Summer Temptations

As summer approaches, my wife and I become increasingly more active. I have recently started biking to work and am loving being outdoors. The warm weather and many adventures to be had in the coming months seems to lift my spirits. The dark, gloomy winters always have a way at deflating your psyche. Yet, the weather isn’t the only reason for excitement. With it comes vacations, trips, and many more treats (or temptations) that require us to spend a lot more money. While I am careful to budget for it ahead of time, I have to be careful because the Summer season brings a lot of temptation to splurge and go into consumer debt.

Aspects of Summer that Encourages Spending

Vacations: The first and foremost area of spending more money in the summer is vacation. As I have probably discussed before, my wife and I take a nice anniversary trip each year. Sometimes we fly somewhere (once every couple years) and other years we travel nearby. Simply put, vacations can be quite expensive and it is important to both budget for it and be careful not to go overboard. We often buy our airline tickets in the Spring to help cushion the expense. Dividing the costs of your vacation can help ease your conscience and keep you in the black.

Ice-Cream: This may seem silly coming right after something that will cost you thousands of dollars. Who said a few bucks for ice-cream hurt anyone’s wallet? My initial response is that every little bit adds up. When you are trying to save money, letting yourself splurge without any limitations can be quite dangerous.

Weddings: One of my best friends from college is getting married this year. While this is the only wedding that I am in, I am buying my first suit for the wedding. This will cost me hundreds of dollars on top of the travel costs and hotel.  I’m not regretting my choice to take part in the wedding. It’s definitely worth the expense, but it is just another expense on top of everything else. It’s something to be aware of. As it turns out, many of our other friends are getting married over the summer and will require numerous other trips.

While my wife and I could go all-out and spend without any concern for our household budget, we would hate to throw away all of our hard work that we put in the rest of the year for a few good months. If you are planning your summer trips, you may want to ask yourself the same question. Will you throw away all of your hard work? Can you afford to do this or that?

What Summer items tempt you to throw out your budget and enjoy yourself?

 

7 Responses to Summer Temptations

  1. Wow, that is a tough one. I’m fairly disciplined, so most of my spending is planned. But I guess my recent splurges have been in the garden, I’m obsessed with creating the perfect outdoor space.

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  5. […] @ Young Family Finance writes Summer Temptations – Find out how I resist the many temptations that the summer months bring. Are vacations and […]

  6. […] @ Young Family Finance writes Summer Temptations – Find out how I resist the many temptations that the summer months bring. Are vacations and […]

  7. […] my family. My wife and I have been going to weddings left and right, as well as taking our annual vacation. As we were driving home from Ohio, where we went to the most recent wedding, I couldn’t help […]

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