Summer Saving Tips: Enjoy More While Spending Less

Summer is here—and while the sun is shining and the calendar fills with travel, events, and family fun, it’s easy for expenses to sneak up on you. At Platinum Federal Credit Union, we believe you can enjoy the season without breaking the bank. Here are some smart, simple tips to help you save money and make the most of your summer.

1. Plan Your Summer Budget

Before you book that vacation or splurge on weekend activities, take a moment to map out your summer expenses. Include:

• Travel and lodging

• Day trips or camps for the kids

• Backyard BBQs

• Higher utility bills from A/C use

Creating a dedicated summer budget helps you stay in control and avoid credit card surprises come September.

2. Take Advantage of Free Local Fun

You don’t need to spend big to make memories. Many local communities, parks, and libraries host free or low-cost summer events:

• Outdoor concerts and movies

• Storytime and craft days at the library

• Community festivals and cultural celebrations

Check your city’s event calendar and take advantage of everything our vibrant communities have to offer—without paying a dime.

3. Save on Energy Costs

With temperatures climbing, your utility bills can too. Try these simple hacks to keep cool for less:

• Set your thermostat to 78°F when you’re home, and higher when you’re out

• Use ceiling fans and blackout curtains

• Avoid using the oven during peak heat—grill outdoors or prep no-cook meals

4. Get Smart About Travel

Summer travel doesn’t have to come with sky-high price tags. Use these money-saving tactics:

• Book flights and hotels in advance for the best rates

• Pack snacks and reusable water bottles to avoid airport markups

• Look into “staycations”—exploring nearby destinations can be just as fun and far more affordable

Plus, consider using the Platinum FCU VISA® Credit Card to earn points or cashback on your travel purchases.

5. Keep the Kids Entertained Without Overspending

School’s out, but entertainment doesn’t have to be expensive. Try:

• DIY crafts, scavenger hunts, or water balloon games at home

• Discount days at local museums or amusement parks

• Free meal programs or reading challenges at local libraries

Small experiences often make the biggest impact.

6. Cool Off with Member-Only Savings

At PFCU, we’re here to help you make the most of your summer. Be sure to check out our special offers on auto loans, personal loans, and credit cards with low rates. As a member, you have access to financial tools that can keep your summer spending stress-free.

Make This a Season of Smart Spending

A memorable summer doesn’t have to come with a hefty price tag. With a little planning and creativity—and the support of your credit union—you can enjoy everything the season has to offer, while building a brighter financial future.

Need help setting a summer budget or exploring savings options? Contact your local PFCU branch or visit www.platinumfcu.org to speak with a team member today!