Summer can be a financially stressful season for many, with rising utility bills, the temptation of pricey vacations, and pressure to keep busy. In hot desert climates, it’s even trickier—scorching midday temperatures can limit outdoor activities and send indoor costs soaring. But with a little planning and a shift in perspective, summer can still be fun, refreshing, and budget-friendly for all ages.

In the desert, early mornings are magical—cool, quiet, and perfect for a walk, bike ride, or even a bit of gardening before the heat sets in. Evenings, too, bring relief and beauty, with spectacular sunsets that turn the sky into a canvas of pinks and oranges. Embrace these cooler times for family strolls, outdoor games, or casual get-togethers.

It’s crucial to stay safe: always carry water, wear sunblock, and seek shade during peak heat. But don’t let the climate keep you cooped up or tempt you to overspent. Indoor hobbies like reading, crafting, board games, or learning something new online can be both entertaining and enriching. Many community centers, libraries, and local pools also offer affordable or free events for all ages.

Host a potluck dinner, start a book club, or enjoy a movie night at home. These moments create connection without a high price tag.

Most importantly, focus on the positive. Summer doesn’t have to be extravagant to be meaningful. By finding joy in simple pleasures and adjusting your routine to the rhythm of the desert, you can avoid debt while still creating great memories. Whether you’re young or young-at-heart, there are countless ways to make summer special—no expensive getaway required.

And if you’d like to set aside a little time to review your money plan, or create one, I can help! When you are ready, click HERE to schedule your personal financial coaching session.

Lisa Atkinson
TFCU | Personal Financial Coach
latkinson@tucsonfcu.com

As a Personal Financial Coach, I do not provide legal or tax advice.
Tucson Federal Credit Union does not make any guarantees that this service will achieve any particular objective or outcome. For any legal advice, please seek the advice of an attorney or tax professional.