How to have a Great Summer Vacation – On a Budget

How to have a Great Summer Vacation – On a Budget

How to have a Great Summer Vacation – On a Budget

Family Finances | Summer

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Summer vacation doesn’t have to mean draining your savings or racking up credit card debt. With a little planning in advance, you can have a fun, memory-filled summer vacation, while staying financially sound. Whether you’re planning a trip for yourself, vacationing with friends, or planning a family trip, these budget-friendly tips will assure you have a great summer vacation – without overspending.

1. Set a Budget

A good rule of thumb to follow when budgeting a get away is to follow the 50/30/20 rule. This means 50% of your budget is reserved for your monthly fixed costs, such as your mortgage payment, utilities, food, and childcare. 30% is used for discretionary spending and the last 20% goes into your savings. If you follow this method, the 30% you set aside will be your vacation budget.

If you’d like to get an idea of your overall spending and find out whether you are staying within these percentages, Money Management in digital banking includes budgeting tools that organize and categorize your spending so you can see the full picture.

What should you include in your vacation budget?

It’s important to set a realistic budget, based on what your family can afford. Include travel/transportation, lodging, food and drink, activities, souvenirs, and a small emergency fund.

See how much you should be saving monthly to reach your vacation fund goal with our Savings Goal Calculator.

2. Travel Smart

Travel/Transportation

You don’t have to fly across the world to feel like you’re on vacation. Save yourself the cost of airfare and rideshares by travelling locally. Just remember to account for gas and parking when you travel in your own car. If you must fly, consider booking your flights on less traveled days like the middle of the week because prices tend to be lower.

Accommodations

Hotels can eat up a large portion of your budget, so consider alternatives like a rental house or campsite. If your only option is a hotel, consider booking when there are deals available or booking with a travel or rewards focused credit card so you can earn cash back or rebates on your travel purchases.

Planning meals and activities ahead

Planning meals and activities ahead will also help you save money. Bringing your own food and drinks to avoid having to eat out for all three meals every day of your trip will help you stay within your budget. If your hotel offers complimentary breakfast, always take advantage of that. When eating out, consider drinking water instead of paying the additional cost of a soft drink. Prioritizing cheap or free activities like sightseeing landmarks, relaxing on the beach, visiting state parks, visiting local art and history museums, and enjoying public attractions will help keep the cost down. Just don’t forget to keep in mind the cost of parking.

Souvenirs

Start saving early for your souvenirs. To avoid charging unexpected expenses to a credit card, try to rely on cash for these items.

The best souvenirs are the memories you create!

3. Keep an eye out for unanticipated expenses

Remember, certain vacation costs are obvious – lodging, food and drink, travel – but small ones can quickly add up. While you’re comparing costs and looking for the best deal, you should also keep in mind gas, tolls, parking, and sunscreen. Try to walk through a typical vacation day, and map out every expense you might encounter – even the ones you accrue before leaving for the trip (beach towels, toiletries, new suitcase, etc.).

4. Final Thoughts

Don’t go into debt for a summer vacation. A great summer vacation isn’t about how much money you spend. It’s about who you’re with and the memories you create. With a little planning and some creativity, you can relax, explore, and have fun while staying financially savvy.

Keep your vacation savings separate from your main savings. Start saving for your next vacation with our Statement Savings account.

The content provided in this blog is for informational purposes only. Nothing stated is to be construed as financial or legal advice. Some products not offered by JVB. JVB does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs, or websites. JVB does not warrant any advice provided by third parties. JVB does not guarantee the accuracy or completeness of the information provided by third parties. JVB recommends that you seek the advice of a qualified financial, tax, legal, or other professional if you have questions.

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Grill & Chill: Summer Cookout Recipes from JVB Employees

Grill & Chill: Summer Cookout Recipes from JVB Employees

Grill & Chill: Summer Cookout Recipes from JVB Employees

HOLIDAY | Summer

baking-cookies-from-recipe

As Memorial Day weekend approaches, we're kicking off summer the best way we know how—through the joy of food, family, and outdoor gatherings. To celebrate the unofficial start of the season, we asked our employees to share their favorite summer cookout recipes, straight from their own kitchens and backyards. From smoky grilled mains to refreshing side dishes and desserts made for sunshine, these crowd-pleasers are perfect for your next BBQ or picnic. Whether you're hosting a big bash or just enjoying a quiet evening on the patio, let these tried-and-true employee favorites inspire your Memorial Day menu—and all the summer cookouts to come.

Strawberry Shortcake Bars

Ingredients:

Bars:

  • 1 box vanilla cake mix

  • 2 eggs

  • 1/3 c veg oil

Crumble Topping:

  • 1 3oz package dry strawberry gelatin mix
  • 1 3oz package dry vanilla instant pudding mix
  • ½ c softened, unsalted butter
  • 1 c all purpose flour, divided

Cool Whip Layer:

  • 1 8oz package cream cheese, softened
  • 1 c powdered sugar
  • 1 tsp vanilla extract
  • 1 8oz tub cool whip topping, thawed

Directions:

  1. Preheat oven to 350 degrees. Line a 9x9 cake pan with aluminum foil an spray with nonstick cooking spray. Set aside.
  2. In a large bowl use an electric mixer to combine cake mix, eggs, and oil until dough forms. Press dough evenly into prepared pan with a spatula. Bake for 20 min or until edges are lightly browned, let cool completely before putting the topping on.
  3. In a small bowl combine the strawberry gelatin mix, 4 tbsp butter, and ½ c flour. Use a fork to mix the ingredients until a crumble forms. In another small bowl use a different fork to combine the vanilla pudding mix, 4 tbsp butter and the remaining ½ c flour until the crumble forms.
  4. Spread the crumble each on their own cookie sheet lined with parchment paper. Bake them at 350 for 10 minutes, checking the crumble frequently and stirring to prevent any burning. Place pans in freezer for 10 minutes to cool down the crumble quickly.
  5. In a large bowl, use an electric mixer to combine the cream cheese, powdered sugar, vanilla, and cool whip. Blend it on high until light and fluffy. Spread the frosting on top of the cooled bars and sprinkle a generous amount of crumble on top. Cut into squares and enjoy!!

This typically makes enough crumble that there is a decent amount left over. My family will use it to sprinkle on top of our ice cream until it is gone! 

Strawberry Heaven Trifle

Ingredients:

  • Premade angel food cake**
  • 2 lbs. strawberries**
  • 1 Stick of butter
  • 4 egg yolks
  • 2 tbs granulated sugar
  • 1 8oz tub of cool whip
  • 2 cups powdered sugar

Directions:

  1. Dice strawberries and mix with 2 tablespoons of granulated sugar, let this sit while you prepare the rest
  2. Cut angel food cake into bite sized pieces
  3. Melt 1 stick of butter and let it cool (or you can use very soft room temp butter)
  4. With a hand mixer beat the butter and egg yolks until silky
  5. Slowly add the powdered sugar until fully incorporated
  6. Fold in 1 tub of cool whip
  7. In a large bowl or trifle dish, layer angel food cake, cream mixture, strawberries, repeat.

    **Note: You can substitute the strawberries for almost anything! I originally started this recipe with crushed butterfingers.
    ** If doing premade angel food cake, 1 whole round cake is sufficient for this recipe, if you get the loaves, you will likely need 2.

Spicy Garlic Grilled Chicken

This is SO GOOD – We usually quadruple the recipe so we have lots of leftovers.

Ingredients:

  • About 1.25 pounds chicken breast cutlets

Marinade:

  • 1/2 cup mayonnaise
  • 2 tablespoons classic yellow mustard
  • 2 tablespoons lime juice
  • 2 tablespoons olive oil
  • 3 to 5 cloves garlic, minced or finely pressed
  • 1 tablespoon chili garlic sauce
  • 1 to 1.5 tablespoons sriracha, or to taste
  • 1/2 teaspoon freshly ground black pepper
  • 1 tablespoon fresh cilantro, optional
  • fresh parsley or cilantro, optional for garnishing

Directions:

  1. In a bowl, whisk together all the marinade ingredients until well combined. *
  2. Pour the marinade into a large zip-top plastic bag, add the chicken, seal the bag, and massage
    it gently to coat the chicken evenly.
    3. Refrigerate the bag for at least 1 hour, or up to 24 hours, to let the flavors develop.
    4. Preheat a grill (outdoor or indoor grill pan) to medium-high heat. Grill the chicken for
    approximately 7 minutes, or until fully cooked.
    *Note: If you’d like, you can set aside about 1/4 cup of the marinade before adding it to the zip-top bag
    to use later as a dipping sauce for the cooked chicken.

Bacon and Pineapple Jalapeno Poppers

Ingredients:

  • 10 Jalapenos

  • 8 oz package cream cheese (room temperature)

  • 20 oz can crushed pineapple in heavy syrup, drained well

  • 16 oz package bacon (not thick-sliced)

  • Barbeque sauce

Directions:

  1. Slice jalapenos length wise.
  2. Beat cream cheese until fluffy, add pineapple and stir until thoroughly combined.
  3. Spread the mixture into jalapeno halves, leveling the tops.
  4. Wrap each stuffed jalapeno with one slice of bacon.
  5. Arrange on large baking pan that was lightly sprayed with cooking spray. Bake at 375 for 30-35 minutes.
  6. Baste the poppers with BBQ sauce and continue baking for 5 minutes. Enjoy!

Texas Caviar

Place the following ingredients into a bowl:

Drain before adding:

  • 1 can black eyed peas

  • 1 can pinto beans 

  • 1 can black beans

  • 1 can shoepeg corn

Finely chopped:

  • 1 cup red pepper 

  • 1 cup celery 

  • 1 cup green onion

In a separate bowl, mix 1 cup sugar, 3⁄4 cup apple cider vinegar, 1 teaspoon water, and a sprinkle of salt and pepper. Microwave the mixture until it boils, and then pour over the dip. 

Serve with Fritos Scoops

Campfire Potatoes

Ingredients:

  • 2 lbs Red Potatoes
  • 1⁄2 teaspoon Salt
  • 1⁄2 teaspoon Pepper
  • 3 Tablespoons Butter
  • 1⁄2 cup Mozzarella Cheese shredded
  • 1 cup Cheddar Cheese shredded
  • 6 slices Bacon cooked and chopped
  • 3 Green Onions sliced

Directions

  1. Spray 3 large pieces of foil with a non-stick cooking spray.
  2. Slice the potatoes into thin slices and evenly divide them onto the pieces of foil.
  3. Season the potatoes with salt and pepper. Then top each one with the diced bacon and green onions. Then top each one with thin slices of butter.
  4. Fold the foil around the potatoes securely to make a foil pack.
  5. Place on a preheated grill over medium high heat or place on a campfire. Grill for 15-20 minutes until the potatoes are tender.
  6. Carefully open the foil packs. Evenly place the shredded cheese over the potatoes in the foil. Carefully close the foil packs back up and allow the steam from the potatoes to melt the cheese (approximately 2-3 minutes). 
  7. Then the potatoes are ready to serve warm and enjoy!

Notes:

We used heavy duty foil to make sure that it doesn't break when cooking. 

Refrigerate the leftovers in an airtight container for up to 5 days.

The content provided in this blog is for informational purposes only. Nothing stated is to be construed as financial or legal advice. Some products not offered by JVB. JVB does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs, or websites. JVB does not warrant any advice provided by third parties. JVB does not guarantee the accuracy or completeness of the information provided by third parties. JVB recommends that you seek the advice of a qualified financial, tax, legal, or other professional if you have questions.

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