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5 Summertime Savings Tips to Keep Your Budget Cool
Tom Hartford, Senior Editor
July 15th, 2020
Affected by COVID-19? Here are a few resources to help during this unprecedented situation.
On March 27, 2020, the Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed into law to aid individuals and businesses impacted by the COVID-19 pandemic. This bill is the largest of its kind in U.S. history.
Individuals will receive tax credits in the form of a check or direct deposit. No action is required to receive this benefit. This includes $1,200 per adult and $500 per child to individual filers earning less than $75,000 annually, along with other stipulations. Track your Stimulus Check here.
This CARES Act also includes expanded unemployment benefits. Requirements now include self-employed, independent contractors, gig economy workers, and more. To apply, contact your state unemployment office. Find their contact information on the U.S. Department of Labor website.
At this time, mortgage lenders and servicers can provide payment deferral of up to 180 days on federally backed loans. If needed, contact your mortgage provider to discuss deferring mortgage payments.
If you cannot pay rent, talk with your housing provider, as you may be protected under the CARES Act. Read more about COVID rent relief here.
The heat is on. We’ve officially reached summertime. And while this year has certainly been quite different from years past, we can still count on two things this summer season: warm weather and lots of sunshine.
With everything going on these days, you may be searching for a few summertime savings tips to keep your budget cool this month.
Looking for a few ways to spend a little less money this summer? We’ve got 5 summertime savings tips here to help you keep costs low this month and beyond.
This year, the United States of America turned 244 years old. And to celebrate, countless companies across the nation will hold special Independence Day sales online and storewide. These sales extend throughout July and may offer a few summertime savings opportunities.
Save on Groceries
Both local and chain grocery stores typically run sales on foods related to outdoor celebrations around summertime. This may include bags of chips, meats for BBQ, soft drinks, and more.
If you’re able, this is an opportune time to rack up on non-perishable food items while they’re on sale. Remember, you can also freeze meat, veggies, and even bread, too.
Shop Large Purchases
If you’re in the market for a big-ticket item, you may be able to find it at a discount. During peak summer months and back to school shopping events, major retailers run all sorts of sales.
For example, you may find appliances, mattresses, technology, and outdoor items at special prices. Keep in mind, the next big holiday sales event is in September for Labor Day.
2. Conserve Electricity
With summertime comes lots of sunshine. That means less need for lights on in the house and more time spent outdoors.
Bump up the Temperature
It’s hot out there. So that means your AC unit works overdrive to keep things cool in the house. Raise the thermostat a bit to help conserve electricity and combat rising utility costs. Sure, it’ll be a little warmer. But don’t worry, you’ll adjust in no time.
If you’re trying to keep the house cool, you may want to cover up a few windows. While the glass lets in sunshine, it also allows heat inside, too. Lower the blinds, close the curtains, or get crafty with your window coverings.
Look for Cracks and Air Leaks
In older homes and buildings, you may find some air leaks around windows and doors. These cracks allow warm air inside. Visit a hardware store nearby for an easy solution to seal up those air leaks.
3. Head Outdoors
If you’re looking for summertime savings tips for activities and vacations, consider the great outdoors. Whether you’re trying to entertain the kiddos or looking for some peace and quiet, there’s much fun to be had out there.
And the best part is that outdoor activities can be budget-friendly. For example, many state and national parks are free. These protected natural areas usually have hiking trails, water activities, parks for kids to play, and more.
You can even have fun in the sun right at home. Whether it’s a homemade slip and slide, flying a kite, or biking, running, or jogging, there’s much to do outside during summertime.
4. Garage Sales
There’s something about summertime that screams garage sale! These nifty second-hand sales offer both thrifty snags and some extra cash.
Visit a Nearby Garage Sale
If you’re searching for new clothes, furnishings, or home entertainment, you’re bound to find summertime savings at a garage sale nearby. You can find these through neighborhood signs and postings, in your local newspaper, and on Craigslist and Facebook, just to name a few places.
Host Your Own Garage Sale
On the other hand, if you wish to sell a few unwanted items, you may want to host your own garage sale. Here’s the secret to success: join forces with other families. Reach out to neighbors or collaborate with your church or other local groups to hold a multi-family garage sale. This will attract more buyers with more items to offer.
5. Dig Up Your Veggies
One of the most popular summertime savings tips is to grow your own garden. Of course, this activity does require a startup cost. However, you’ll reap the benefits you sow when harvest time comes around.
Depending on your area, this time of year is when you start planting cabbage, carrots, kale, and spinach. These hearty greens will make scrumptious meals for you and your family. Plus, did you know that leafy greens take longer to digest? That means you’ll stay fuller longer.
Need Cash? Try Check Into Cash
To make your summertime a little sweeter, we’ve got a few loan options for you.
Payday Loans from Check Into Cash
Need a small, quick loan? A Payday Loan is a small-dollar, short-term personal loan used to help with unexpected expenses. Payday Loans generally range from $50–$500, depending on your state, and are not intended to be used on large purchases.
Payday Loans are a safe and convenient way to cover small, unplanned expenses. Built to help with life’s small emergencies, Payday Loans offer quick cash when payday is a little too far away.
Installment Loans from Check Into Cash
Need a little more cash? An Installment Loan is a longer term loan that offers higher dollar amounts of up to $5,000, depending on your area. You can pay it back over a longer period of time with bi-weekly or monthly payments over terms ranging a few weeks to a few months.
Also, there is no penalty for early payment. Installment Loans can cover emergency expenses during extended times of financial need and uncertainty.
Try a Title Loan
With a Title Loan, you can borrow using your vehicle title as collateral. If this loan type is offered in your area, all you need to do is bring the clear title of your vehicle and a few other documents, like proof of income and photo ID, depending on your state. Then, if approved, you can drive away with cash the same day.
What Other Services Does Check Into Cash Offer?
Did you know Check Into Cash provides more than Payday Loans? That’s right, we also allow Check Cashing, Money Transfer, Bill Pay, and more. Discover all we have to offer by clicking below.
Myths and Facts About Small-Dollar Loans Tom Hartford, Senior Editor October 9th, 2020 Affected by COVID-19? Here are a few resources to help during this unprecedented situation. CARES Act On March...
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