3 On Your Side

3 On Your Side: Summer savings tips

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Summer can be a big budget buster. (Source: 3TV/CBS 5) Summer can be a big budget buster. (Source: 3TV/CBS 5)
Kelsa Dickey says to keep from getting caught off guard financially, she says simply being aware is the first step to preparing. (Source: 3TV/CBS 5) Kelsa Dickey says to keep from getting caught off guard financially, she says simply being aware is the first step to preparing. (Source: 3TV/CBS 5)
If you're feeling overwhelmed by all the commitments, skip some of them to save money. (Source: 3TV/CBS 5) If you're feeling overwhelmed by all the commitments, skip some of them to save money. (Source: 3TV/CBS 5)
Dickey says now is the best time to think ahead. (Source: 3TV/CBS 5) Dickey says now is the best time to think ahead. (Source: 3TV/CBS 5)
(3 ON YOUR SIDE) -

Pool weather is here, temperatures are rising and kids will be out of school soon.

But don't let all the build-up make you forget about your finances.

“I would say this is the time of year where's it's very overlooked in the way that it affects your budget,” said Kelsa Dickey. 

Dickey is a financial coach and she sat down with 3 On Your Side to explain that summer can be a big budget buster.  

“This change in routine seems so subtle and it really truly has a big impact on the budget,” Dickey said.

Dickey says there's a lot of indirect factors that can really affect your budget.

There are end-of-school activities like proms, graduations and summer camp registrations.  

Day care costs for smaller kids also tend to climb because they're out of school.

And then there's the obligatory summer vacation.

“It can be a number of things such as traveling more. People tend to take more vacations. It can also be like having more pool parties, being outdoors more,” Dickey said.

Dickey says to keep from getting caught off guard financially, she says simply being aware is the first step to preparing.

“The whole point is to simply be aware that your budget is going to have to change in the summer because your routine is changing, your lifestyle changes," Dickey said. 

Next, she says pull out that calendar and start planning ahead.

“So, use your calendar first and try and plan ahead. Start with two weeks then maybe try to plan ahead a month and so forth,” Dickey said.

If you're feeling overwhelmed by all the commitments, skip some of them to save money. 

And for those summer parties, share in the costs

“It's OK to say, ‘no.’ You don't have to go to every graduation party you're invited to. It's OK to say no to the standard tradition. Do a potluck style as opposed to hosting everything at your house, that can get really expensive,” Dickey said. 

Finally, Dickey says now is the best time to think ahead.

“Focus on the future in the sense of maybe we don't have a ton of time to prepare for this summer now but let's try and plan for this time next year. So as it's happening take an inventory and just jot down everything that's coming up this time of year. Write it down, write down the potential expense you're going to have with it," Dickey said.

To contact Dickey, head to her website by clicking/tapping here.

Copyright 2017 KPHO/KTVK (KPHO Broadcasting Corporation). All rights reserved.


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Gary HarperGary Harper is the senior consumer and investigative reporter for 3 On Your Side at KTVK-TV.

Click to learn more about Gary.

Gary Harper
3 On Your Side

With more than 20 years of television experience, Gary has established himself as a leader in the industry when it comes to assisting viewers and resolving their consumer-related issues. His passion and enthusiasm have helped him earn an Emmy for Best Consumer Reporter from the National Academy of Television Arts and Sciences. He’s also garnered several Emmy nominations

He has negotiated resolutions with companies of all sizes, including some of the biggest corporations in the nation.

Gary has successfully recouped more than $1 million for viewers around the state, making 3 On Your Side one of the most popular segments on KTVK and the station's Web site.

He's best known for investigating and confronting unscrupulous contractors. In fact, many of his news reports have led to police investigations and jail time for those who were caught. Viewers, as well as the companies and people he investigates, regard him as consistently being thorough and fair.

Gary has been with KTVK-TV since 1997. Prior to his arrival in Phoenix, he worked for WZZM-TV in Grand Rapids, Michigan, where he was as an anchor and reporter.

Gary is from Chicago, but launched his television career in Lubbock, Texas, after earning a broadcast journalism degree from Texas Tech University. Following his graduation, he was quickly hired by KLBK-TV in Lubbock, where he enterprised and broke numerous exclusive reports. His aggressive reporting in Texas helped garner him Best Reporter by the Associated Press.

Gary has been married since 1994 and is the proud father of two sons. When he's not helping viewers, Gary is busy catching up on his favorite college and professional football teams as well as cheering on his beloved Texas Tech Red Raiders.

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