{"id":173,"date":"2021-05-19T10:14:00","date_gmt":"2021-05-19T10:14:00","guid":{"rendered":"https:\/\/www.cashwaves.ca\/blog\/?p=173"},"modified":"2026-09-16T08:29:15","modified_gmt":"2026-09-16T08:29:15","slug":"wonderful-money-saving-guidelines-for-the-summer","status":"publish","type":"post","link":"https:\/\/www.cashwaves.ca\/blog\/wonderful-money-saving-guidelines-for-the-summer\/","title":{"rendered":"Wonderful Money Saving Guidelines For The Summer"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_88 counter-hierarchy ez-toc-counter ez-toc-white ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.cashwaves.ca\/blog\/wonderful-money-saving-guidelines-for-the-summer\/#Give_Your_Summer_Money_a_Job_Before_You_Spend_It\" >Give Your Summer Money a Job Before You Spend It<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.cashwaves.ca\/blog\/wonderful-money-saving-guidelines-for-the-summer\/#Try_a_separate_summer_spending_account\" >Try a separate summer spending account<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.cashwaves.ca\/blog\/wonderful-money-saving-guidelines-for-the-summer\/#Set_a_Summer_Savings_Goal\" >Set a Summer Savings Goal<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.cashwaves.ca\/blog\/wonderful-money-saving-guidelines-for-the-summer\/#Automate_Your_Savings_on_Payday\" >Automate Your Savings on Payday<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.cashwaves.ca\/blog\/wonderful-money-saving-guidelines-for-the-summer\/#Use_Your_Air_Conditioner_Strategically\" >Use Your Air Conditioner Strategically<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.cashwaves.ca\/blog\/wonderful-money-saving-guidelines-for-the-summer\/#Keep_Sunlight_From_Heating_Your_Home\" >Keep Sunlight From Heating Your Home<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.cashwaves.ca\/blog\/wonderful-money-saving-guidelines-for-the-summer\/#Move_Heat-Producing_Tasks_to_Cooler_Hours\" >Move Heat-Producing Tasks to Cooler Hours<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.cashwaves.ca\/blog\/wonderful-money-saving-guidelines-for-the-summer\/#Plan_Meals_Before_Grocery_Shopping\" >Plan Meals Before Grocery Shopping<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.cashwaves.ca\/blog\/wonderful-money-saving-guidelines-for-the-summer\/#Give_Leftovers_a_Second_Job\" >Give Leftovers a Second Job<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.cashwaves.ca\/blog\/wonderful-money-saving-guidelines-for-the-summer\/#Carry_Water_and_Snacks_When_You_Go_Out\" >Carry Water and Snacks When You Go Out<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.cashwaves.ca\/blog\/wonderful-money-saving-guidelines-for-the-summer\/#Build_Your_Summer_Around_Low-Cost_Activities\" >Build Your Summer Around Low-Cost Activities<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.cashwaves.ca\/blog\/wonderful-money-saving-guidelines-for-the-summer\/#Try_the_one-paid_one-free_rule\" >Try the one-paid, one-free rule<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.cashwaves.ca\/blog\/wonderful-money-saving-guidelines-for-the-summer\/#Put_a_Spending_Limit_on_Summer_Events\" >Put a Spending Limit on Summer Events<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.cashwaves.ca\/blog\/wonderful-money-saving-guidelines-for-the-summer\/#Give_Road_Trips_a_Complete_Budget\" >Give Road Trips a Complete Budget<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.cashwaves.ca\/blog\/wonderful-money-saving-guidelines-for-the-summer\/#Create_a_Daily_Vacation_Spending_Limit\" >Create a Daily Vacation Spending Limit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.cashwaves.ca\/blog\/wonderful-money-saving-guidelines-for-the-summer\/#Pause_Subscriptions_You_Wont_Use\" >Pause Subscriptions You Won&#8217;t Use<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.cashwaves.ca\/blog\/wonderful-money-saving-guidelines-for-the-summer\/#Add_a_Waiting_Period_to_Non-Essential_Purchases\" >Add a Waiting Period to Non-Essential Purchases<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.cashwaves.ca\/blog\/wonderful-money-saving-guidelines-for-the-summer\/#Start_Saving_for_Fall_Before_Summer_Ends\" >Start Saving for Fall Before Summer Ends<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.cashwaves.ca\/blog\/wonderful-money-saving-guidelines-for-the-summer\/#Use_Summer_Savings_to_Strengthen_Your_Emergency_Fund\" >Use Summer Savings to Strengthen Your Emergency Fund<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.cashwaves.ca\/blog\/wonderful-money-saving-guidelines-for-the-summer\/#Example_A_Simple_13-Week_Summer_Savings_Challenge\" >Example: A Simple 13-Week Summer Savings Challenge<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.cashwaves.ca\/blog\/wonderful-money-saving-guidelines-for-the-summer\/#Dont_Treat_Predictable_Summer_Spending_as_an_Emergency\" >Don&#8217;t Treat Predictable Summer Spending as an Emergency<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.cashwaves.ca\/blog\/wonderful-money-saving-guidelines-for-the-summer\/#A_Simple_Summer_Money-Saving_Checklist\" >A Simple Summer Money-Saving Checklist<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.cashwaves.ca\/blog\/wonderful-money-saving-guidelines-for-the-summer\/#Make_Money_Saving_Sustainable_Beyond_Summer\" >Make Money Saving Sustainable Beyond Summer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.cashwaves.ca\/blog\/wonderful-money-saving-guidelines-for-the-summer\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><\/li><\/ul><\/nav><\/div>\n\n<p class=\"wp-block-paragraph\">Summer often feels like the season to spend.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Long weekends, road trips, restaurant patios, concerts, festivals, family outings and warmer weather can all add extra costs to a household budget. At the same time, cooling bills, fuel costs and vacation spending may increase.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That doesn&#8217;t mean you have to spend the summer saying no to everything.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A better approach is to decide <strong>where you want your money to go before the season starts<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Effective summer <strong>money saving<\/strong> comes from combining a realistic budget with a few habits that reduce unnecessary spending without removing everything you enjoy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you want to strengthen your overall financial routine first, CashWaves&#8217; guide on <a href=\"https:\/\/www.cashwaves.ca\/blog\/how-to-make-a-budget-tailored-to-the-canadian-lifestyle\/\">making a budget tailored to the Canadian lifestyle<\/a> is a useful starting point.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Give_Your_Summer_Money_a_Job_Before_You_Spend_It\"><\/span>Give Your Summer Money a Job Before You Spend It<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The easiest expenses to overspend on are often the ones that don&#8217;t have a budget category.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Instead of using one general amount labelled \u201cfun,\u201d break your summer spending into categories such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>vacations<\/li>\n\n\n\n<li>weekend outings<\/li>\n\n\n\n<li>restaurants<\/li>\n\n\n\n<li>fuel<\/li>\n\n\n\n<li>festivals and events<\/li>\n\n\n\n<li>children&#8217;s activities<\/li>\n\n\n\n<li>home cooling<\/li>\n\n\n\n<li>seasonal shopping<\/li>\n\n\n\n<li>gifts and celebrations<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Then decide how much you can realistically spend in each category.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/make-budget.html\" target=\"_blank\" rel=\"noopener\">Financial Consumer Agency of Canada guide to making a budget<\/a> recommends tracking what comes in, what goes out and what you want to save.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can also use the Government of Canada&#8217;s free <a href=\"https:\/\/itools-ioutils.fcac-acfc.gc.ca\/BP-PB\/budget-planner\" target=\"_blank\" rel=\"noopener\">Budget Planner<\/a> to build a more detailed household budget.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Try_a_separate_summer_spending_account\"><\/span>Try a separate summer spending account<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If your bank offers a suitable low-fee or no-fee option, you may find it helpful to put your planned summer spending into a separate account.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, suppose you decide you can comfortably spend $900 on summer entertainment and short trips.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Instead of dipping into your everyday account whenever something comes up, treat that $900 as your seasonal limit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When the budget is nearly gone, you know it&#8217;s time to switch to lower-cost activities.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Set_a_Summer_Savings_Goal\"><\/span>Set a Summer Savings Goal<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Saving money is easier when the goal has a purpose.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Instead of saying:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201cI want to save more this summer.\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Try:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201cI want to save $600 by the end of August for my emergency fund.\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Then break the amount down.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>$600 \u00f7 12 weeks = $50 per week<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A weekly target is easier to monitor than one large number.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your goal could be:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>building an emergency fund<\/li>\n\n\n\n<li>paying down a credit-card balance<\/li>\n\n\n\n<li>saving for school expenses<\/li>\n\n\n\n<li>preparing for winter bills<\/li>\n\n\n\n<li>creating a vacation fund<\/li>\n\n\n\n<li>saving for vehicle maintenance<\/li>\n\n\n\n<li>starting a home-repair fund<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">CashWaves has additional <a href=\"https:\/\/www.cashwaves.ca\/financial-tips.html\">financial tips for Canadians<\/a> if you&#8217;re working on a broader savings plan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Automate_Your_Savings_on_Payday\"><\/span>Automate Your Savings on Payday<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Saving whatever is left at the end of the month often means saving very little.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Try reversing the process.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Set up an automatic transfer shortly after your pay is deposited.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Even relatively small amounts add up.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th class=\"has-text-align-right\" data-align=\"right\">Automatic Saving<\/th><th class=\"has-text-align-right\" data-align=\"right\">Approximate Amount After 13 Weeks<\/th><\/tr><tr><td class=\"has-text-align-right\" data-align=\"right\">$10 per week<\/td><td class=\"has-text-align-right\" data-align=\"right\">$130<\/td><\/tr><tr><td class=\"has-text-align-right\" data-align=\"right\">$20 per week<\/td><td class=\"has-text-align-right\" data-align=\"right\">$260<\/td><\/tr><tr><td class=\"has-text-align-right\" data-align=\"right\">$30 per week<\/td><td class=\"has-text-align-right\" data-align=\"right\">$390<\/td><\/tr><tr><td class=\"has-text-align-right\" data-align=\"right\">$50 per week<\/td><td class=\"has-text-align-right\" data-align=\"right\">$650<\/td><\/tr><tr><td class=\"has-text-align-right\" data-align=\"right\">$75 per week<\/td><td class=\"has-text-align-right\" data-align=\"right\">$975<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">These examples don&#8217;t include interest and are simply illustrations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Government of Canada&#8217;s guidance on <a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/savings-investments\/setting-up-emergency-funds.html\" target=\"_blank\" rel=\"noopener\">setting up an emergency fund<\/a> specifically suggests using automatic transfers as one way to build a regular savings habit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Use_Your_Air_Conditioner_Strategically\"><\/span>Use Your Air Conditioner Strategically<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Keeping your home comfortable matters, especially during periods of extreme heat. Money saving should never come at the expense of your health or safety.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But you may still be able to reduce unnecessary cooling costs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/natural-resources.canada.ca\/stories\/spotlight-energy-efficiency\/stay-cool-all-summer\" target=\"_blank\" rel=\"noopener\">Natural Resources Canada<\/a> suggests strategies such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>closing blinds or curtains during hot sunny periods<\/li>\n\n\n\n<li>turning off unnecessary lights<\/li>\n\n\n\n<li>opening windows at night when the outdoor temperature is cooler and conditions are safe<\/li>\n\n\n\n<li>using ceiling fans appropriately<\/li>\n\n\n\n<li>air-drying clothes when practical<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">NRCan also advises that combining ceiling fans with air conditioning may allow you to raise the thermostat by about two degrees while maintaining comfort, potentially reducing air-conditioning costs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Remember that fans cool <strong>people<\/strong>, not empty rooms. Turn them off when nobody is using the space.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Keep_Sunlight_From_Heating_Your_Home\"><\/span>Keep Sunlight From Heating Your Home<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Direct summer sunlight can increase the heat entering a room.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Closing blinds, curtains or other window coverings on sunny windows during the hottest parts of the day can reduce heat gain.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That may reduce how hard your cooling system needs to work.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When outdoor temperatures drop in the evening, natural ventilation may also help in suitable weather.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The goal isn&#8217;t to make your home uncomfortable. It&#8217;s to avoid cooling heat that could have been prevented from entering in the first place.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Move_Heat-Producing_Tasks_to_Cooler_Hours\"><\/span>Move Heat-Producing Tasks to Cooler Hours<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ovens, clothes dryers and some appliances add heat to your home.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">During hotter weather, consider moving heat-producing activities to mornings or evenings where practical.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You might:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>cook outdoors when appropriate<\/li>\n\n\n\n<li>use smaller cooking appliances<\/li>\n\n\n\n<li>prepare cold meals occasionally<\/li>\n\n\n\n<li>air-dry suitable laundry<\/li>\n\n\n\n<li>run heat-producing appliances outside peak afternoon heat<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A meal such as sandwiches, salads, wraps or pre-cooked leftovers can sometimes cost less to prepare while also avoiding additional indoor heat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Plan_Meals_Before_Grocery_Shopping\"><\/span>Plan Meals Before Grocery Shopping<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Summer schedules can become unpredictable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You may buy groceries early in the week, then eat out several times because of social plans. The unused food may eventually be thrown away.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before shopping, check:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Which evenings will you actually eat at home?<\/li>\n\n\n\n<li>What food is already in your refrigerator or freezer?<\/li>\n\n\n\n<li>Which ingredients can be used in more than one meal?<\/li>\n\n\n\n<li>Which items are likely to spoil quickly?<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Environment and Climate Change Canada notes that reducing avoidable <a href=\"https:\/\/www.canada.ca\/en\/environment-climate-change\/services\/managing-reducing-waste\/food-loss-waste\/taking-stock.html\" target=\"_blank\" rel=\"noopener\">food loss and waste<\/a> can help households save money.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Meal planning doesn&#8217;t require preparing every meal a week in advance. Even knowing which four or five meals you&#8217;ll make can reduce unnecessary purchases.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Give_Leftovers_a_Second_Job\"><\/span>Give Leftovers a Second Job<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Leftovers are easiest to waste when they don&#8217;t have a plan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Instead of placing food in the refrigerator and hoping someone eats it, decide what it becomes next.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Monday:<\/strong> grilled chicken and vegetables<br><strong>Tuesday lunch:<\/strong> chicken wrap<br><strong>Tuesday dinner:<\/strong> leftover vegetables added to pasta or rice<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can also freeze suitable leftovers when you know you won&#8217;t eat them soon.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The goal is to turn groceries into meals rather than garbage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Carry_Water_and_Snacks_When_You_Go_Out\"><\/span>Carry Water and Snacks When You Go Out<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Convenience purchases are often small individually but can become expensive when repeated.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Imagine a family buying:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>four bottled drinks<\/li>\n\n\n\n<li>two snacks<\/li>\n\n\n\n<li>an ice cream<\/li>\n\n\n\n<li>parking<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">during several outings each month.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">None may seem expensive alone, but the total can add up quickly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before leaving home, consider packing:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>refillable water bottles<\/li>\n\n\n\n<li>fruit<\/li>\n\n\n\n<li>sandwiches<\/li>\n\n\n\n<li>granola bars<\/li>\n\n\n\n<li>reusable coffee cups<\/li>\n\n\n\n<li>a picnic meal<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">You&#8217;re not required to avoid every treat. Planning the basics simply leaves more of your entertainment budget available for things you actually value.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Build_Your_Summer_Around_Low-Cost_Activities\"><\/span>Build Your Summer Around Low-Cost Activities<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A memorable summer doesn&#8217;t require paying admission everywhere you go.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depending on where you live, lower-cost options may include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>public parks<\/li>\n\n\n\n<li>beaches<\/li>\n\n\n\n<li>hiking trails<\/li>\n\n\n\n<li>splash pads<\/li>\n\n\n\n<li>community events<\/li>\n\n\n\n<li>outdoor movie nights<\/li>\n\n\n\n<li>free concerts<\/li>\n\n\n\n<li>library programs<\/li>\n\n\n\n<li>picnics<\/li>\n\n\n\n<li>cycling<\/li>\n\n\n\n<li>neighbourhood festivals<\/li>\n\n\n\n<li>backyard gatherings<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Check your municipality&#8217;s event calendar before paying for an activity.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Families may find that alternating paid activities with free outings makes the entertainment budget last much longer.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Try_the_one-paid_one-free_rule\"><\/span>Try the one-paid, one-free rule<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For every paid summer activity, schedule one free activity.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Saturday 1:<\/strong> paid amusement park<br><strong>Saturday 2:<\/strong> picnic and public beach<br><strong>Saturday 3:<\/strong> restaurant outing<br><strong>Saturday 4:<\/strong> free community festival<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This makes it easier to enjoy paid experiences without turning every weekend into a major expense.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Put_a_Spending_Limit_on_Summer_Events\"><\/span>Put a Spending Limit on Summer Events<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tickets are often only the beginning of an event&#8217;s cost.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A concert, sporting event or festival may also involve:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>parking<\/li>\n\n\n\n<li>food<\/li>\n\n\n\n<li>drinks<\/li>\n\n\n\n<li>transportation<\/li>\n\n\n\n<li>merchandise<\/li>\n\n\n\n<li>childcare<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Before buying the ticket, calculate the <strong>whole outing<\/strong>, not just the admission price.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Expense<\/th><th class=\"has-text-align-right\" data-align=\"right\">Example<\/th><\/tr><tr><td>Two tickets<\/td><td class=\"has-text-align-right\" data-align=\"right\">$120<\/td><\/tr><tr><td>Parking<\/td><td class=\"has-text-align-right\" data-align=\"right\">$25<\/td><\/tr><tr><td>Food<\/td><td class=\"has-text-align-right\" data-align=\"right\">$45<\/td><\/tr><tr><td>Drinks<\/td><td class=\"has-text-align-right\" data-align=\"right\">$20<\/td><\/tr><tr><td>Merchandise<\/td><td class=\"has-text-align-right\" data-align=\"right\">$40<\/td><\/tr><tr><td><strong>Total outing<\/strong><\/td><td class=\"has-text-align-right\" data-align=\"right\"><strong>$250<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">This is only a hypothetical example, but it demonstrates why a $120 ticket purchase can turn into a much larger expense.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Decide your maximum amount before you attend.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Give_Road_Trips_a_Complete_Budget\"><\/span>Give Road Trips a Complete Budget<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Road trips may feel cheaper than flying, but costs can accumulate through fuel, accommodation, restaurant meals, parking and attractions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before leaving, estimate:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Transportation + accommodation + food + activities + parking + emergency buffer<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re travelling with several people, establish expectations in advance about who pays for what.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ways to control road-trip costs may include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>packing snacks<\/li>\n\n\n\n<li>bringing refillable water bottles<\/li>\n\n\n\n<li>checking parking costs before arrival<\/li>\n\n\n\n<li>combining nearby attractions into the same day<\/li>\n\n\n\n<li>comparing accommodation based on total cost rather than headline room price<\/li>\n\n\n\n<li>avoiding unnecessary driving once you reach your destination<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A vacation is much easier to enjoy when you&#8217;re not discovering the true cost after returning home.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Create_a_Daily_Vacation_Spending_Limit\"><\/span>Create a Daily Vacation Spending Limit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Vacation spending can feel different from ordinary spending.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s easy to think:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201cI&#8217;m already on vacation, so I might as well.\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Instead, decide on a flexible daily amount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Suppose you&#8217;ve allocated $700 for meals, entertainment and shopping during a seven-day trip.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A simple starting point is:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>$700 \u00f7 7 = $100 per day<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That doesn&#8217;t mean you must spend exactly $100 each day.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you spend $70 one day, you have an additional $30 available for another.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A daily guide prevents the first few days from consuming the entire vacation budget.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pause_Subscriptions_You_Wont_Use\"><\/span>Pause Subscriptions You Won&#8217;t Use<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Summer routines can change.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You may spend more time outdoors and less time using streaming, gaming, fitness or other subscription services.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Review recurring charges and ask:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Have I used this in the past month?<\/li>\n\n\n\n<li>Will I use it this summer?<\/li>\n\n\n\n<li>Can it be paused rather than cancelled?<\/li>\n\n\n\n<li>Am I paying for overlapping services?<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Even temporary pauses can redirect money toward a summer savings goal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Remember to check cancellation and restart terms before changing a subscription.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Add_a_Waiting_Period_to_Non-Essential_Purchases\"><\/span>Add a Waiting Period to Non-Essential Purchases<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Summer sales can create urgency:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Limited time.<\/strong><br><strong>End-of-season deal.<\/strong><br><strong>Today only.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A discount doesn&#8217;t automatically make something necessary.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Try giving yourself a waiting period before purchasing non-essential items.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For a smaller purchase, wait 24 hours.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For something more expensive, consider waiting several days.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Then ask:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Would I still want this if it weren&#8217;t labelled as a sale?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CashWaves&#8217; guide to <a href=\"https:\/\/www.cashwaves.ca\/blog\/money-saving-tips-to-save-money-fast\/\">money-saving tips that can help you save money faster<\/a> includes additional ideas for controlling unnecessary spending.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Start_Saving_for_Fall_Before_Summer_Ends\"><\/span>Start Saving for Fall Before Summer Ends<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Summer isn&#8217;t financially isolated from the rest of the year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Expenses may arrive soon afterward, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>school supplies<\/li>\n\n\n\n<li>children&#8217;s clothing<\/li>\n\n\n\n<li>tuition-related costs<\/li>\n\n\n\n<li>fall vehicle maintenance<\/li>\n\n\n\n<li>winter tires<\/li>\n\n\n\n<li>colder-weather clothing<\/li>\n\n\n\n<li>holiday spending<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These aren&#8217;t usually emergencies if you know they&#8217;re coming.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FCAC distinguishes unexpected emergencies from occasional or predictable expenses and recommends planning known expenses within your budget.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Create a sinking fund for the next seasonal expense.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, if you expect to need $600 in three months:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>$600 \u00f7 3 = $200 per month<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">or roughly:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>$600 \u00f7 12 weeks = $50 per week<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Planning gradually can make a predictable expense easier to absorb.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Use_Summer_Savings_to_Strengthen_Your_Emergency_Fund\"><\/span>Use Summer Savings to Strengthen Your Emergency Fund<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cutting expenses is useful, but the real benefit comes from deciding what happens to the money you save.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you save $50 by reducing restaurant spending and then spend that $50 somewhere else, your financial position hasn&#8217;t changed much.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consider transferring part of every saving directly to an emergency fund.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FCAC recommends working toward emergency savings that can cover roughly <strong>three to six months of regular expenses or income<\/strong>, while recognizing that this can take time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The agency also emphasizes starting with an amount that feels realistic.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You don&#8217;t need to build the entire fund in one summer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The goal is progress.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Example_A_Simple_13-Week_Summer_Savings_Challenge\"><\/span>Example: A Simple 13-Week Summer Savings Challenge<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Consider this hypothetical plan:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Change<\/th><th class=\"has-text-align-right\" data-align=\"right\">Weekly Saving<\/th><th class=\"has-text-align-right\" data-align=\"right\">13-Week Total<\/th><\/tr><tr><td>Reduce one takeout meal<\/td><td class=\"has-text-align-right\" data-align=\"right\">$20<\/td><td class=\"has-text-align-right\" data-align=\"right\">$260<\/td><\/tr><tr><td>Automatic savings transfer<\/td><td class=\"has-text-align-right\" data-align=\"right\">$25<\/td><td class=\"has-text-align-right\" data-align=\"right\">$325<\/td><\/tr><tr><td>Reduce convenience purchases<\/td><td class=\"has-text-align-right\" data-align=\"right\">$10<\/td><td class=\"has-text-align-right\" data-align=\"right\">$130<\/td><\/tr><tr><td><strong>Potential total<\/strong><\/td><td class=\"has-text-align-right\" data-align=\"right\"><strong>$55<\/strong><\/td><td class=\"has-text-align-right\" data-align=\"right\"><strong>$715<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The actual savings will depend entirely on your household&#8217;s spending.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The useful part is not the exact dollar amounts. It&#8217;s the habit of identifying a realistic cut and moving the money somewhere purposeful.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dont_Treat_Predictable_Summer_Spending_as_an_Emergency\"><\/span>Don&#8217;t Treat Predictable Summer Spending as an Emergency<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A planned vacation, festival ticket or restaurant outing may be enjoyable, but it isn&#8217;t an unexpected emergency.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Using expensive short-term borrowing for discretionary summer spending can turn a short-lived experience into a repayment obligation after summer ends.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CashWaves&#8217; <a href=\"https:\/\/www.cashwaves.ca\/responsible-lending.html\">responsible lending guidance<\/a> recommends considering your budget and lower-cost alternatives before using short-term credit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If borrowing becomes necessary for an actual urgent expense, understand:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the total amount you&#8217;ll repay<\/li>\n\n\n\n<li>all applicable costs<\/li>\n\n\n\n<li>the due date or payment schedule<\/li>\n\n\n\n<li>whether repayment fits your existing budget<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The better outcome, whenever feasible, is to save in advance for expenses you can reasonably predict.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"A_Simple_Summer_Money-Saving_Checklist\"><\/span>A Simple Summer Money-Saving Checklist<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">At the beginning of each month:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Review your summer spending limit.<\/li>\n\n\n\n<li>Check upcoming events and trips.<\/li>\n\n\n\n<li>Plan groceries around your actual schedule.<\/li>\n\n\n\n<li>Review energy use.<\/li>\n\n\n\n<li>Transfer your planned savings.<\/li>\n\n\n\n<li>Check recurring subscriptions.<\/li>\n\n\n\n<li>Set aside money for upcoming fall expenses.<\/li>\n\n\n\n<li>Review whether your entertainment spending is still on track.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">You don&#8217;t need to cut everything at once.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">One or two changes that continue for the whole summer may be more effective than an extreme budget you abandon after a week.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Make_Money_Saving_Sustainable_Beyond_Summer\"><\/span>Make Money Saving Sustainable Beyond Summer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The strongest money-saving habits aren&#8217;t seasonal tricks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">They&#8217;re systems you can keep using.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A useful system might include:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Budget \u2192 automate savings \u2192 track progress \u2192 review expenses \u2192 adjust<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you discover that bringing lunch twice a week works, continue after summer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If an automatic $25 transfer doesn&#8217;t affect your ability to pay essential bills, consider keeping it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If closing blinds and using fans more strategically lowers your energy consumption while keeping your home comfortable, make it part of your normal summer routine.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The best money-saving guideline is one that still works after the motivation of a new budget wears off.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For more practical personal-finance information, visit the <a href=\"https:\/\/www.cashwaves.ca\/financial-tips.html\">CashWaves Financial Tips<\/a> resource centre.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-37e7b535 uagb-faq-icon-row-reverse uagb-faq-layout-accordion uagb-faq-expand-first-true uagb-faq-inactive-other-true uagb-faq__wrap uagb-buttons-layout-wrap uagb-faq-equal-height     \" data-faqtoggle=\"true\" role=\"tablist\"><script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"@id\":\"https:\\\/\\\/www.cashwaves.ca\\\/blog\\\/wonderful-money-saving-guidelines-for-the-summer\\\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the easiest way to start saving money this summer?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Start by choosing one specific weekly amount and automate the transfer to savings.<br><br>Even $10 or $20 each week creates a visible result by the end of the season. The amount should be realistic enough that you're unlikely to cancel the transfer to cover essential bills.\"}},{\"@type\":\"Question\",\"name\":\"How can I save money on air conditioning in the summer?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Natural Resources Canada recommends measures such as closing blinds during sunny periods, using cooler night air when conditions allow, using ceiling fans and adjusting your thermostat while maintaining a safe and comfortable indoor temperature.<br><br>See <a href=\\\"https:\\\/\\\/natural-resources.canada.ca\\\/stories\\\/spotlight-energy-efficiency\\\/stay-cool-all-summer\\\">Natural Resources Canada's summer cooling guidance<\\\/a>.\"}},{\"@type\":\"Question\",\"name\":\"How can families save money on summer activities?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Mix paid outings with free or low-cost activities such as public parks, beaches, community events, picnics, library activities and local festivals.<br><br>Decide on a monthly entertainment limit before the season becomes busy.\"}},{\"@type\":\"Question\",\"name\":\"How can I reduce summer grocery spending?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Plan meals around your actual schedule, check what you already own before shopping, use leftovers intentionally and freeze suitable food before it spoils.<br><br>Reducing food waste can also reduce the amount of grocery money that is effectively thrown away.\"}},{\"@type\":\"Question\",\"name\":\"Is it worth having a separate summer budget?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It can be.<br><br>A seasonal budget makes variable expenses such as vacations, festivals, restaurants and children's activities more visible instead of allowing them to blend into everyday spending.\"}},{\"@type\":\"Question\",\"name\":\"How much should I have in an emergency fund?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"FCAC suggests gradually working toward roughly three to six months of regular expenses or income, while also emphasizing that people can start with much smaller amounts.<br><br>Read the Government of Canada's <a href=\\\"https:\\\/\\\/www.canada.ca\\\/en\\\/financial-consumer-agency\\\/services\\\/savings-investments\\\/setting-up-emergency-funds.html\\\">emergency fund guidance<\\\/a>.\"}},{\"@type\":\"Question\",\"name\":\"Should I use my emergency fund for a vacation?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A vacation is generally a planned expense rather than an emergency.<br><br>Consider creating a separate vacation savings fund so your emergency savings remain available for unexpected events such as urgent repairs, loss of income or other unplanned necessities.\"}},{\"@type\":\"Question\",\"name\":\"How can I save money if my budget is already tight?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Start by tracking spending rather than immediately making large cuts.<br><br>Look for recurring charges, unused subscriptions, food waste and small discretionary purchases that can be reduced without affecting essential needs.<br><br>If there is little room to cut, focus on a very small savings target rather than setting an unrealistic goal.\"}},{\"@type\":\"Question\",\"name\":\"Is borrowing a good way to pay for summer entertainment?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Borrowing increases the future cost of today's spending.<br><br>For discretionary summer expenses, saving in advance is generally preferable when possible. If you're considering any form of short-term borrowing for an urgent need, compare alternatives and calculate the total repayment obligation first.\"}}]}<\/script><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-c09cd37b \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What is the easiest way to start saving money this summer?<\/span><\/div><div class=\"uagb-faq-content\"><p>Start by choosing one specific weekly amount and automate the transfer to savings.<br><br>Even $10 or $20 each week creates a visible result by the end of the season. The amount should be realistic enough that you&#8217;re unlikely to cancel the transfer to cover essential bills.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-0dabded2 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">How can I save money on air conditioning in the summer?<\/span><\/div><div class=\"uagb-faq-content\"><p>Natural Resources Canada recommends measures such as closing blinds during sunny periods, using cooler night air when conditions allow, using ceiling fans and adjusting your thermostat while maintaining a safe and comfortable indoor temperature.<br><br>See <a href=\"https:\/\/natural-resources.canada.ca\/stories\/spotlight-energy-efficiency\/stay-cool-all-summer\" target=\"_blank\" rel=\"noopener\">Natural Resources Canada&#8217;s summer cooling guidance<\/a>.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-d8942cf7 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">How can families save money on summer activities?<\/span><\/div><div class=\"uagb-faq-content\"><p>Mix paid outings with free or low-cost activities such as public parks, beaches, community events, picnics, library activities and local festivals.<br><br>Decide on a monthly entertainment limit before the season becomes busy.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-af3d1355 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">How can I reduce summer grocery spending?<\/span><\/div><div class=\"uagb-faq-content\"><p>Plan meals around your actual schedule, check what you already own before shopping, use leftovers intentionally and freeze suitable food before it spoils.<br><br>Reducing food waste can also reduce the amount of grocery money that is effectively thrown away.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-8328361a \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Is it worth having a separate summer budget?<\/span><\/div><div class=\"uagb-faq-content\"><p>It can be.<br><br>A seasonal budget makes variable expenses such as vacations, festivals, restaurants and children&#8217;s activities more visible instead of allowing them to blend into everyday spending.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-cc084d5c \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">How much should I have in an emergency fund?<\/span><\/div><div class=\"uagb-faq-content\"><p>FCAC suggests gradually working toward roughly three to six months of regular expenses or income, while also emphasizing that people can start with much smaller amounts.<br><br>Read the Government of Canada&#8217;s <a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/savings-investments\/setting-up-emergency-funds.html\" target=\"_blank\" rel=\"noopener\">emergency fund guidance<\/a>.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-59c52148 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Should I use my emergency fund for a vacation?<\/span><\/div><div class=\"uagb-faq-content\"><p>A vacation is generally a planned expense rather than an emergency.<br><br>Consider creating a separate vacation savings fund so your emergency savings remain available for unexpected events such as urgent repairs, loss of income or other unplanned necessities.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-c5ae8aba \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">How can I save money if my budget is already tight?<\/span><\/div><div class=\"uagb-faq-content\"><p>Start by tracking spending rather than immediately making large cuts.<br><br>Look for recurring charges, unused subscriptions, food waste and small discretionary purchases that can be reduced without affecting essential needs.<br><br>If there is little room to cut, focus on a very small savings target rather than setting an unrealistic goal.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-5dd826f7 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Is borrowing a good way to pay for summer entertainment?<\/span><\/div><div class=\"uagb-faq-content\"><p>Borrowing increases the future cost of today&#8217;s spending.<br><br>For discretionary summer expenses, saving in advance is generally preferable when possible. If you&#8217;re considering any form of short-term borrowing for an urgent need, compare alternatives and calculate the total repayment obligation first.<\/p><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Summer often feels like the season to spend. Long weekends, road trips, restaurant patios, concerts, festivals, family outings and warmer weather can all add extra costs to a household budget. At the same time, cooling bills, fuel costs and vacation spending may increase. That doesn&#8217;t mean you have to spend the summer saying no to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":340,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":"","_yoast_wpseo_title":"Money Saving Guidelines For The Wonderful Summer","_yoast_wpseo_metadesc":"Money Saving tips you can bank on. Click a topic ... A \"27 endorsement\" can save insurance costs; Getting divorced.Help you and your family.","_yoast_wpseo_focuskw":"Money Saving","rank_math_title":"17 Summer Money Saving Tips for Canadians in 2026 ","rank_math_description":"Money saving tips for Canadians, including ways to cut cooling, food, travel and entertainment costs while building your savings.","rank_math_focus_keyword":"Money Saving","_dpc-meta-title":"","_dpc-meta-description":"","_dpc-keyword":""},"categories":[31],"tags":[39,40],"class_list":["post-173","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-tips","tag-money-saving","tag-save-money"],"uagb_featured_image_src":{"full":["https:\/\/www.cashwaves.ca\/blog\/wp-content\/uploads\/2021\/05\/Money-Saving-Tips.webp",1920,1080,false],"thumbnail":["https:\/\/www.cashwaves.ca\/blog\/wp-content\/uploads\/2021\/05\/Money-Saving-Tips-150x150.webp",150,150,true],"medium":["https:\/\/www.cashwaves.ca\/blog\/wp-content\/uploads\/2021\/05\/Money-Saving-Tips-300x169.webp",300,169,true],"medium_large":["https:\/\/www.cashwaves.ca\/blog\/wp-content\/uploads\/2021\/05\/Money-Saving-Tips-768x432.webp",640,360,true],"large":["https:\/\/www.cashwaves.ca\/blog\/wp-content\/uploads\/2021\/05\/Money-Saving-Tips-1024x576.webp",640,360,true],"1536x1536":["https:\/\/www.cashwaves.ca\/blog\/wp-content\/uploads\/2021\/05\/Money-Saving-Tips-1536x864.webp",1536,864,true],"2048x2048":["https:\/\/www.cashwaves.ca\/blog\/wp-content\/uploads\/2021\/05\/Money-Saving-Tips.webp",1920,1080,false],"post-thumbnail":["https:\/\/www.cashwaves.ca\/blog\/wp-content\/uploads\/2021\/05\/Money-Saving-Tips-768x432.webp",768,432,true],"color-blog-full-width":["https:\/\/www.cashwaves.ca\/blog\/wp-content\/uploads\/2021\/05\/Money-Saving-Tips-1160x653.webp",1160,653,true],"color-blog-post":["https:\/\/www.cashwaves.ca\/blog\/wp-content\/uploads\/2021\/05\/Money-Saving-Tips-600x400.webp",600,400,true],"color-blog-post-auto":["https:\/\/www.cashwaves.ca\/blog\/wp-content\/uploads\/2021\/05\/Money-Saving-Tips-600x338.webp",600,338,true],"color-blog-slider-post":["https:\/\/www.cashwaves.ca\/blog\/wp-content\/uploads\/2021\/05\/Money-Saving-Tips-1200x700.webp",1200,700,true]},"uagb_author_info":{"display_name":false,"author_link":"https:\/\/www.cashwaves.ca\/blog\/author\/admin\/"},"uagb_comment_info":0,"uagb_excerpt":"Summer often feels like the season to spend. Long weekends, road trips, restaurant patios, concerts, festivals, family outings and warmer weather can all add extra costs to a household budget. At the same time, cooling bills, fuel costs and vacation spending may increase. That doesn&#8217;t mean you have to spend the summer saying no to&hellip;","_links":{"self":[{"href":"https:\/\/www.cashwaves.ca\/blog\/wp-json\/wp\/v2\/posts\/173","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cashwaves.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cashwaves.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cashwaves.ca\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cashwaves.ca\/blog\/wp-json\/wp\/v2\/comments?post=173"}],"version-history":[{"count":8,"href":"https:\/\/www.cashwaves.ca\/blog\/wp-json\/wp\/v2\/posts\/173\/revisions"}],"predecessor-version":[{"id":485,"href":"https:\/\/www.cashwaves.ca\/blog\/wp-json\/wp\/v2\/posts\/173\/revisions\/485"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cashwaves.ca\/blog\/wp-json\/wp\/v2\/media\/340"}],"wp:attachment":[{"href":"https:\/\/www.cashwaves.ca\/blog\/wp-json\/wp\/v2\/media?parent=173"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cashwaves.ca\/blog\/wp-json\/wp\/v2\/categories?post=173"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cashwaves.ca\/blog\/wp-json\/wp\/v2\/tags?post=173"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}