Save Money on Summer Fun

You can also unplug and turn off as many appliances as you can during the day and try to limit the use of your washing machine, dishwasher and clothes dryer to either early in the morning or late at night. These machines generate a lot of heat and are major drains on the energy bill.

Finally, do the obvious -- keep your lights off and your shades pulled during the day to shave some cents off your electric bill.

Summer is also the best time to save on food costs. On average, produce is less expensive at local farmers' markets compared with supermarkets because farmers are able to sell their product directly to the customer instead of having to pay distribution and packaging costs.

In addition, prices at markets are negotiable. Bargaining for a bag of apples at your supermarket is out of the question, but at a market it is the norm. If the seller is unwilling to budge on price, ask the seller to throw in more fruit or vegetables -- anything to sweeten the deal.

Farmers markets are now commonplace, even in the most densely populated urban areas, so shopping locally is now easier than ever. Also, consider buying extra produce, such as seasonal blueberries and raspberries, and freezing them for use in winter, as it is always more expensive to buy imported fruit in the colder months.

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