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Surviving Summer–Financial Hacks for the Season | MoneyWi$e Wednesdays with Envision Credit Union

May 21, 2025

In this episode of MoneyWi$e Wednesdays, hosts Andre Harris and Kellie Merck from Envision Credit Union unpack financial tips to help you survive summer without draining your wallet. Whether you're planning a vacation, managing rising electric bills, or looking for ways to stretch your dollar, this episode delivers smart, seasonal strategies to help you stay cool—financially and literally.

 

 

Episode Highlights:

  • Why summer often “breaks the bank” for many families
  • How to keep your electric bills from spiking
  • Vacation and staycation budgeting tips that actually work
  • Side hustles and seasonal income: making the most of your time
  • Smarter spending habits to reduce stress
  • Credit card best practices for summertime expenses
  • The importance of planning ahead before the heat hits your wallet
 

Key Takeaways:

  1. Plan with Purpose: A proactive budget now means fewer headaches later.
  2. Cut the Costs: Small changes in energy use can lead to big savings.
  3. Spend Smarter: Prioritize experiences, not expenses.
  4. Hustle Wisely: Use the summer months to explore income opportunities.
  5. Stay Credit Conscious: Avoid high-interest traps and know your limits.
  6. Prepare, Don’t Panic: Summer is coming—get ahead before it gets hot.
 

Expert Tips:

  1. Use auto-pay or calendar reminders to avoid late fees
  2. Take advantage of community programs or local discounts for summer activities
  3. Explore low-risk ways to earn extra income from hobbies or gig work
  4. Review your credit card rewards and use them strategically
  5. Don't forget: financial fun can still be fun
 

Resources Mentioned:

 

Next Episode:

Join us in June for "Side Hustle Smarts”. In today’s economy, many households are exploring the benefits of side hustles to boost their income. But is a second job the right fit for your goals? Join us for an engaging MoneyWi$e Wednesday webinar as we weigh the pros and cons of taking on a side hustle. Learn how to evaluate its impact on your household finances, navigate the lifestyle changes that come with managing a second job, and create a balanced schedule that works for you. Let’s help you make a smart move for your future!

Have questions or need financial guidance? Email us at [email protected]

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Next Episode:

Join us in April for "What's Next: Navigating Financial Independence," where we'll explore key steps to take control of your financial future. From building savings and managing credit wisely to long-term wealth strategies, this episode will help you move beyond budgeting and toward lasting financial freedom.

Have financial questions? Email us at [email protected] or listen to The Hoot podcast wherever you stream your favorite shows!