Frugal Living Tips for Summer – EP 318

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Sun out doesn’t mean funds out! Join us as we embrace the sunshine and dive headfirst into the world of frugal summer living. In this lighthearted episode, Jen and Jill talk about how summer can trigger more spending, how to stay on budget, and unique ways to take advantage of this hot season. Whether you’re lounging by the pool or road-tripping to a hidden gem, we’ve got you covered.

It's not about not doing anything or spending as little as possible during this summer, but it's all about being equipped with the knowledge to choose and not fall into any of your spending.


  • Hot girl summer. It’s my new favorite phrase. I’m not entirely sure what it means so we’re gonna go with carefree, poolside vibes, no homework, limited responsibilities, popsicles dipped in lemonade, flamingo prints on beachballs, hot dogs on a stick, watermelon hair ties, sprinklers under trampolines, and generally not knowing what day it is. If you want a hot girl summer, visit They’re doing all the work to find your old 401K and roll it over into a new IRA. It’s the no-fuss, don’t lift a finger kinda company that we’re all about.

Summer can trigger overspending. Try these tips to stay on budget.

This NBC News article explores the phenomenon of increased spending during the summer season and provides practical tips to stay within budget.

What Jen + Jill have to say:

Jen and Jill highlight common summer expenses which can easily cause financial strain. To beat this, Jen and Jill suggest taking care of any small debts, setting a budget, planning per activity, and prioritizing experiences that bring the most joy. Additionally, Jen and Jill recommend exploring free or low-cost activities, taking advantage of deals and discounts, and planning for major expenses. By following these tips, everyone can enjoy the summer season without compromising their financial well-being.

12 Frugal Living Tips For Summer

This article by The House and Homestead presents a collection of practical tips for embracing a frugal lifestyle during the summer season.

What Jen + Jill have to say:

Jen and Jill discuss some frugal summer activities everyone can enjoy while still indulging in the pleasures and adventures the season has to offer. Jen and Jill explore their personal favorites such as attending free events, cooking outdoors, preserving foods, hitting the beach, planting a fall garden, and repurposing something.

What are your frugal summer plans?

Jen is looking forward to swimming lessons, a weekend staycation, and utilizing daycare services. On the other hand, Jill’s frugal plans involve staying in her current location, enjoying trips to the beach, and experimenting with exciting and budget-friendly summer recipes.

Bill of The Week

Thank you Anon for sharing your bill about your tax bill, which felt complicated BUT finding a way to get free help!

Thanks so Much for Listening!

Thanks so much for listening! Many of you know we have a private community where we do monthly money challenges and offer accountability groups. We want to congratulate one of our members for a big win:

Easy way to increase my income

This week I started bringing breakfast to work instead of buying breakfast at work. I work at a hospital and we get 50% off of the cafeteria food and you can use payroll deductions to pay for a meal. Since I have stated working here I have always purchased breakfast and lunch at work. Averaging about $80 in payroll deductions a pay period. So this week I made oatmeal bars from scratch with things I already had in the pantry. And bought yogurt. It should end up costing less than I would have spent at the cafeteria.

Increasing my take home pay! As long as I spend less than $40 at the grocery store for breakfast items it will make a difference!

Congrats! Thanks for listening and if you want to check out our monthly challenge community head to to see what challenge we have coming up next.

Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to And don’t forget to share your favorite quote from the episode by using the hashtag #FrugalFriendsNote. 😉

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