Affordable Summer Fun in Central Minnesota

Howdy folks, Financial Fitness Phoebe here, hoping this finds all of you happily soaking in this elusive season called summer!

Here at St. Cloud Federal Credit Union, our focus is on helping you save your pennies while getting the most out of life. And frankly, at times, it can seem like everything fun costs money.

Well, central Minnesotans, during the summer months, that’s not completely true. Our area is teeming, week in and week out, with a ton of highly affordable community events and activities perfect for the whole family.

Today, we’ll give you a rundown of a few things to put on the calendar this summer!

SUMMERTIME BY GEORGE

Since it’s inception in 2011, Summertime By George has continuously thousands of people into the center of St. Cloud on Wednesday evenings for live music from beloved local musicians, food from area restaurants and vendors, handmade arts and crafts, and a whole lot more. The weekly outdoor festival happens each week through August at Eastman Park, more commonly known as Lake George.

If you haven’t attended one of these yet, not only are you missing out, but you’re rapidly becoming a minority! Last year’s final Summertime by George night pulled in a whopping 13,000 attendees. We figure this many people can’t be wrong - and at no cost, it’s well worth your while to explore Summertime by George! 

MUSIC IN THE GARDENS

Here’s another regular musical outing in a lovely Mississippi River-side setting. Music in the Gardens brings talented musicians together every other Sunday afternoon near the Gazebo in Munsinger Gardens. Like Summertime by George, the tunes are free - and if you’re feeling decadent, you can snag a root beer float for a buck! 

BENTON COUNTY FAIR

There are a ton of fairs to visit around central Minnesota, but for our purposes, let’s talk about the one closest to the St. Cloud metro area - the Benton County Fair. This is the highlight of summer for a lot of people, and it’s not hard to see why. The fair, held from August 5-10 at the fairgrounds in Sauk Rapids, has something for everyone: barns full of fun and prize-winning animals, great, classic fair food from local vendors, a talent show, live music and a beer garden in the evening and, of course, the fairway. Yes, we know the fair can take a chunk out of the wallet, so budget a little cash for the goodies. And remember - there’s no charge to walk around and people-watch! :) 

QUARRY PARK

We here in central Minnesota have something not everyone has - easy access to beautiful, natural places. One of these is the perennially popular Quarry Park and Nature Preserve.

As far as county parks go, it doesn’t get much better. The 684-acre preserve features a Granite reflecting pool, many miles’ worth of biking and hiking paths, some seriously fun trout fishing, and, of course, the beloved swimming holes that brave souls in our community leap into from high places! All you need is a day pass to cover the whole family - or, if you’re thinking about making a return appearance, you can snag an annual permit for the cool price of $16. 

Well, that’s our short list of things to keep you busy - and in the black - this summer. And we want to know - what’s your favorite central Minnesota activity for summertime? Leave us a comment and let us know! Enjoy the season, everyone!

Stay Cool For Less

Hey there folks! Financial Fitness Phoebe here, hoping you’re all enjoying this Minnesota enigma we call summer.

We all know that once summer hits, and hits HARD, it’s going to be difficult to resist cranking the air conditioner on full-blast. But, while A/C might hit the spot when it comes to comfort, it’s not as satisfying when considering your wallet. In fact, the typical U.S. home spends 17% of its annual energy bill on cooling; that’s about $375!

If you have central air or another AC unit, it’s inevitable that you’ll start it up on those blisteringly hot days. BUT, in this season of family vacations, ice cream outings, and general summertime decadence, we’ve collected a variety of ideas for staying cool without completely relying on that money-sucking air conditioning system - keeping more money in your pocket for fun! Here are 5 favorites!

WINDOWS SHUT AND BLINDS DRAWN

Yeah, I know, I know...it’s a little bit of a bummer to keep the sun out on these gorgeous days. Still, we stand to save a lot of green by shielding our homes from the sun’s powerful rays. tightly-sealed windows coupled with blinds or lined curtains can reduce the need for your air conditioner - just make sure you open up those windows on cool evenings!

FANS

It’s amazing how much cheaper it is to run a fan instead of an air conditioning system. Plus, a few strategically-placed oscillating fans can really move air through your home - and air flow can make all the difference! Another great resource which is part of most homes today - ceiling fans. But, there’s a catch - make sure your ceiling fan is spinning in the direction which forces the air down rather than pulling it up!

LIGHT BULBS

In addition to having a shorter “life span,” incandescent light bulbs kick out a ton of heat. You might not think much of it, but with all those bulbs going at the same time - well, it adds up. In fact, the US Department of Energy’s studies report 90% of the energy from incandescent light bulbs is given off as heat. So, not only is that lost energy hot, it’s basically money you’re just throwing away. Consider shifting over to the cooler and more financially sound CFL and LED bulbs on the market today.

TURN OFF APPLIANCES

Summertime is the perfect time to unplug - and more more than just one reason. You’ll save money and reduce heat output by turning off appliances you’re not using, specifically things like televisions and computers. Consider hooking them up to the same power strip so you can quickly snap it off on hot days.

As for those high-powered, heat producing appliances - I’m thinking ranges, ovens, washers and dryers - avoid using them during the hottest part of the day. Don’t put yourself through that misery!

THE POWER OF WATER

Last but not least, surround yourself with all things water. While not everyone has a lake or pool to plunge into at a moment’s notice, there are ways to use our world’s most valuable resource to take the edge off summer. Place an ice cube on pulse points; this is a slapshot method of quickly cooling down. Make sure to drink plenty of water, too. A dehydrated body doesn’t sweat, and a body that can’t sweat has a much harder time cooling off.





So, there you have it - a short, cool list sans air conditioning. Have something you do to keep cool on the cheap? Leave us a comment. Happy chilling!

Summer Safety

Summer is here and in full swing! Safety and care for our Members and Community are always a priority for us at St. Cloud Federal Credit Union.  Below is a list of 7 Summer Safety tips ...

1. Monitor Swimming Time

An adult should actively watch children swimming at all times.  Even if you’re in a shallow area, accidents can happen and it’s always better to be safe rather than sorry.  For toddlers and smaller youngsters, it’s a good idea for an adult to be in the water within arms reach.  Keep track of how long children have been in the water so that you know when they might be getting tired, or if they need a break.

2. Keep Campfires to a Manageable Size

A fire is a fun way to spend a nice summer evening, but make sure you take necessary safety precautions.  Clear the area of any dry grass or branches so nothing will accidentally become ignited.  It’s also a good idea to check the weather before you begin your fire, so you’ll know if any wind is expected.  To be clear about where the campfire is, set a perimeter around the fire – blocks, bricks, or rocks work.  Make sure to keep your fire to a size that is manageable by an adult; bigger isn’t always better!

3. Apply Sunscreen and Reapply Often

We know there is a lot of praise for that summertime glow, but your skin is worth protecting.  The American Academy of Dermatology recommends applying sunscreen with at least 30 SPF 15-30 minutes before you step outside.  Remember, it is also important to apply sunscreen even on a cloudy day!

4. Store food and snacks at proper temperatures

With rising temperatures, it can be hard to keep snacks, picnics, and camp food at proper temperatures.  Plan out treats and meals wisely so that you don’t have to question whether or not what you’ve packed is safe to eat.  Make sure you’ve packed any raw meat separate from ready-to-eat food and snacks so nothing is cross-contaminated.  A good tip is to use an adequate sized cooler for your food; a fuller cooler stays cold longer than a half-full cooler.  Oh, and remember to bring a meat thermometer for grilling!

5. Use Seat Belts, Helmets, and Life Jackets

We know this seems like a ‘no-brainer’, but it is always a good reminder.  Especially with children, always encourage and demonstrate safety.  Wear your seat belts in any vehicle where they’re present, have a helmet handy when you bike or skate, and always put a life jacket on when you’re out on open water.  They may seem uncomfortable or a nuisance, but if something happens (which we hope never does!) you’ll be glad to have them.

6. Stay Hydrated

Drinking water can help reduce the risk of heat-related illnesses and can keep you properly hydrated. Keep water or sports drinks (for the electrolytes) handy, and remember to take a break for a drink. If you’re starting to feel thirsty, that’s an early sign of mild dehydration!  A helpful rule of thumb when you and the kids are active is to stop for a drink break every 20-30 minutes.

7. Know Your Surroundings

Whether you’re hiking, camping, or just playing in the backyard or nearby park, make sure you know your surroundings.  Summer is prime weather for ticks, mosquitoes, bees, and dangerous plants like poison ivy.  If you’re familiar with the environment you and your kiddos are in, you can dress appropriately and use proper preventative measures with sprays, as well as clean up when you’re finished.

Have a fun, happy, safe Summer, from all of us at SCFCU!



Our mission is to educate, support, and encourage our Members to become Financially Fit.


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Summer Fun - For Less {Part 2}

As you may have read, we have a compiled a list of 10 ways you can have fun this summer, without spending 'an arm and a leg' - and below is the second half of that list.  We always strive for Financial Fitness, so this Summer vacation, we encourage you to try some activities that will keep more money in your account and smiles on everyone’s face...

6. Keep Learning

Just because school is out doesn't mean learning needs to stop! Make a calendar with your youngsters and pick a different theme for what you want learn about that week.  Pick fun and interesting topics like stars and constellations, cloud formations, bugs and insects, the environment, animals, and more!

7. Go to the Library

Libraries are a jackpot for afternoons and days of fun, for free! Many local libraries not only offer an endless supply of summer reading, but you can also check out movies and audio tracks as well.  Ask at your local library for any summer activities for the kiddos or book clubs for adults.

8. Plan a game night

Gather a few neighborhood friends and families and host a game night!  Ask each family to bring a snack to share and a game of their choice and make an evening out of it!  You’ll get to know other families and maybe even learn a new game or two!

9. S’more fun

If it’s legal in your neighborhood, pick a night and have a bonfire and camp out!  Grab some hot dogs and s’more ingredients, maybe a game, and some music.  This can be a nice way to spend time with family and friends and enjoy the summer evenings. 

10. Volunteer

There are many places that would love to have extra help during the summer months.  You can volunteer at all kinds of places – an animal shelter, a food shelf, or a recycling center – even an afternoon of picking up littered trash can be a huge help.  You’ll feel better too!

There are hundreds of other ways you can have fun this Summer without spending heaps of money.  Be creative, try new things, and think outside the box!  Whatever you do, make the most of it and have fun – Financial Fitness doesn't have to mean sacrificing a good time!

Our mission is to educate, support, and encourage our Members to become Financially Fit.


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Summer Fun - For Less! {Part 1}

Uh-oh, it’s the 3^rd day of Summer break and you've already heard the dreaded words: “I’m bored.” During Summer, it can be easy to slip into lazy habits, and redundant routines.  But don't worry- having fun and doing activities doesn't always have to cost money!  Because of our Financial Fitness goals, we've compiled a list of 10 things you can do this Summer without ruining your budget - below are the first 5...

1. Head to the Beach

There’s nothing like sand, sun, and waves to make for a great summer afternoon!  Find a nearby lake or pond, and go for a dip! Make a day of it and pack a picnic – the sun and water will be a refreshing way to enjoy the summer atmosphere.

2. Wash the Car

Unwind the hose, grab some sponges, and have fun!  Washing the car is another way for kids to cool off on a sunny day and still help out with chores – plus, your car will look great!

3. Check out Neighborhood Parks

The great thing about summer is being able to spend time outside.  You can play, relax, and maybe even get in on some fun events held at parks near you. Check  your local calendar for details!

4. Have a Lemonade Stand

When you come across a good deal on lemonade at the grocery store (or maybe the nearby dollar store), pick some up and make a lemonade stand! A lemonade stand can be a great way for kids to spend the afternoon, and learn about money too!

5. Visit Town Festivals

During the summer months, many small town communities host their own home-town festivals and offer local (and often live) music, food, art, and festivities!  Put on your walking shoes and see what all the excitement is about.

As you can see, having a good time doesn't always mean spending a lot of money!  Having fun and seeing new things can be low-cost, and even free.  Stay tuned for 5 more Summer activities that will keep you Financially Fit in Part 2!



Our mission is to educate, support, and encourage our Members to become Financially Fit.


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