Summer Travel Budget Tips for Any Vacation

If you find your mind drifting to thoughts of a cottage, the beach or a backyard pool during Zoom calls, you’re far from alone. Summer is the busiest season for travel among Canadians, with July being the most popular month for getaways, according to a recent Deloitte poll.

If money concerns are dampening your travel plans, there are practical ways to ease that stress. Whether you’re planning a nearby staycation, a camping trip, a long road trip or an international escape, these strategies can help you enjoy summer without overspending.

How to save on a staycation

Staycations cut out big costs like flights and hotel bills, but you’ll still want a budget for dining and local attractions. Look for events that add special moments without adding cost: festivals, outdoor concerts, parades and fireworks often deliver memorable experiences for free or low cost.

Paul Seipp, BMO’s regional president for the prairies central region, suggests scouting local offerings and taking advantage of free or discounted days. Museums and other attractions frequently have lower rates on certain days or later in the afternoon.

To avoid a steep bill arriving in September, Seipp recommends creating a separate vacation savings account or setting money aside specifically for your summer plans. Simple precautions keep that post-summer “bill shock” from derailing your finances.

Dining during a staycation doesn’t have to be expensive. Pack picnics or bring lunches for outings, and when you do go to restaurants, target happy hours, “kids eat free” promotions or other specials that stretch your entertainment budget.

How to save on a camping trip

Camping can be a budget-friendly way to get away—especially if you already own tents and gear. If you don’t, new equipment can be expensive, so look for second-hand options through local classifieds, resale shops or garage sales. Well-maintained used gear can cut costs significantly.

Kristine D’Arbelles, senior director of public affairs for the Canadian Automobile Association, recommends thoughtful meal planning to avoid costly purchases at campground convenience stores. Another effective tip is to pack light and efficiently: a heavier vehicle consumes more fuel, so removing unnecessary items—and external racks you don’t need—reduces drag and saves on gas.

Keep an eye out for lower rates on mid-week stays, and if you’ll be camping multiple times during the season, consider whether a national or provincial park pass makes financial sense for you.

How to save on a road trip

Fuel is often the largest single expense on a road trip, so plan routes that minimize excess driving and compare options to find the most economical stops. Use fuel loyalty programs or membership discounts when possible, and consider apps that locate the best gas prices along your route.

Pre-booking accommodations is usually cheaper and reduces the stress of finding last-minute lodging. Choosing hotels with kitchenettes or suites can cut restaurant spending by letting you prepare some meals yourself. Small planning steps like these add up to meaningful savings.

How to save on an international getaway

If you’re travelling overseas this summer, consider using accumulated credit card or airline reward points to offset flights and hotels. Redeeming points can make a big difference, especially for infrequent big trips.

Check your credit card’s foreign transaction policy before you go so you’re not surprised by extra fees, and use local SIM cards or Wi‑Fi access to avoid roaming charges. When comparing accommodation options—budget hotels, vacation rentals or resorts—factor in location, included perks such as free breakfast, and whether the property’s convenience will reduce daily spending on transport and meals.

D’Arbelles strongly recommends travel insurance for international trips. Weather disruptions, cancellations and delays can quickly add unexpected costs for food, lodging or rebooking, and insurance can protect you from those potentially large expenses.

Given the uncertainties of travel today, spending a little on coverage can prevent a much larger financial setback.

Read more about travel:

• How to take a gap year trip without breaking the bank
• How to save money on a Disney Cruise
• Travel hacks to help you save money on your next trip
• “Yes, concerts are experiences—and I’m spending my money on them!”