How to Have a Fabulous Summer on a Budget with your Kids

Whether you are jetting off somewhere warm or not, you can still enjoy summer in England (even if the sun doesn’t shine every day) and if you need to watch your pennies, here are 8 ways on how to have a fabulous summer on a budget with your kids:

1. Garden Party

Who says a garden party is just for the palace! Whether you choose to have your friends and kids over during a week day in the summer holidays or friends and family over for an evening or weekend, you can make it special. If you organise everyone to bring something with them, you’ve got your food and drink sorted. If you’ve got a barbecue great, but if not borrow one and the same for chairs too! Simply go to a pound shop and stock up on some decorations and you’ve got yourself a Garden Party!


2. Picnic by the Water

There’s nothing more relaxing than messing about on the river. Of course if you’ve got your kids in tow, you need to be alert, but there are plenty of places around Nottinghamshire where you can spend the day by water with things to do for the kids. Pack up a picnic and make a day of it!


3. Seaside Getaway Day

There are some fantastic coastal getaways you can get quite cheaply through National Express or Megabus. Why not take the whole family or team up with a couple of other mums and their kids and go spend the day on the beach or around a coastal town. Even if the weather isn’t the best (and it may well be!) your kids will have a great time playing in the sand and splashing around in the sea.


4. Great British Bake Off

What kids don’t love cooking? You could set up your own British Bake Off – yes, it’s going to be messy but such great fun. As well as helping them on their way with some basic cooking skills, your kids will love it. Maybe give them a few receipes to choose from, set up different stations in the kitchen and you could always team up with people who have children or join family members in the fun. It will take up most of a day and if that doesn’t the cleaning up most certainly will.


5. Sports Day

Not all kids love sports day but back in the day sports day involved egg and spoon, three legged and other bizarre races that usually had everyone falling over and in fits of giggles. If your garden isn’t the right size then take it to a local park. Enlist your family and friends and create your own sports day. You’ll have a great time and exert some energy out of the kids so you can chill and relax later.


6. Treasure Hunt

I guess a little bit like the Easter Egg Hunt but without the chocolate eggs. Think of something really cool that your kids are going to love and that is about all you are going to need to spend your money on. It could be cinema tickets or a trip to the local laser quest, a new game maybe or back to the idea of Easter eggs and a whole basket of sweets and chocolates even! Depending on the ages of your kids set about writing clues and leading them to the treasure. You can always get your friends involved too for a great morning or afternoon out.


7. Mystery Trip

It doesn’t have to be anywhere extravagant but think of somewhere your kids love to go and make a whole build up of secrecy around going. You could even make up three different places to go and get your kids to choose one card or something to pick the place, but not telling them until you arrive! Kids are easily pleased and suspense always adds a huge element of fun.


8. Walk in the Woods

There is so much choice when it comes to countryside in and around Nottinghamshire. Pick somewhere to go that is surrounded by trees or countryside and take your kids along on a nature trail. It doesn’t have to be one you pay to enter, it could be you set it up yourself. You might even find yourself learning new things too! If you want to get clued up, just Google what you can expect to find in and around that area and set your kids the task of pointing things out. Maybe give them a prize for the one who points out everything on the list you make.

Whatever you choose to do, have a fabulous summer with your kids!


Categories: BLOG.

What’s Your Savings Plan? Start saving now with our Christmas Savings Club

Benefits of Saving

There are many benefits to saving regularly, some of these are:

  • You will have money put aside in case of an emergency
  • Saving regularly helps you manage your money better
  • When you save you become more aware of what you are spending your money on
  • Saving is a good habit and once you start you will find it easier to save a little more
  • Sets a good example to your kids, teaching them how to save

Did someone say Christmas?

Despite the weather at times, it is the middle of summer, so saving for Christmas might seem a little crazy to think about at the moment. However, most people can all relate to feeling a little panicked towards the end of November. This is when they realise there is just a month left until Christmas and maybe one or two paydays in between. There is always so much to buy; presents, food and not to mention the parties and never ending get-togethers. Worrying about money can take the fun and enjoyment out of Christmas. Planning early is actually a really good idea and with less than 6 months until December, now is the time to start.

Spending Tracker

Studies show that tracking your money while you save is a good way of figuring out where your money actually goes. You might think you spend it all on food or the kids, but chances are you can’t account for all of it. Download one of the free spending tracker apps from your iPhone or Android app store and start logging your spending. Once you get clear on what you are spending your money on, you’ll find you want to make a few changes and may be able to save a little bit more.

Make the Commitment

For now, though, just decide on an amount to put by each week and start this week! Don’t be tempted to put it off. There will always be next week, but this just lets another week slip by. Before you know it, the summer will have gone, we will be into autumn and you’ve not saved anything. Do it this week and make a commitment to yourself to save a little every week. After all, you are going to be thanking yourself for it in December when you can afford to buy Christmas presents and food without worry.

Saving is Fun

Why not make it something fun for the family and get your kids involved in saving too. Children always like to buy their family or friends a little present for Christmas. As well as getting them excited about being able to do this, it is also teaching them about managing their money and saving. As they grow up they will remember what you taught them about money and it will carry on into their adult lives and help them too.

How to Start Saving

People find that by transferring money to their Nottingham Credit Union account, or having the money paid in there, makes it easier to save. When your savings are separate from your bank account it removes that temptation to dip into the money. Even better, we offer a Christmas Savings Club that just ring fences that money for Christmas only. This means if you do have money in your regular NCU account, the Christmas money can remain separate. With our Junior Savers account, setting things up for your kids to save too couldn’t be easier.

Contact a member of our team today and get everything set up and start saving for Christmas today.

Categories: BLOG.