outings accordingly to enjoy the savings.

  • Split Meals or Opt for Appetisers: Consider sharing larger portions with a friend or family member or ordering appetisers instead of full-sized meals. This allows you to sample a variety of dishes while keeping costs down.

  • BYOB (Bring Your Own Bottle): If dining at a restaurant that allows it, bring your own bottle of wine or other beverages. This can significantly reduce the cost of drinks, as restaurant markups on alcoholic beverages can be quite high.

Plan Ahead for Summer Activities:

With summer comes a variety of activities and events that can strain your budget. To avoid overspending, plan ahead and set a budget for each activity.

  • Use Cashback and Rewards Programmes: If booking travel or purchasing tickets for events, consider using cashback websites or credit cards with rewards programmes. These programmes allow you to earn points or cashback on your purchases, providing additional savings.

  • Create a Summer Budget: Allocate a specific amount of money for various summer activities such as holidays, concerts or outdoor festivals. By setting a budget, you can enjoy these experiences without financial stress.

  • Explore Free or Low-Cost Activities: Look for free or low-cost options in your local area, such as parks or community events. These activities can provide fun and entertainment without breaking the bank.

As summer approaches, it's essential to be mindful of your finances to prevent excessive money wastage. By utilising money apps, seeking out discounts and deals, and making wise choices when dining out or planning summer activities, you can enjoy the season while maintaining financial control. Remember, small adjustments and smart choices can go a long way in helping you to save money and achieve your financial goals. So, go ahead and embrace the summer months while keeping your finances in check.


If you enjoyed this article, please do let us know. We are open to suggestions and welcome ideas about other topics to discuss. If you would like to stay in touch with us and the work we do on financial inclusion, neurodiversity and financial education, please get in touch and join our community. We share information about upcoming events and initiatives. We would love to have you. --- This article is for informational purposes only. It should not be considered financial or legal advice. Mind Over Money assists you in making better economic choices, improving your wealth and building financial confidence. Consult a financial professional before making any major financial decisions.


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