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Preparing for June Budget Items

As we welcome the month of June, it brings along new challenges for our budgets. With school wrapping up and temperatures rising, this time of year can get quite busy. While the summer season offers many fun-filled activities, it can also come with unexpected expenses that can wreak havoc on your finances. This could even lead to credit card debt and the need for debt management help, in some cases. Therefore, it is essential to anticipate and plan for these June budget items to avoid any financial stress.

One of the best ways to prepare for unexpected expenses in June is to make a budget. A budget is a financial plan that helps you keep track of your income and expenses. Creating a budget can be a daunting task, but it’s an effective way to manage your money and avoid overspending. Start by listing your monthly income and your fixed expenses, such as rent or mortgage payments, car payments, insurance premiums, and utilities. Once you have a clear picture of your monthly expenses, you can allocate the remaining funds towards discretionary expenses like entertainment, and travel.

Planning for these June budget items can prevent credit card debt later.

Planning for these June budget items can prevent credit card debt later.

While some expenses may be anticipated, there are still some unexpected costs that you might not have accounted for in your budget. Here are some common June expenses that you should be prepared for:

Graduation expenses: June is the month for graduations, and if you have a friend or family member who is graduating, you may need to budget for expenses such as gifts, travel, and accommodations. While you want to celebrate their achievement, you also need to be mindful of your own finances. To prepare for graduation expenses, start by setting a realistic budget for gifts and travel. If you must travel, look for deals on flights and accommodations. Then plan your trip well in advance to avoid any last-minute surprises. You can also consider DIY graduation gifts that can be more heartfelt and cost-effective than store-bought presents.

Summer Clothes: Summer is the season for shorts, T-shirts, and swimsuits. If you need a new summer wardrobe, it can be tempting to splurge on new clothes. However, buying new clothes can quickly add up, especially if it’s for the whole family. To save money, consider shopping for used clothing or hosting a clothing swap with friends or family members. This can be a fun and cost-effective way to update your wardrobe without breaking the bank.

Vacation expenses: With the summer season in full swing, many people take a vacation in June. If you are planning to travel, you need to budget for expenses such as flights, accommodations, meals, and activities. To save money on your vacation, research your destination and look for deals on flights and accommodations. You can also plan your trip during the off-season when prices are generally lower. To save money on meals, consider packing your food and snacks or choosing budget-friendly restaurants. Finally, look for free or low-cost activities to enjoy while on vacation. Sometimes vacations can be one of the costlier June budget items, but you can find ways to stay on financial track.

Extra Gas Money: With summer activities in full swing, you may be driving more than usual. This can lead to an increase in gas expenses, which can quickly eat away at your budget. To save money, consider carpooling with friends or family members for long trips to amusement parks or the beach. You can also shop at a grocery store that offers gas reward points, which can help you save money on gas.

Increased utility bills: As temperatures rise in June, you may find yourself using more energy to keep your home cool. This can lead to an increase in your utility bills, which can be an unexpected expense.

To keep your utility bills under control, turn off lights and electronics when not in use. You can also consider using a programmable thermostat to control the temperature in your home and reduce energy consumption. Finally, switch to energy-efficient light bulbs and appliances that use less electricity.

Home repairs: Summer is the perfect time to take care of home repairs, such as a leaky roof or a broken air conditioner. However, these repairs can be costly and can put a strain on your budget if not planned for.

To prepare for home repairs, start by setting aside money each month for home maintenance. This will help you save up for repairs and prevent any financial surprises. You can also consider doing the repairs yourself if you have the skills or hiring a handyman to do the work at a lower cost than a professional contractor.

Father’s Day expenses: Father’s Day falls in June, and if you want to celebrate, you may need to budget for gifts and activities. While it’s important to show your dad how much you appreciate him, you don’t want to overspend and put a strain on your finances.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 


Rae Yen is a marketing coordinator at ACCC. She wants to help others optimize their financial resources and plan accordingly.

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