The first step to planning your summer is to sit down and look honestly at your budget. If you cannot afford a big family vacation this year, perhaps you can afford to camp at the lake a time or two, or take a weekend away to a nearby city. Consider your usual expenses, any utility costs or increased fuel costs you expect over the summer, swimming pool memberships, childcare or child activity costs, and any trips you are planning when you look at your budget. Keep your overall financial health in mind. A good summer doesn't have to be an expensive one, and you will likely enjoy your time with your family more if you keep it within your budget and avoid using credit.

Childcare is an expense many families have to tackle in the summer. Day camps, summer camps, summer school and other activities can fill your children's days. If you do not actually need care for your children, avoid overscheduling them. Think back to the summers of your childhood and allow them to play and swim and discover the world during their summer. If you do need childcare, in many areas, the first place to look for affordable options is your local school district. Many school districts offer summer school enrichment programs that can be very affordable or even free. Not for profit centers are another affordable option. Your local Boys and Girls Club, YMCA or similar organizations may offer affordable childcare in the summer. Private programs are more expensive, but can offer valuable enrichment and allow your children to explore their interests while keeping them entertained and supervised during the summer months.

Travel is another common summer expense. If you have budgeted and planned for your summer vacation, take advantage of summer specials, shop around and enjoy your trip. Even if you have not budgeted for your summer vacation, you can opt for less expensive options to have a fun summer. Camping is one popular option. If you do not have camping gear, ask friends and family, and you may be able to borrow what you need. Campgrounds within a short drive for your family are a great vacation option, and the kids will love a trip to the lake or hiking in the mountains. You may even be able to find a weekend deal on a city vacation, if there is a major city nearby. Short day trips to the zoo, lake, or other nearby attractions can also make for an affordable and memorable summer.

In some areas, air conditioning bills, pool maintenance expenses and other summer utilities costs need to be factored into your budget. Keep these expenses in mind while you plan out your summer spending. Some people choose to have their utility bills budget billed to pay the same amount each month. You can also reduce your overall summer utility spending by keeping your thermostat set a bit higher, using fans instead of the air conditioning when possible, and line drying your clothes instead of using your electric dryer.This can be a helpful budgeting tool, regardless of whether your summer or winter bills are higher.

Lawn maintenance may be another summer expense you should consider. Doing your own lawn maintenance will be more affordable, but may be time consuming. Shop around for an affordable lawn service if you select that option rather than doing your own lawn care, and see if a local teen would provide competent service at a more affordable price.

Keeping your summer activities within your budget is not difficult, but it does require that you look honestly at your financial situation. Summer is a great time for free or low cost activities, but that does require that you think and plan out your time and money. Avoid incurring debt to go on a summer vacation or put the kids in the best camps. Your summer can be fun and affordable with a little thought and care. If you realize that what you are spending exceeds your income, or your monthly spending is resulting in further debt accumulation, it may be time to seek out financial counseling, help or assistance.