As temperatures rise and summer settles in, many of us find ourselves planning vacations, attending community events, or simply taking time to slow down. But summer isn’t just for beach days and barbecues—it’s also the perfect season to pause, reflect, and refresh your finances.
At Bank of Central Florida, we believe that smart money habits are the foundation of financial confidence. And just like you might declutter your home or switch up your routine for summer, your finances deserve the same fresh start.
Here are five smart financial moves to make this season:
1. Review Your Budget
Summer brings a shift in expenses—whether it’s travel, higher electric bills, or more dining out. Now is the perfect time to revisit your monthly budget.
Ask yourself:
Are there subscriptions you no longer use?
Has your grocery or gas spending changed?
Can you plan ahead for upcoming back-to-school or holiday costs?
Use this moment to align your spending with your values and financial goals.
2. Automate Your Savings
Set it and forget it. One of the easiest ways to boost your savings is by automating transfers to your savings account—especially when your income remains steady but spending fluctuates.
Even small amounts each week can add up over the season.
Pro tip: If you're saving for something specific like a vacation or new home, create a separate savings bucket to track your progress.
3. Reassess Your Financial Goals
Are you on track to meet the goals you set at the start of the year?
Summer is halfway through the calendar year—a great time to adjust your financial game plan. Whether you're focused on debt repayment, retirement, or building a nest egg, a mid-year check-in can help you recalibrate with intention.
Not sure where to begin? Our Relationship Managers are here to help with personalized planning.
4. Make the Most of Travel Rewards or Points
If you’re traveling this summer, don’t forget to review your credit card rewards, airline points, or hotel benefits.
And when it comes to accessing cash on the go, you don’t have to worry about hunting down your bank’s ATM. Bank of Central Florida reimburses all ATM fees, so you can withdraw money from any ATM, anywhere—without the stress of unexpected charges.
It’s just one more way we help you expect the unexpected and enjoy your travels with confidence.
5. Plan Ahead for Fall Expenses
While it might feel far off, autumn comes with a set of its own expenses—from back-to-school shopping to business budget reviews.
Taking a few minutes to anticipate those costs can help you avoid the stress of last-minute spending.
Ready to Refresh?
Summer offers a slower pace and a fresh perspective. Use this season to take a breath, review your money habits, and set yourself up for success in the second half of the year.
At Bank of Central Florida, we’re here to guide you through every season of life—offering tools, advice, and personal support that goes beyond the transaction.
Let’s make this your most empowered summer yet.