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As summer approaches, many of us begin to look forward to warmer weather, time off, and making memories with family and friends. At the same time, it can also bring added financial pressures. Costs such as holidays, childcare, and activity clubs can quickly add up, making this time of year feel a little overwhelming.

We’ve pulled together some practical ideas and support options that may help make the summer months more manageable.

Four ways to save on your summer holidays

For many people, a summer holiday is something special to look forward to. Whether it’s a long-standing tradition or a much-needed break. Planning and exploring your options can often help reduce costs.

Here are a few tips to consider:

  • Booking in advance – Many airlines release tickets around 10–12 months before departure. Booking earlier can sometimes get you lower prices, though this varies by demand and destination.
  • Considering package deals – Package holidays (which bundle flights, accommodation, and sometimes transfers) can occasionally offer better value than booking separately. It’s always worth comparing prices before you book.
  • Being flexible – If possible, adjusting travel dates or airports can sometimes lead to more affordable options.
  • ATOL (Air Travel Organisers’ Licensing) Protection – This is a form of financial protection when you book a package holiday which includes a flight. ATOL provides protection for your travel company stops trading before or during your holiday.
  • Staycations – The UK has a great number of travel destinations. Beaches, forests, amazing peaks and valleys. Dozens of great locations, all without leaving the country.

Support with childcare costs

The summer break can make childcare arrangements challenging. There are several schemes available in the UK that could help reduce costs:

  • Tax-Free Childcare – If you’re eligible, the government can contribute towards childcare costs. For every £8 you pay in, the government adds £2 (up to £2,000 per child per year, or £4,000 for a child with a disability). This can be used for approved childcare, including some holiday clubs. Children must usually be aged 11 or under 16 if they have a disability. To claim tax-free childcare, the holiday clubs must be Ofsted registered.
  • Funded childcare hours – Childcare support has expanded in recent years:
    • Children aged 3 to 4 are entitled to 15 hours per week (universal), with some working families eligible for 30 hours.
    • Eligible working families with children from 9 months old up to 2 years may also access 30 hours per week.
    • Availability and eligibility depend on working status and income, so it’s worth checking your specific entitlement.
  • Universal Credit (UC) childcare support -If you receive Universal Credit, you may be able to claim back up to 85% of your childcare costs. Current maximum monthly amounts are approximately:
    • £1071.09 for one child
    • £1836.16 for two or more children
    • These amounts may change over time, so it’s a good idea to confirm the latest figures when applying.

Finding affordable holiday clubs

Finding activities for children over the summer that are both enjoyable and affordable can take time and planning. There are a few options that may help:

  • Holiday Activities and Food (HAF) Programme – This government-funded initiative provides free holiday clubs in many areas for children who receive benefits such as free school meals. These programmes often include meals and a range of activities.
  • Comparing local options – Looking at different holiday clubs in your area can help you find one that fits your budget and your child’s interests. Local authority websites and childcare search tools (including GOV.UK resources) can help you explore available options.

We’re here to help

These are just some of the ways you might reduce costs and access support over the summer. If you’re concerned about managing expenses, especially those related to credit or debt, you’re not alone.

Our advisors are here to provide guidance and support in a confidential, non-judgemental way.

If you’d like to explore your options or find out what support may be available to you, please get in touch here:

Get free debt advice online or call 0800 316 1833 to speak to one of our experts.

PayPlan’s advice is free, but some solutions may involve fees.