LEADING THE WAY. OKAY, THIS IS HARD TO BELIEVE, BUT WE ARE ALMOST HALFWAY THROUGH 2024. AND FOR MANY FAMILIES, THAT MEANS KIDS ARE HOME FROM SCHOOL VACATIONS ARE COMING UP AND THEIR BUDGETS COULD BE STRETCHED. HERE TO HELP US MAKE SENSE OF THE SUMMER SPENDING IS MEGAN HAMMOND WITH WEALTH QUEST. YOU바카라 게임 웹사이트�RE LAUGHING MEGAN, BECAUSE IT IS ALL JUST VERY LAUGHABLE AT THIS POINT. WELL, IT바카라 게임 웹사이트�S REAL, I THINK. YOU KNOW, I KNOW WE바카라 게임 웹사이트�RE ALREADY FEELING IT LIKE, OH MY GOODNESS, THE THE KIDS ARE HOME AND IT바카라 게임 웹사이트�S JUST CAMPS AND EVERYTHING ELSE. THE EXTRA SPENDING THAT YOU SOMETIMES DON바카라 게임 웹사이트�T PLAN FOR. I KNOW WE DON바카라 게임 웹사이트�T. SO TALK TO US A LITTLE BIT ABOUT HOW TO STEP INTO SUMMER AND WHAT ADVICE CAN YOU GIVE FAMILIES AND PEOPLE OUT THERE WHO ARE SAYING, OH MY GOSH, WE WHAT? WHAT SHOULD WE BE DOING THIS TIME OF YEAR? TO ME IT ALMOST I LIKEN IT TO CHRISTMAS RIGHT WHERE YOU바카라 게임 웹사이트�RE JUST YOU바카라 게임 웹사이트�RE JUST CONSTANTLY SPENDING AROUND THE HOLIDAYS. IT KIND OF IS. AND I THINK WHAT PEOPLE DON바카라 게임 웹사이트�T REALIZE IS THAT WHEN WE MOVE FROM THE COLDER SEASONS IN SCHOOL SEASON INTO SUMMER, THERE바카라 게임 웹사이트�S A SHIFT IN FINANCIAL PRIORITIES. YOU KNOW, WHEN WE THINK ABOUT WHAT FAMILIES ARE SPENDING DURING THE SCHOOL YEAR, IT바카라 게임 웹사이트�S EXTRACURRICULAR ACTIVITIES, IT바카라 게임 웹사이트�S SCHOOL SUPPLIES, IT바카라 게임 웹사이트�S CLOTHES. AND WHEN WE LOOK AT SUMMER, IT바카라 게임 웹사이트�S MAYBE TUTORING AND SUMMER CAMPS AND VACATIONS AND ALL OF THOSE EXTRA THINGS THAT WE DO IN THE SUMMER. AND SO THERE CAN BE A REALLY GREAT OPPORTUNITY HERE TO LOOK AT OUR BUDGETS, LOOK AT OUR SPENDING PLAN AND REASSESS WHERE WE ARE ALIGNING OUR RESOURCES WITH OUR GOALS. AND IT바카라 게임 웹사이트�S SOMETHING HARD FOR US TO DO. BUT I THINK WHEN WE DON바카라 게임 웹사이트�T, WHAT I SEE MOST OFTEN IS A TENDENCY TO OVERSPEND BECAUSE WE HAVEN바카라 게임 웹사이트�T CHANGED ANY OF THE BUDGET AREAS THAT WE HAD THROUGHOUT THE SCHOOL YEAR, AND NOW WE바카라 게임 웹사이트�RE JUST ADDING EXPENSES FOR THE COOKOUTS AND THE SUMMER CAMPS AND THE VACATIONS, AND WE DON바카라 게임 웹사이트�T REALLY WORK ON REALIGNING OUR GOALS. WE JUST ADD ON TOP OF THE THINGS THAT WE ALREADY HAD. YOU MENTIONED SOME OF THOSE BIG THINGS LIKE SUMMER SCHOOL, TRAVEL, THINGS LIKE THAT. WHAT ARE SOME THINGS THAT MAYBE PARENTS AND FAMILIES CAN BE SURPRISED BY DURING THE SUMMER? YEAH, SO I LIKE TO TO LOOK AT OUR SPENDING IN TWO CATEGORIES. SO IT바카라 게임 웹사이트�S REALLY THE DAY TO DAY SPENDING THAT WE WERE JUST TALKING ABOUT. AND THEN IT바카라 게임 웹사이트�S THESE BIG ITEMS, THESE BIG TICKET ITEMS THAT HAPPEN ONCE IN A YEAR, MAYBE TWICE IN A YEAR. SO THE BIG ONE IS SUMMER, YOU KNOW, SUMMER VACATIONS AND I THINK WHEN WE바카라 게임 웹사이트�RE COMING INTO SUMMER, A LOT OF PEOPLE HAVE ALREADY ACTUALLY BUDGETED FOR THOSE, RIGHT? WE AT LEAST THE BIG PIECES. SO THE HOTEL, THE TRANSPORTATION, MAYBE SOME OF THOSE BIG, BIG ACTIVITIES. SO THIS IS THE TIME THAT WE ACTUALLY START LOOKING FORWARD TO FALL VACATIONS OR MAYBE EVEN CHRISTMAS, YOU KNOW, AND START BUDGETING SO THAT WE바카라 게임 웹사이트�RE PREPARED FOR THAT. BUT THERE ARE A LOT OF EXPENSES THAT COME UP THAT WE DON바카라 게임 웹사이트�T PLAN AS FAR IN ADVANCE FOR. SO MAYBE THOSE FURNITURE EXPENSES OR APPLIANCES AND SUMMER CAN BE A REALLY GREAT TIME TO START LOOKING AT THAT. THERE ARE A LOT OF SALES THAT COME UP WITH THE HOLIDAYS, MEMORIAL DAY AND THE 4TH OF JULY, AND SO IF WE THINK EVEN A FEW WEEKS OR MAYBE A FEW MONTHS IN ADVANCE, YOU KNOW, WE CAN REALLY TAKE ADVANTAGE OF THOSE DEALS AND GET THE BIGGEST BANG FOR OUR BUCK. SO WE바카라 게임 웹사이트�RE NOT WE바카라 게임 웹사이트�RE NOT BREAKING THE BUDGET. THOSE SOUNDS LIKE BUDGETS ARE SEASONAL. IS THAT THE WAY TO SORT OF LOOK AT IT? THEY KIND OF ARE, YOU KNOW, I THINK SO MANY ASPECTS OF OUR LIFE ARE SEASONAL, ARE WARDROBE, YOU KNOW, EVEN WHAT WE EAT. SO SOUPS AND CHILIS IN THE WINTER AND FRESH FRUITS AND VEGETABLES IN THE SUMMER AND, AND FINANCES ARE NO DIFFERENT. BUT WE DON바카라 게임 웹사이트�T THINK ABOUT IT THAT WAY. YOU KNOW, WE LIKE TO SET A BUDGET AND STICK TO IT BECAUSE BUDGETING REALLY ISN바카라 게임 웹사이트�T THAT FUN. BUT BUT THERE바카라 게임 웹사이트�S AN EBB AND FLOW TO LIFE. I바카라 게임 웹사이트�LL ADMIT IT. NO, IT바카라 게임 웹사이트�S CERTAINLY NOT. BUT THERE바카라 게임 웹사이트�S AN EBB AND FLOW TO LIFE, AND IT바카라 게임 웹사이트�S NO DIFFERENT WITH FINANCES. AND SO I THINK IF WE TAKE THE OPPORTUNITY TO ACKNOWLEDGE THAT, THAT OPPORTUNITIES AND, AND PRIORITIES SHIFT, IT MAKES BUDGETING A LOT MORE ENJOYABLE BECAUSE WE바카라 게임 웹사이트�RE REALLY ALIGNING OUR SPENDING WITH OUR GOALS. AND INSTEAD OF TRYING TO SHOVE ALL OF THESE THINGS THAT WE WANT TO DO INTO THIS BUDGET, THAT WE SET FOR A PERIOD THAT DOESN바카라 게임 웹사이트�T REALLY APPLY TO US RIGHT NOW. OH, OH, WE JUST ALWAYS GOOD INFORMATION, YOU KNOW, AND IT MAKES YOU FEEL LIKE, OKAY, WELL, MAYBE EVERYBODY OUT THERE IS GOING THROUGH THE SAME THING. YOU KNOW, MEGAN HAMMOND WITH WITH WEALTH QUEST. THANK YOU SO MUCH FOR BEING HERE AND JUST ALWAYS DUMBING IT DOWN FOR US SO THAT IT MAKES IT IT SEEMS EASY UNTIL YOU START PUTTING ALL THOSE NUMBERS DOWN. THANKS AGAIN FOR BEING HERE. AND IF YOU MISSED ANY OF THAT, WE HAVE ALL