Chat
Customer Service: (800) 404-0254

Saving Money with an Emerging Family

family savings

Monthly bills, groceries, children’s clothing, auto repairs, and diapers all add up. Luckily there are ways to save as a new family.

Growing families will want to first make a budget as the first step to learning to save. However, even with a functioning budget, a growing family may want to take additional steps to save money each month. By practicing smart consuming, an emerging family can save a few more dollars on everyday items. By saving a few extra dollars here and there, a family can reach financial stability earlier, even amidst the fiscal pressures of a developing family.

Food Costs

food costs

Groceries are expensive and unfortunately, they seem to only be getting more expensive. Economic and agricultural issues are attributed to this consistent rise in food costs. Notwithstanding, groceries and food costs are one of the main priorities in a family’s monthly budget. To help a family in determining what food expenses should be expected from month to month, the United States Department of Agriculture has published a monthly report on the average food costs for a family who eats balanced and nutritional meals.

In this monthly report, a family of 4 that is moderate in their spending will spend $889.90 a month on groceries. The thriftiest of families will spend about $564.00 a month on groceries. With this in mind, it’s easy to see the importance of not overspending on food costs.

Ways to Save on Food Costs
  • Use coupons
  • Buy in bulk
  • Shop sales and discounts
  • Make a meal plan for each week
  • Plan your grocery trips
  • Avoid buying junk food

Using a small Check City Payday Loan can also be one way to make sure you have enough for groceries. Therefore, the first way to save a few extra dollars every month is to create sufficient meal plans and stick to them when purchasing groceries.

Utility Bills

utility bills

After food costs, the next most expensive monthly bills are utilities. You can save on your utility bill by decreasing the amount of water, heat, AC, or electricity you use. By decreasing this expenditure, a family can save potentially hundreds of dollars every month.

Ways to Save on Utility Bills
  • Use less AC in summer
  • Use less heat in the winter
  • Time your showers
  • Take showers instead of baths
  • Open windows instead of turning on lights

To save even more money and be more cost effective in utility spending, consider hiring an energy company professional. They’ll perform an energy audit on your home. An energy audit will find ways for your home specifically to save money on energy and optimize your energy usage.

Auto Repairs

car repair

Auto repairs are typically an expense that young families are hesitant to pay due to the fact that it will severely impact their budget. Other needs, such as paying the electric bill or buying diapers for the baby, take precedence over fixing the car. This is how necessary repairs to a vehicle get put off.

Instead of delaying vehicle repairs consider using a payday loan from Check City to help pay for the repair costs. Payday loans from Check City are a small and safe loan that can give your family just the boost they need to pay for car repairs when an auto accident tips the budget.

Using Networks

community

Networking with friends and extended family members is another way to help mitigate the costs of a young family. Family and friends can help each other by setting up a support system. This support system can then help families all save money! You can trade services like babysitting, lawn care, and carpooling. That way you’ll all have a little less to pay for each month.

Smart Shopping

family plans

Lastly, a young family can save more money annually by putting extra thought into all of their major purchases. Sometimes your family is going to need to make larger purchases, like a personal home computer or laptop. But with a little extra research you can compare prices, brands, quality, and sales to make sure the family is getting the most for their dollar.



Plan out all your expenses, including major expenses and potential unexpected expenses that could surprise you in the future. Along with planning all your expenses, use your connections to create a solid network of support and resources you can lean on. By doing all this a young family can save money each month and reach financial stability sooner.

2 Ways to Budget a Family Vacation

vacation budget

Nobody should tell you where to go on vacation. It’s your hard-earned money, and you deserve to take the vacation of your dreams!

Of course, the biggest obstacle for taking a vacation is money. Your financial situation will probably dictate how often your family takes vacations, and where you ultimately go. Hopping on a plane whenever we want isn’t a luxury most of us can afford. We have to plan ahead and make a family vacation budget in order to turn your dream vacation into a reality.

So how do you realistically plan to finance a vacation? There are typically two options:

Option 1: Let Your Budget Decide Where You Go

family vacation budget

There are literally thousands of amazing vacation destinations out there. But many of the most stunning vacation hot spots cost a lot of money. But if you don’t have your heart set on a specific location, then one tactic is to choose where you go based on how much money you already have available for a vacation fund. You might even be surprised at the amazing places you and your family can afford to visit.

You can spend less money on vacation by choosing cheaper ways to travel, or by going camping instead of staying at a hotel. You can also make vacation fit your budget by bringing your own food instead of eating out the whole time you’re away, or by going on a shorter vacation.

A good way to let your budget decide where you go on vacation is to create a small monthly vacation fund in your budget. By building up vacation savings, you’ll always have money available for even those small spontaneous trips.

Option 2: Pick Your Dream Destination and Save Up

family vacation budget

We all have those dream destinations that we want to visit. In order to check these vacation goals off your bucket list, you’ll need to save up enough money no matter how long it takes. To do this strategy right, you have to have a pretty good idea how much your dream vacation is going to cost. Do your best to estimate the cost of all your expenses, find your total goal amount, and start saving. Figure it into your monthly budget, and you’ll be on your way to that dream vacation your family has been waiting for.

When you finally do take the vacation of your dreams, all that’s left to do is plan your next vacation and start saving. Before you know it you’ll be adding stickers to your suitcase and adding tacks to that map on your wall!

Other Vacation Budget Basics

vacation planning

Every good family vacation needs a good budget. Once you’ve saved up enough money to finally embark on your trip, you need a plan for how you are going to spend your money while on vacation. How much do you want to spend on food each day? Will you be going to any shows or events while on vacation? Figure your entire itinerary into your budget, and make sure you have enough to cover all your planned activities.

There are many expenses you can plan for ahead of time, but there are also going to be unexpected costs that have a tendency to pop up. To safeguard against any surprises, you need to do two things:

  1. Include some extra money in your vacation budget for unexpected expenses
  2. Have a way to get a hold of emergency funds if you need them in a pinch

Sometimes the spontaneous happenings are the best part of a vacation, and if you’ve saved some extra money for this purpose, you’ll be more likely to go where the road will take you. And since there’s always the possibility that you’ll need access to emergency funds, think ahead of time how you’ll be able to get to those funds while on vacation.

For example, if your car breaks down, if you need to move hotels or even if the price of gas goes up as you are traveling you do not want to be stuck without the funds to travel safely. Should you need more cash, simply find the nearest Check City location and take out a cash advance or even have money transferred to the Check City location. If someone can wire you the money, you can pick it up at the nearest Check City.

It’s time to start planning your dream vacation—it’s up to you what strategy you’re going to take and how much you’re going to save.


  • HACKER SAFE certified sites prevent over 99.9% of hacker crime.
  • Cashwise
  • RLS
  • Check City BBB Business Review
  • UCLA

Apply Now Or Call 1-800-404-0254

Find A Location | Rates and Fees | Contact Us | Wireless Policy | Terms of Use | Privacy Policy | © 2004-2020 Check City Online. All Rights Reserved.