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Sure, you know you have to set a budget for the academic year. But what about the summer? Even if you're at your parents' house and aren't worried about things like rent or meal plans, you still need to be smart with your money. Spend a few minutes at the start of summer setting a budget for summer expenses: Things like entertainment, gas, travel, and the like should all be included. Keep in mind, too, that you'll likely need to end the summer with a certain amount of savings in your bank account that you'll use for books and other school-related expenses when classes resume in the fall. The last thing you want to do is realize you've spent all your hard-earned summer cash on frivolous things when you really could have used it better during the academic year.