In order to make financial security a reality, you need to take the first step of setting financial priorities.

Often when looking for things to beat summer boredom, the expenses can start to add up. But, there are many low cost, low budget ideas to beat summer boredom. This is the first of a two-part episode sharing low-cost summer boredom busters.

Summer activities can be very costly, and with the kiddos complaining of boredom, it’s a great time to think about how you can save a few dollars. In episode 8, I shared the first 13 tips from a list of 25 boredom-busting ideas. This episode picks up from tip number 14.

Discussing the difference between wants and needs with your child is especially important during the teen years when self identity often hinges on having the latest greatest and most expensive new fad. It’s a tricky but important conversation, and it’s never too early to start talking to your kiddos about distinguishing between their wants and needs.

From June until mid- to late October, the Farmers’ Market is a great place to find local fresh fruits and vegetables. The excitement at the farmers’ market might tempt you to overspend. Just like shopping at the grocery store, remember your grocery needs and budget when visiting the market.

Part 1 in Episode 11 discussed budget tips for shopping your local farmers’ market. One of those was developing your shopping list prior to going to the market. Today, I cover this in more in detail.

Warehouse club shopping can be a great way to save money, especially if you have multiple family members living at home. However, you must also use caution. It is easy to overspend when you are surrounded by numerous products and free samples. If you decide to commit to a warehouse club membership, today’s podcast discuses tips to maximize your warehouse club benefits, while being mindful of your budget.

You can reduce your back-to-school stress and expenses by developing a budget prior to heading out to your local retailer, just as you would for holiday shopping. Planning in advance gives you time to shop for specific items you need at the right price.

Before heading off to college, young adults should have a basic understanding of money management. College may be the first time that they will be responsible for managing their own money. Even if Mom and Dad are still paying the bills, they will not be around to help make every day spending decisions. Overspending and poor use of credit while in college can have lasting effects on financial success after college. Talking to your children to help them develop a plan for handling money and expenses once they get to college is very important.

Fires, flooding, severe storms, earth quakes, tornadoes and hurricanes affect millions of American households every year. Failure to adequately prepare for these emergencies can result in a number of consequences. However, if you and your family experience one of these emergencies, proper planning and preparation will help you survive.