Community
Take Time Off This Summer, but Not from Your Finances
Summer is here, bringing all the fun that comes with months of warm weather and hours of daylight. As you plan your summer season itinerary, however, you might discover you’re juggling more expenses than just a trip to the beach.

Summer is here, bringing all the fun that comes with months of warm weather and hours of daylight. As you plan your summer season itinerary, however, you might discover you’re juggling more expenses than just a trip to the beach.
For parents, there’s the cost of day camp or other childcare. At home, you might be cranking up the air conditioner more often. Even that short beach trip can be costly after paying for gas, food and maybe a souvenir.
Unexpected summer expenses can impact your budget if you’re not careful. Common summer-specific costs to be aware of as you make your budget include:
- Childcare and summer activities: Many parents have to make plans for their younger children when they’re out of school. Summer day camps are a great option, but they can be costly. If you prefer to hire a summer babysitter or nanny to care for your children in your home, the costs can be similar depending on how many hours the caregiver works and their hourly rates.
- Home maintenance: More time at home means more air conditioner use, which can drive up your utility bills. Your water bill might increase in order to care for your lawn and garden, which will need to be maintained more frequently. You may find more time in the summer for those home beautification projects on your list, but they come with a price.
- Travel: Most people will save in advance of a big trip, but it’s easy to get caught off guard by how much money you can spend at less costly local attractions as well. If you go to your county fair, prepare to shell out more than you might expect for a few rides and games. If you’re taking longer trips, the cost of transportation, lodging and multiple meals only add to your expenses. Even with the best advance planning, many people find they spend much more than they envisioned just doing things they enjoy.

Another expense easily forgotten in planning is clothing -either for growing children or another climate. Photo courtesy J.P. Morgan Chase & Co.

You can make summer memorable with nearby day outings doing simple activities like kite-flying or just strolling and gathering shells and stones. Photo courtesy J.P. Morgan Chase & Co.
Saving for summer
Knowing your savings timeline is key. Think about when you’ll need to start saving for summer costs and put aside extra money as early as possible if you have that option. Also consider making a special budget for summer that includes some of the expenses listed above that apply to your lifestyle. Some budget suggestions include:
- Figure out the largest costs of your summer trip first and decide your bucket list “must-haves.” What experiences are most important when you’re making your itinerary? Budget for airfare, hotel, food, and your dream excursions, and cut back on anything else that’s outside your budget.
- Check out freebies: Museums are often free on certain days in the summer. Plan a short day trip around those dates.
- Look for lower-priced or no-cost children’s daytime programs offered through local recreation centers, park districts, libraries, and school districts.
- Input summer-specific expenses in an online budget calculator. If you’re doing an annual budget already, make sure to add these additional, summer-specific expenses so you know what to expect when it’s time to pay.
Doing the planning ahead of time and knowing what costs you’ll face to adjust your budget accordingly can help you enjoy your summer plans without worrying about how you’ll afford them.
For more saving tips, visit chase.com/personal/financial-goals/budget
- Sponsored by J.P. Morgan Chase & Co.
Activism
OPINION: Your Voice and Vote Impact the Quality of Your Health Care
One of the most dangerous developments we’re seeing now? Deep federal cuts are being proposed to Medicaid, the life-saving health insurance program that covers nearly 80 million lower-income individuals nationwide. That is approximately 15 million Californians and about 1 million of the state’s nearly 3 million Black Californians who are at risk of losing their healthcare.

By Rhonda M. Smith, Special to California Black Media Partners
Shortly after last year’s election, I hopped into a Lyft and struck up a conversation with the driver. As we talked, the topic inevitably turned to politics. He confidently told me that he didn’t vote — not because he supported Donald Trump, but because he didn’t like Kamala Harris’ résumé. When I asked what exactly he didn’t like, he couldn’t specifically articulate his dislike or point to anything specific. In his words, he “just didn’t like her résumé.”
That moment really hit hard for me. As a Black woman, I’ve lived through enough election cycles to recognize how often uncertainty, misinformation, or political apathy keep people from voting, especially Black voters whose voices are historically left out of the conversation and whose health, economic security, and opportunities are directly impacted by the individual elected to office, and the legislative branches and political parties that push forth their agenda.
That conversation with the Lyft driver reflects a troubling surge in fear-driven politics across our country. We’ve seen White House executive orders gut federal programs meant to help our most vulnerable populations and policies that systematically exclude or harm Black and underserved communities.
One of the most dangerous developments we’re seeing now? Deep federal cuts are being proposed to Medicaid, the life-saving health insurance program that covers nearly 80 million lower-income individuals nationwide. That is approximately 15 million Californians and about 1 million of the state’s nearly 3 million Black Californians who are at risk of losing their healthcare.
Medicaid, called Medi-Cal in California, doesn’t just cover care. It protects individuals and families from medical debt, keeps rural hospitals open, creates jobs, and helps our communities thrive. Simply put; Medicaid is a lifeline for 1 in 5 Black Americans. For many, it’s the only thing standing between them and a medical emergency they can’t afford, especially with the skyrocketing costs of health care. The proposed cuts mean up to 7.2 million Black Americans could lose their healthcare coverage, making it harder for them to receive timely, life-saving care. Cuts to Medicaid would also result in fewer prenatal visits, delayed cancer screenings, unfilled prescriptions, and closures of community clinics. When healthcare is inaccessible or unaffordable, it doesn’t just harm individuals, it weakens entire communities and widens inequities.
The reality is Black Americans already face disproportionately higher rates of poorer health outcomes. Our life expectancy is nearly five years shorter in comparison to White Americans. Black pregnant people are 3.6 times more likely to die during pregnancy or postpartum than their white counterparts.
These policies don’t happen in a vacuum. They are determined by who holds power and who shows up to vote. Showing up amplifies our voices. Taking action and exercising our right to vote is how we express our power.
I urge you to start today. Call your representatives, on both sides of the aisle, and demand they protect Medicaid (Medi-Cal), the Affordable Care Act (Covered CA), and access to food assistance programs, maternal health resources, mental health services, and protect our basic freedoms and human rights. Stay informed, talk to your neighbors and register to vote.
About the Author
Rhonda M. Smith is the Executive Director of the California Black Health Network, a statewide nonprofit dedicated to advancing health equity for all Black Californians.
Activism
OPINION: Supreme Court Case Highlights Clash Between Parental Rights and Progressive Indoctrination
At the center of this controversy are some parents from Montgomery County in Maryland, who assert a fundamental principle: the right to shield their children from exposure to sexual content that is inappropriate for their age, while also steering their moral and ethical upbringing in alignment with their faith. The local school board decided to introduce a curriculum that includes LGBTQ+ themes — often embracing controversial discussions of human sexuality and gender identity.

By Craig J. DeLuz, Special to California Black Media Partners
In America’s schools, the tension between parental rights and learning curricula has created a contentious battlefield.
In this debate, it is essential to recognize that parents are, first and foremost, their children’s primary educators. When they send their children to school — public or private — they do not surrender their rights or responsibilities. Yet, the education establishment has been increasingly encroaching on this vital paradigm.
A case recently argued before the Supreme Court regarding Maryland parents’ rights to opt out of lessons that infringe upon their religious beliefs epitomizes this growing conflict. This case, Mahmoud v. Taylor, is not simply about retreating from progressive educational mandates. It is fundamentally a defense of First Amendment rights, a defense of parents’ rights to be parents.
At the center of this controversy are some parents from Montgomery County in Maryland, who assert a fundamental principle: the right to shield their children from exposure to sexual content that is inappropriate for their age, while also steering their moral and ethical upbringing in alignment with their faith. The local school board decided to introduce a curriculum that includes LGBTQ+ themes, often embracing controversial discussions of human sexuality and gender identity. The parents argue that the subject matter is age-inappropriate, and the school board does not give parents the option to withdraw their children when those lessons are taught.
This case raises profound questions about the role of public education in a democratic society. In their fervent quest for inclusivity, some educators seem to have overlooked an essential truth: that the promotion of inclusivity should never infringe upon parental rights and the deeply held convictions that guide families of different faith backgrounds.
This matter goes well beyond mere exposure. It veers into indoctrination when children are repeatedly confronted with concepts that clash with their family values.
“I don’t think anybody can read that and say: well, this is just telling children that there are occasions when men marry other men,” noted Justice Samuel Alito. “It has a clear moral message, and it may be a good message. It’s just a message that a lot of religious people disagree with.”
Justice Amy Coney Barrett raised a crucial point, noting that it is one thing to merely expose students to diverse ideas; it is quite another to present certain viewpoints as indisputable truths. By framing an ideology with the certainty of “this is the right view of the world,” educators risk indoctrination rather than enlightenment. This distinction is not merely academic; it speaks to the very essence of cultivating a truly informed citizenry.
Even Justice Elena Kagan expressed concern regarding the exposure of young children to certain materials in Montgomery County.
“I, too, was struck by these young kids’ picture books and, on matters concerning sexuality, I suspect there are a lot of non-religious parents who weren’t all that thrilled about this,” she said.
Justice John Roberts aptly questioned the practicality of expecting young children to compartmentalize their beliefs in the classroom.
“It is unreasonable to expect five-year-olds, still forming their worldviews, to reconcile lessons that conflict fundamentally with the teachings they receive at home,” he said.
As was noted in my previous commentary, “The Hidden Truth In The Battle Over Books In American Schools”, what lies at the heart of these debates is a moral disconnect between the values held by the majority of Americans and those promoted by the educational establishment. While the majority rightly argue that material containing controversial content of a sexual nature should have no place in our children’s classrooms, the education establishment continues to tout the necessity of exposing children to such content under the guise of inclusivity. This disregards the legitimate values held by the wider community.
Highlighted in this case that is before the Supreme Court is a crucial truth: parents must resolutely maintain their right to direct their children’s education, according to their values. This struggle is not simply a skirmish; it reflects a broader movement aimed at reshaping education by privileging a state-sanctioned narrative while marginalizing dissenting voices.
It is imperative that we assert, without hesitation, that parents are — and must remain — the primary educators of their children.
When parents enroll a child in a school, it should in no way be interpreted as a relinquishment of parental authority or the moral guidance essential to their upbringing. We must stand firm in defending parental rights against the encroaching ideologies of the education establishment.
About the Author
Craig J. DeLuz has almost 30 years of experience in public policy and advocacy. He has served as a member of The Robla School District Board of Trustees for over 20 years. He also currently hosts a daily news and commentary show called “The RUNDOWN.” You can follow him on X at @CraigDeLuz.
Activism
Newsom, Pelosi Welcome Election of First American Pope; Call for Unity and Compassion
“In his first address, he reminded us that God loves each and every person,” said Newsom. “We trust that he will shepherd us through the best of the Church’s teachings: to respect human dignity, care for the poor, and wish for the common good of us all.” Newsom also expressed hope that the pontiff’s leadership would serve as a unifying force in a time of global instability.

By Bo Tefu, California Black Media
Gov. Gavin Newsom and First Partner Jennifer Siebel Newsom on May 8 issued a statement congratulating Pope Leo XIV on his historic election as the first American to lead the Catholic Church.
The announcement has drawn widespread reaction from U.S. leaders, including former House Speaker Nancy Pelosi, who called the moment spiritually significant and aligned with the values of service and social justice.
In their statement, the Newsoms expressed hope that the newly elected pope would guide the Church with a focus on compassion, dignity, and care for the most vulnerable. Newsom said he and the First Partner joined others around the world in celebrating the milestone and were encouraged by the pope’s first message.
“In his first address, he reminded us that God loves each and every person,” said Newsom. “We trust that he will shepherd us through the best of the Church’s teachings: to respect human dignity, care for the poor, and wish for the common good of us all.”
Newsom also expressed hope that the pontiff’s leadership would serve as a unifying force in a time of global instability.
“May he remind us that our better angels are not far away — they’re always within us, waiting to be heard,” he said.
Pelosi, a devout Catholic, also welcomed the pope’s election and noted his symbolic connection to earlier church leaders who championed workers’ rights and social equality.
“It is heartening that His Holiness continued the blessing that Pope Francis gave on Easter Sunday: ‘God loves everyone. Evil will not prevail,’” said Pelosi.
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