Summer can cause a financial crunch for families with children. Children who are home all day need to eat, and they want things to do; if they go to day care, the cost of full-day care instead of after school care can really stretch the wallet. This summer, with inflation already straining budgets, may be even worse than normal.

There is, of course, no magic wand that will “uncrunch” summer finances. But there are steps that can help! Not all these ideas work for everyone, but see if some of them fit your situation:

• Take control of food costs, starting with tools from “Spend Smart. Eat Smart.” You’ll find a grocery budget calculator, meal planning tools (and a video), shopping strategies, and a whole slew of recipes that are easy, low-cost, healthy and tasty – some with video instructions. There is even an app for your phone so you can have tools available while you’re at the grocery store!
• Ask about discounts for summer pool passes or summer recreation programs. Many communities and rec centers offer discounted rates; in some communities the Community Action Agency can provide help here, as well. 
• When special events come around (fairs, festivals, etc), decide in advance what your spending limit will be, and stick to that limit. It’s easy to get carried away in the midst of the fun if you don’t set limits in advance. Before the events, do some research (ask around) to identify free or low-cost activities that you and your family will enjoy.
• If your children’s wants and wishes seem never-ending, parents often get tired of saying no, which means they start saying yes too often and end up spending more than they want to.
  One way to ease that pressure is to give your children a weekly or monthly allowance, be clear about what it is for, and not “give in” when they ask you for more money after their allowance is gone. This puts the kids in control, and when they run out of money it’s because of their own choices (and NOT because you are a “mean parent”).
  Several years ago I shared my own experiences with an allowance for my children. The University of Minnesota offers a helpful fact sheet about allowances (scroll down to find it).

What tips can YOU share for tackling the summer financial crunch?