piggy bank with sunglasses by the pool

Ah, summer—the season of sunshine, barbecues, and lake days. But while you're soaking up the rays and enjoying your favorite outdoor activities, it's also a fantastic time to shine a spotlight on your finances. With some planning and smart choices, you can ensure your wallet stays as bright as the summer sun. Heartland Bank is here to help you make the most of your money with savvy summer saving strategies.

1. Embrace Energy Efficiency

Summer heat often means higher utility bills. Combat this by making your home more energy-efficient:

  • Install a Programmable Thermostat. Adjusting the temperature when you're not home can save you up to 10% on cooling costs.

  • Use Fans Wisely. Ceiling and portable fans can help circulate cool air, reducing the need for air conditioning.
  • Seal Leaks. Check doors and windows for drafts. Sealing leaks can prevent cool air from escaping, keeping your home cooler for less.
  • Use Blinds and Curtains to keep your home cooler. Block out the sun during the hottest parts of the day. Blackout curtains protect furniture and flooring from exposure to excessive sunlight and UV rays and can provide energy-saving benefits by keeping your house cool.
  • DIY Projects. Summer is a great time to tackle those DIY projects you've been putting off. It's productive and can add value to your home.

2. Plan a Staycation

Vacations don't have to break the bank. Consider exploring local attractions and enjoying the beauty of Nebraska.

  • Discover Local Parks. Many local parks offer free or low-cost activities like hiking, picnicking, and wildlife watching.
  • Attend Community Events. From the farmers' market to free concerts, plenty of local events can provide entertainment without the travel expenses.
  • Explore Historical Sites. Nebraska is rich in history. Visit nearby museums and historical landmarks to learn and have fun on a budget. 
  • Lake Days. A day by the water is relaxing and budget-friendly if you're near a lake or beach.
  • Outdoor Movies. Many communities host free outdoor movie nights- pack snacks and enjoy a film under the stars.

3. Maximize Outdoor Cooking

Summer is perfect for grilling, which can be a more cost-effective way to cook.

  • Grill Season Produce. Vegetables and fruits are delicious on the grill and often cheaper in the summer due to their abundance.
  • Cook in Batches. Grill extra food and store it for later meals, saving time and money for future dinners.
  • Host Potlucks. Invite friends over and ask everyone to bring a dish. It's a great way to socialize without shouldering all the food costs.
  • Shop Farmers' Markets. Fresh, local produce is often cheaper and tastier. Plus, you support local farmers!
  • Plan Your Meals. Avoid impulse buys by planning your meals for the week. Stick to your shopping list to prevent overspending.
  • Bulk Buying. Take advantage of sales and buy non-perishable items in bulk. This can save you money in the long run.

4. Review and Adjust Your Budget

Use the summer to reassess your financial goals.

  • Track Your Spending. You can use apps or spreadsheets to monitor where your money is going, or you can check out our HB Mobile Banking App. Our upgraded card experience puts more control, convenience, and safety in your hands. Click here to learn more about our card management services, which are available in our app.
  • Adjust Savings Goals. With potentially lower expenses, consider increasing your savings contributions.
  • Consult an Associate. Heartland Bank offers many different services to help you make the most of your money. Stop by your local branch today, and let's discuss ways we can help you save more.

Enjoy the Season with Financial Peace of Mind

Summer is a time for relaxation and fun, and with these saving strategies, you can enjoy the season without worrying about your finances. Heartland Bank is here to support your financial health year-round. Visit us today for more tips. 

Stay cool, stay savvy, and have a fantastic summer!

Heartland Bank

Heartland Bank is a family-owned bank located in 15 communities across the heart of Nebraska. Its vision is to improve the lives of customers, associates, and communities. Heartland Bank has been a five-time recipient of American Bankers' Best Banks to Work For award.

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