Summer's finally here! Long, warm days hold the promise of outdoor lunch breaks and weekends at the beach, but what's even better is that you don't have to be rolling in dough to enjoy some really fun activities. If you know where to look, there's plenty of entertainment at your disposal, all without spending a dime.

Hold onto your hat, 'cause this live music is going to blow you away

Hello, live outdoor music!

In summer, local bands take advantage of the glorious weather and show off their chops at free concerts. If you're in New York, check out the NYC Parks summer concert series. It's got something for everyone, with concerts ranging from Scandinavian music to The Staten Island Snugs, a three-part harmony outfit, with lead guitar, bass, flute, and drums. But no matter where you live, chances are there will be a bar, restaurant, park, or festival pretty much every weekend with some live tunes. Check local newspapers or tourist bureaus, or even ask around at your favorite coffee shop. Baristas and bartenders are often artists, so they frequently have the inside scoop on the local music and art scene.

Admire free mural art

If you live in a city where murals are splashed all over buildings, do a bit of sleuthing to find out the stories behind the best ones. Hit up a tourist bureau or local library to get more information on the mural art scene in your city, then spend a lazy day photographing and drinking in your favorites. And if you're an artist, turns out painting murals pays pretty well too...

Just add sunshine!

Lazy picnic breakfasts, brunches, lunches, dinner, afternoon tea…you get the idea

You have the food – why not dine alfresco? Snag a few beach towels or bedsheet and a cooler, pack up some refreshments, and spread out under a shady tree. If you're the active type, bring a Frisbee or other lawn game. Couch potatoes, grab that novel you've been eyeing or your favorite magazine. Nothing quite beats munching away under the open sky as a warm breeze ruffles your hair. If you're planning on bringing booze to a park or other public area, make sure you check regulations before you go, and don't forget the bug spray!

Hike the great outdoors

Whether you're blazing your own trail or enjoying the fruits of someone else's labor, hiking through all sorts of natural surroundings can be rejuvenating. The National Park Service makes it easy to find a public park near you, or you can try AllTrails, an aggregate collection of over 5,000 trails that include directions, trail maps, and reviews. Even though it's tempting to sleep late during lazy summer days, if you're going hiking, it's best to start as early as possible in the morning to avoid crowds and the late afternoon sun. Furry friends make great hiking companions (just make sure you remember some water for them too). Once you reach the crest of a particularly scenic overlook, you'll feel proud to have accomplished something other than scrolling through a week's worth of social media posts.

You'll never go hungry at a farmer's market

Stuff yourself with free samples at a farmer's market

Sometimes it's easy to forget that food isn't actually created at your local grocery. There's something incredibly refreshing about knowing the provenance of your eats, and it's even better when you can speak to the people who created it with their own two hands. At a farmer's market you'll not only get to choose from the freshest, tastiest food you can find, but you'll also get to meet the people behind it. They frequently have samples so you can try out their homemade organic blueberry jelly or aged goat's milk gouda before you buy it. It's a fantastic place to try new seasonal foods, where you'll experience them at the peak of their flavor. Because let's face it: there's nothing worse than biting into a fresh strawberry or tomato only to find that while it may resemble the fruit, it tastes like soft shoe leather. Local Harvest and Farmer's Market Online are terrific resources for scouting out one near you.

Road trip with your besties

While road trips aren't technically free (I mean, gas costs money), when shared among a few of your BFFs, it's a pretty cheap way to spend a day or two. Do some investigating to see if there are any notable historic spaces or funky destinations nearby. Even if the world's largest ball of twine (incidentally, also a free attraction) doesn't quite live up to expectations, you can bet that you'll have a great time getting there. Put together a playlist of your favorite tunes that bring back happy memories and hit the road. Bonus points if you can convince your friend with the convertible to drive.

See where the magic happens at a factory tour

No, I'm not talking about touring your local air-conditioning unit factory. Think snacks and chocolate. Factory Tours USA lists a whole host of factories that offer free tours (and samples!) so you can get an inside look at how your favorite snack is made. Drool over the 25,000 pounds of confections made per shift at the Anthony-Thomas Candy Company in Ohio, or inhale the mouth-watering aroma of freshly cooked kettle chips at the Cape Cod Potato Chip factory in Hyannis. Once you try their hot, fresh-from-the-fryer kettle chips you'll be hooked, I promise.

Beautiful day + beautiful wine = beautiful life

Free booze! Need I say more?

Wineries, distilleries, and craft breweries are prime destinations to hit up during the summer months. It's fun to speak with the experts and learn how they got into their craft, and they're always happy to provide samples of their wares. Oenophiles can sample local wines from grapes grown out back, and beer fans will be hard pressed to find a better pint than one poured straight from the source. A quick Google search will unearth plenty of options, and if you combine it with a road trip or a picnic you've got yourself one hell of a sweet summer day.

Rejoice if you're light on funds. There's no need to envy your more financially flush friends, as there are more than enough free summer activities to keep you busy and your social media filled with memories.

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I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.

There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).

After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well that was all for nothing, I guess.

It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.

That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.

I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.

Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.

Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).

More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.

The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.

I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.

Update: Our friends at Truebill are extending a special offer to our readers! Follow this link to sign-up for Truebill.

My buddies and I always try to make it out to a game, but we never really care which one we end up at. Obviously we have our favorite sports and teams, but it was rarely about what game we went to or who we saw playing. It was about watching the game live.

In the early months of lockdown, all we had was Korean baseball, and trust me, we loved it. The only issue was, none of us had any idea what the commentators were saying. Even then, a few of my friends weren't huge fans of baseball. They were into sports like football and basketball, ones that moved at a quicker pace with less down-time in between plays.

We decided to see if there were any other events going down and came across horse racing. Yes, horse racing. It was perfect--short, fast-paced, and most importantly, an opportunity for betting.

I had never really considered watching a horse race any time other than the Belmont Stakes, but the prospects of the sport seemed exhilarating. Even better, with horse racing we knew we could still recreate the atmosphere of a race track. Salty snacks? Check. Stale beer? Check. A simple and easy way to bet? Check.

One quick Google search later, we came across TVG, powered by FanDuel. It's an online betting platform that takes you right to the heart of the action. We were a little apprehensive about using a mobile app to place our bets, but TVG's ability to bet on live horse races from all over the world was too good to pass up.

Here are 5 reasons why we are obsessed with horse racing thanks to TVG:

1. Betting has never been easier

Use your phone or computer to watch and bet on live horse races in real-time. TVG offers a bunch of features to make betting even simpler--live odds and handicapping tips leverage recent learnings to help you make your best bet. Not to mention, TVG's exclusive race content and wagering guide offers an under-the-hood look into the strategy behind horse race betting.

2. The biggest selection of horse races out there

If you're looking to drop a little dough on a horse race, chances are your best option is your local race track. But watching the same few horses races over and over again isn't the most exciting thing. With TVG you have access to over 150 tracks worldwide with races happening consistently throughout the day.

3. Get a generous sign-up offer when you place your first bet

Once you register your account, you will be eligible for a $200 risk-free bet. All you have to do is place your first bet and you're covered. If you happen to lose, TVG will insure you for up to $200 as a sort of wagering credit. I may have been a little trigger happy when placing my first bet, so having this insurance was a great perk. There are also a bunch of promotional offers available year-round.

4. Making deposits and cashing out at the touch of button

With a ton of payment options such as PayPal, BetCash, debit/credit, wire transfers, and other third-party services, making a deposit is a breeze. But what about the payout? Depending on your deposit method, your withdrawal will be available in a few days. No more waiting in-line to collect your winnings!

5. Watching live races with your friends while betting is exhilarating

Even when we were watching Korean baseball, Zoom calls with my friends were a little dull.

With TVG, we haven't had this sort of fun in months! Every weekend we'll turn on a race and throw our bets in. After a few races, and quite a few drinks, we'll tally up our winnings to see who won the most! Sometimes it's not even about making money, but just having a good time.

TVG is the perfect way to add a little excitement to an otherwise mundane afternoon. It introduced me to the world of horse racing, a sport I never would have considered otherwise.

The races just keep ramping up and thanks to TVG, I can always get in on the fun.

UPDATE: The biggest derby in horse racing is THIS WEEKEND. Get in on the action with your $200 risk-free bet!

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