K-State Research and Extension Johnson County

July 2023 Financial Check In

The budget is not just a collection of numbers, but an expression of our values and aspirations. – Jacob Lew

Christmas in July

Start setting aside money for your holiday spending now. Determine a monthly amount you can set aside in a separate savings account dedicated to holiday spending. Start saving a little bit each month and your future self will thank you when you have a stash of cash come December.

Create a debt inventory

Make a list about each of your debts, including the balances, interest rates, and minimum monthly payments. Creating a debt inventory gives you a clear picture of your financial situation and is the first step toward managing debt intentionally.

county food fair festEnjoy a spontaneous activity

Spontaneous fun does not have to be expensive. Summertime is full of community-hosted events that are free or very low cost. Take advantage of these low-cost, fun activities!

Don’t Bust your July and August Budget.

Remember these expenses so you don’t go overboard this summer.

  • Fourth of July celebrations
  • School Supplies
  • Christmas Fund
  • Birthdays, Weddings, and Baby Showers
  • Farmer’s Markets and You Pick Farms
  • In-Season Produce
  • Outdoor Barbeques & Picnics
  • Higher Utility Bills
  • Lawn & Garden
  • Pool Care, Water Activities, or Water Parks
  • Camping, Travel, Vacations, or Staycations
  • Sunscreen and Outdoor Sun Protection

Learning opportunities

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