The “Low-Spend Summer” Strategy: What I’m Doing Instead of Overspending

If summer came with a theme song, it might sound a little different for all of us. For some, it’s a carefree, lively tune of beach vacations and endless brunches. For others, like me this year, it’s about finding something joyful in the simplicity of a “low-spend summer.” There’s a quiet freedom in being intentional with your choices—not just for your wallet, but for your sanity. And this isn’t about deprivation; it’s about choosing what really matters.

This summer, I’m skipping the overspending whirlwind of FOMO-driven events and clutter-buying. Instead, I’ve embraced a strategy that leaves room for fun, connection, and plenty of meaningful moments without a financial hangover come September. I call it the “Low-Spend Summer” strategy.

Here’s a peek at what I’m doing to make this summer feel good without going overboard. These aren’t hard-and-fast rules—just ideas to help you shape your own satisfying, low-spend season.

1. Reimagining the Definition of Fun

Not every memorable summer moment needs a price tag. Surprisingly, some of the most fulfilling experiences are the ones we overlook. For example, last weekend, instead of paying for a fancy day out, I hosted a backyard picnic with friends. We pulled together random-but-delicious potluck dishes, spread out messy blankets, and just enjoyed catching up. It reminded me how often “fun” is sold to us as something that requires extravagant outings when, in reality, connection and simplicity often beat the most expensive activities.

Reframe your idea of summer fun. Does it include a $15 cocktail on a rooftop, or could it be a batch of sparkling lemonade you make at home and sip while watching the sunset? The answer might surprise you.

2. Mastering the Art of Seasonal Cooking

One thing I’ve learned about myself? Summer is when my kitchen feels the most alive. The abundance of fresh, local produce makes meal prep feel less like a chore and more like a creative adventure. Instead of dining out multiple times a week, I’ve challenged myself to make seasonal meals at home. From caprese salads with garden-fresh tomatoes to no-bake desserts that keep the oven off, every meal feels like a little win for both my wallet and my health.

If you’re not sure where to start, consider joining a local CSA (Community Supported Agriculture) program or hitting up farmer’s markets. Seasonal produce is more affordable and often tastier than what you might find at chain stores. Plus, there’s something deeply satisfying about knowing you’re eating fruits and veggies that didn’t travel hundreds of miles to get to you.

3. Becoming a Library Superfan

There’s a bold claim I’m willing to stand by this summer: libraries are the real MVPs of low-spend happiness. I dusted off my library card recently, and it’s been a game-changer. Beyond books (which are, of course, a treasure trove), my local library offers free movie streaming, digital magazines, and even event workshops.

For those who think libraries are outdated or only good for borrowing musty paperbacks, it’s worth a second look. Libraries have evolved into vibrant community hubs offering experiences you don’t have to budget for. This summer, I’m using mine to fuel beach-reading marathons and movie nights at home.

4. Turning Walks into Adventures

Another thing I’ve rediscovered? Walking isn’t just exercise; it’s an act of exploration. What began as a morning habit to clear my mind has turned into a way to feel more connected to my neighborhood. I’ve mapped out local parks I’ve never set foot in, started casually identifying plants along trails, and learned the charm of “getting lost” to find hidden gems on foot.

Walking is also a chance to slow down, unplug, and just... be. Whether it’s a quick stroll before dinner or a day-long hike, each time feels restorative. To make things even more engaging, I’ve started inviting friends to come along. It turns a simple walk into a fun, zero-cost catch-up session.

Walking 30 minutes a day can reduce anxiety, boost creativity, and improve overall well-being, according to the American Psychological Association.

5. Giving Secondhand a First Try

I realized a lot of unnecessary summer expenses come from impulse buying. Cute patio cushions? Yes, please. A new outfit for every BBQ? Sure, why not. This summer, though, I’ve shifted my mindset. Before reaching for something new, I’m asking myself, “Can I source this secondhand?”

Thrift stores, online marketplaces, and even community “Buy Nothing” groups have filled the gap when I’ve needed summer-specific items. Recently, I scored a set of outdoor string lights from a neighbor’s decluttering post and snagged an almost-new maxi dress from a secondhand app. What’s great is that these finds often add unique charm, not to mention they’re easier on the wallet and environment.

6. Saying No to FOMO-Spending

A huge part of overspending is rooted in our fear of missing out. You know the drill. A last-minute invite to an expensive group brunch? The nagging feeling that every weekend has to be “gram-worthy” or you’re doing summer wrong? FOMO tends to push us into saying yes when we might actually want to say no.

This year, I’ve started sitting with those feelings instead of acting on them. It’s easier said than done, of course. But when I do turn something down, I remind myself that saying “no” now means saying “yes” later—to the things that really excite me. It’s not always about scarcity; it’s about prioritization.

7. Crafting Instead of Consuming

Finally, I’ve leaned into hobbies that don’t involve swiping my card. I used to think I wasn’t a “crafty” person, but I decided to give DIY a shot. It’s been surprisingly soothing and fulfilling. Whether it’s making my own face masks (most recipes use stuff you already have in your kitchen), pressing flowers from my walks, or creating photo books with pictures I never got around to printing, these projects keep me busy in ways that feel enriching.

Maybe crafts aren’t your thing—but the bigger picture is finding something you enjoy doing that requires more of your creativity than your money. It might be writing, dabbling in photography, or nurturing balcony plants. Whatever it is, it’s worth leaning into.

Answer Hub!

• Focus on intentional, meaningful experiences like hosting a picnic or catching sunsets.
• Save money and eat well with fresh, local produce.
• Explore the free perks your local library offers.
• Turn simple walks into enriching adventures.
• Satisfy new item cravings through thrift and community groups.
• Get comfortable saying no to avoid overspending.
• Rekindle hobbies or start new ones that don’t revolve around money.

Getting Sunshine on a Dime

At its heart, a low-spend summer doesn’t have to feel like a sacrifice. It’s about peeling back the layers of consumer expectations to find what brings genuine joy. For me, this strategy has made summer feel more deliberate and freeing. By slowing down, simplifying, and staying creative, I’ve found that less can truly be more.

Need some fresh air from the cycle of spending? Try it out for a week or a month. Your own version of a “low-spend summer” waits just around the corner.