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Summer is one of the best times of the year. Longer days provide plenty of time to enjoy the outdoors — one of the best things Watonga has to offer. But all that fun can also add up quickly.  

The good news? You don’t have to overspend to have a great summer. With a little planning, you can enjoy everything about our area has to offer without putting stress on your finances! 

How to Start a Summer Budget 

Before you make plans, think about what might come up in the next few months and what you might like to spend. 

Ask yourself questions like: 

• What are my current expenses? 
• What extra costs do I expect this summer?  
• Am I currently paying off debt? 
• Can I reduce any current expenses to make room for summer activities? 
• Am I prepared for emergencies with a small savings cushion? 

By answering these questions, you will have a clearer picture of your finances. 

Take Advantage of What’s Close to Home 

You don’t have to spend a lot to have a great summer. One of the biggest advantages of living in Watonga, OK, is that some of the best summer activities are here — and affordable. 

Roman Nose State Park

Roman Nose State Park is a centerpiece of summer fun in our area. And you don’t need a big travel budget to enjoy one of the original seven Oklahoma state parks. Roman Nose State Park offers a wide range of activities in one place, making it perfect for everyone. 

• Take in scenic views on the hike and bike trail 
• Fish and swim in no-wake lakes 
• Swim from one of the two park pools 
• And more! 

T.B. Ferguson Museum

Relive the journey of one of the pioneers who helped shape Oklahoma at the T. B. Ferguson Home Museum. It’s a local treasure that brings history to life in an engaging and easy way. 

Whether you’re interest in early pioneer life, Native American history, or the development of the region, it’s an accessible and educational experience for all. 

Other Low-Cost Fun Days 

Not every outing needs to be grand. In fact, some of the best summers are those spent with good company.  A few other ways to have low-cost fun during your summer include: 

• Picnic at a local park 
• Evening walks 
• Family game nights 
• Backyard cookouts 

It’s easy to fall into summer spending but the most memorable moments cost the least.  

Helpful Tips to Stay on Budget This Summer 

Give yourself permission to enjoy the summer but also set some boundaries.  

• Set Weekly Check-Ins: Review your spending every week to make changes if needed. 
• Use Coupons: Save on food, travel, and entertainment with coupons. 
• Pay Yourself First: Set aside money for your savings first. 

When You Need A Little Help 

Between local spots and simple at-home activities there are plenty of ways to enjoy the season while staying financially on track. However, if you still find yourself concerned about your summer budget or need some help with planning, the First State Bank team is here to help.  

With a variety of services and savings accounts or personal loans, you can find support to make sure you have some summer fun. 

Visit First State Bank