How to have a debt-free summer holiday  

Tolu Frimpong has tips on how to make the most of summer holidays without the stress of debt, even as the leaves start to fall.

The summer holiday is here again in what feels like the blink of an eye!

While it’s tempting to splurge on expensive trips and activities for the little ones, it’s entirely possible to have a fantastic time without breaking the bank.

This blog post will explore seven practical ways to enjoy a debt-free summer holiday. 

Create a summer holiday budget 

The first step to a debt-free summer holiday is to create a budget. Plan your expenses for the entire time off, including travel, accommodation, food, and activities.

Use a spreadsheet or a budgeting app to track your spending. Knowing exactly how much you can afford will help you make better decisions and avoid unnecessary expenses. 

Take packed lunches 

Eating out during days out can quickly add up. Instead, take packed lunches. Not only will it save you money, but it can also be a healthier option.

For example, if you’re visiting a beautiful nature reserve, pack sandwiches, fruit, and snacks to enjoy while you’re there. It’ll be cheaper and taste better, especially with the stunning views as your backdrop. 

More from Tolu Frimpong on Mouthy Money

Staycations 

A staycation is a fantastic way to save money while exploring local attractions. The UK has plenty of beautiful places and exciting activities to explore.

For instance, you could spend a day in the Cotswolds, exploring charming villages like Bourton-on-the-Water or Stow-on-the-Wold. Or, visit the Peak District and hike up Mam Tor for breathtaking views.

These local adventures can be as rewarding as an international trip but at a fraction of the price.  

Use public transport 

Save on petrol and parking fees by using public transport. Many cities offer affordable day passes for buses and trains, making it a cost-effective way to get around.

For example, you can use an Oyster card in London to travel across the city’s extensive public transport network.

Take the train to the South Bank and enjoy a day exploring the Tate Modern, strolling along the Thames, and visiting the markets at Borough Market – many of which offer free samples. 

DIY entertainment 

Entertainment doesn’t have to be expensive. Organise free or low-cost activities like beach days, hiking, picnics, or home movie nights.

Head to Bournemouth Beach or the stunning sands of Rhossili Bay in Wales for a beach day. Pack a picnic and beach games, and enjoy the sun and sea.

For a hiking adventure, the Yorkshire Dales offers spectacular trails and beautiful scenery, perfect for a day out without spending a penny. 

Cook together 

Instead of eating out often, try to recreate some of your favourite takeaway meals or experiment with new recipes from cookbooks or online, as this not only saves money but also makes for a fun activity that the whole family can enjoy.

Get the kids involved by having them chop fruit and vegetables, mix sauces, and help with other simple tasks. 

Take advantage of free days out 

Many attractions across the UK offer free admission on certain days or have always available areas.

For instance, the British Museum in London, the National Museum of Scotland in Edinburgh, and the National Gallery in London all offer free entry. Plan your visits around these opportunities to enjoy cultural and educational experiences without spending a penny.

Additionally, many local councils provide free events and festivals during the summer, so look at community boards and websites for fun, cost-free activities. 

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