The weather is getting warmer and the days longer, but no matter what time of year it is, saving is no simple task. With a little guidance, everyone can make strides toward better savings. With a little planning and the right tools, you can enjoy summer without sweating your finances. Here are a few smart, simple ways to maximize your savings this summer:

1.  Set a budget

Before you pack your bags or plan your next beach day, take a moment to set a realistic budget. Start by asking yourself: What are my goals this summer? Whether it’s a family vacation, weekend getaways, or just more outings with friends, make a list and set spending limits for each.

Choose a budgeting strategy that works for your lifestyle (like the 50/30/20 rule or cash flow budgeting), and commit to tracking your progress.

2.  Travel Smart

Dreaming of a getaway? Here’s how to keep costs down while still making memories:

• Use rewards and discounts. If you have a rewards credit card, now’s the time to cash in points. This month, Family Trust Platinum Awards Visa Credit Card holders earn 2x points for travel related purchases¹. Also, look into AAA member deals or sites like Groupon for local excursions, hotel discounts, and more.
• Be flexible with dates. Flights and hotels are often cheaper when you travel midweek instead of weekends. Tuesdays and Wednesdays are known for better pricing and fewer crowds.
• Pack light. Avoid baggage fees by staying within weight limits and traveling with carry-ons when possible. Every little bit adds up!

3.  Track your spending

Once your budget is in place and you’ve found ways to save, it’s time to keep tabs on your expenses. It’s easy to overspend when you’re in vacation mode, but tools like mobile banking apps and budgeting platforms can help you stay in control. Check in weekly to see how you’re doing and adjust if needed.

Pro tip: Set alerts for spending thresholds or unusual transactions. It’s a simple way to stay accountable—and avoid surprises later.

4.  Make Your Money Work Harder

Summer’s also a great time to boost your savings with deposit products that offer real value. Whether you're setting money aside for a trip or just want to grow your emergency fund, check out options like high-yield savings accounts², money market accounts², or certificates² with competitive rates.

Already have a savings goal in mind? Automating your deposits can help you reach it faster without even thinking about it.

Your summer doesn’t have to come at the cost of your financial goals. With a solid plan, mindful spending, and the right tools from your credit union, you can enjoy the season—and stay on track for the rest of the year.

Need help finding the right savings product or want to talk through a travel budget? Stop by a branch or visit us at familytrust.org. We’re here to help make your summer stress-free and financially smart.

               Federally insured by NCUA.

1. Earn double points on qualified MCC code purchases made June 1, 2025, through June 30, 2025.? ATM and cash advance transactions do not qualify for this promotion.? Double points will post after the promotional period ends.?Eligible members can redeem points through MyRewards^TM.?For complete terms and conditions, or to redeem points, visit the?MyRewards website? or call 1-866-203-9369. We reserve the right to change or end this offer at any time without notice. Must be 18 to apply. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. Certain terms, conditions and exclusions may apply.

2. Must meet membership and eligibility requirements to open account.