Saving Money this Summer: Yes, It’s Possible!

 For many college students, summer means making money. They work long hours during their vacation to earn money for the academic year. However, summer brings temptations of its own, including the urge to spend! Fortunately, with a little planning, you can enjoy the summer without losing all your savings.

1.) Fun = Free or Almost Free. You don’t need to plan extravagant outings to create memories with your friends and family. Many towns offer free outdoor concerts, festivals, and theater performances during the summer; check out your local newspaper for information about upcoming events. In addition, you can hike or swim at local or state parks for little or nothing.

2.) There’s always a cheaper option. Lunch and breakfast are less pricey than dinner; picnics and potlucks are less expensive than eating out. Matinees are cheaper than evening movies, DVD rentals and Netflix are even less expensive, and your local library will allow you to borrow DVDs for free. There’s nothing wrong with the odd splurge, but make sure your “treats” are occasional and special – otherwise, they’re not splurges, but reckless spending.

3.) Think daytrips, not vacations. Check out destinations – amusement parks, nature trails, museums, and events – within a four-hour drive of your home. If you don’t have to stay overnight, you’ll save money on meals and hotel fare.

4.) Keep it separated. Most adults have a checking account, which they use to pay their bills, and a savings account, which constitutes their savings. If you haven’t opened a savings account, now is the time. Allocate a certain amount of money to your savings account every pay period. You’ll be less likely to spend the money if it’s separate from the rest of your income.

5.) Do your financial aid homework. Even if you’re working a lot, you probably have extra time on your hands during the summer. Use some of it to research scholarship options for the next academic year. Check out Fastweb, College Board, and org to research scholarships. You may have to spend hours filling out applications and writing essays. Regard this the way you would any other job: something you have to do to earn money.

6.) Stay focused. Remind yourself of why you’re in college and what you hope to be one day. Saving money in the present will be much easier if you remember the future you want. While you’re at it, start taking steps toward your goal. You’ve probably heard about how crucial internships are for recent graduates. If you don’t have an internship lined up for this summer, use your downtime to research internship opportunities for the academic year or following summer. You might also request informational interviews with people who are working in your field.

Summer doesn’t have to mean having to choose between work and pleasure. With some mindfulness, you can a fun and frugal, relaxing and inspiring season that prepares you for the next academic year and the career you want.

-Dorothy A. Dahm

 

 

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