Don’t let school holidays tip you into debt, says Ballymena-based charity

Christians Against Poverty (CAP) wants families to avoid being pressured into costly children’s activities.

“Everyone wants their kids to have a lovely time in the summer but if you want to avoid dipping into the overdraft, it will take planning,” said Valerie Roebuck Ballymena CAP Centre Manager.

“Some research and imagination at this stage will save you pounds in the holidays and help families avoid the kind of debt problems that can soon mount up.”

To aid parents, the charity has produced some top tips to avoid overspending – good news for the two in three families expected to holiday at home this summer.

“It really doesn’t have to be complicated or expensive for the family to enjoy time together,” said Valerie.

“Some space, some time, some toys and a picnic can be all it takes to provide a memorable day out.”

So, why not....

* Make a ‘boredom jar’ full of cheap ideas written on slips of card for a fun lucky dip. Suggestions could include make your own ice lollies; build a den or build your own crazy golf course in the back garden using flower pots.

* Libraries, most museums and some art galleries are free to enter – and will have all kinds of events on during the holidays. Research online to find out what they are doing near you.

* Do something new or different – paint a picture outdoors; ride on a bus if you don’t usually; camp in the garden.

* If you’ve exchanged phone numbers for parents of your child/children’s schoolfriends why not organise a get-together for the kids.

* See what the local council has on offer so you can make the most of any free entertainment

* Never underestimate the power of a picnic! Keep it simple – an open space, a frisbee, a friend or two and plenty to nibble on and you have the sort of day memories are made of.

* Decide how you can help someone else – wash a neighbour’s car together; bake a cake and visit a relative; or write a letter to a friend.

If money is tight because you have debt or budgeting problems find out how CAP can help on www.capuk.org or call 0800 328 0006.