Summer is a time for fun in the sun with your loved ones and friends.  One of my favorite childhood memories is of my father teaching me to body surf.  I can still see it with vivid details in my mind.  It always makes me smile.  This one moment was so impactful that it has forever shaped my beach experience.  A trip to the beach is not complete without riding at least one "toasty" wave, as my father likes to call them.

These memories and trips are everlasting.  Do not turn such great potential for good into a burden that takes years to rid yourself of.  Everlasting memories are not expensive and they do not need to go on a credit card.

When planning, focus on what is truly important.  This simple process will help you to shed additional costs which can keep you smiling for years to come.