Trees are going bald, temperature is rising, wind is as dry as a bone, and rivers are drying up. The day is not far when a stream of sweat will trickle down through your cheeks and forehead, sapping all of your energy.

When the weather is hot and humid, you stumble into being prodigal in order to beat the heat that involves the change in many habits from changing your eating and drinking habits to turning on air conditioners, which more often than not results in money down the drain. You take out instant payday loans from direct lenders to cope up with an additional financial burden, but in hindsight you realise it would have been better to find frugal ways to stay as cool as a cucumber.

Here are some useful tips to beat the scorching hot this year without compromising with your budget.

Choose cotton

Stay a mile away from silk and polyester to keep your body cool and relaxing and replace your wardrobe with cotton clothes. Switch to light-coloured bed lines to make your nights cooler. Let your skin breath. Wear light colours throughout the day and put on a sunscreen lotion to keep rashes, allergic reactions, acne, and irritation at bay.

Eat wisely

Skin is the largest organ of your body that reflects the true status of your health. Whatever you eat and drink will have a direct impact on your skin. Do not eat spicy and oily food because they take a huge amount of your energy to digest, one of the reasons you feel enervated. Eat light food and drink water to stay hydrated.

According to a survey carried out by the Royal National Lifeboat Institution (RNLI), 89% of the population does not drink enough water to maintain hydration level and most of them end up with hospitalisation. Focus on your eating and drinking habits if you do not want to ruin your finances.

Keep the curtains down

Keep the curtains and blinds down when you are not at home, as this keeps sunlight from warming your house. Air conditioners can have you with a large amount of electricity bill, which means dipping into savings or taking out a loan when you do not have enough savings.

The best way to avoid being surprised by huge bills is to sit under fans. They are most effective to keep you cool provided they are fixed in the right position. Opening the window during daylight can make your house atrociously hotter. Wait unless the nightfall instead when the temperature drops down. It will keep your house ventilated as well as cool.

Replace your light bulbs and use box fans

Incandescent light bulbs emit more energy and heat, so in the summer you should replace them with fluorescent light bulbs. Do not let lights turn on for no reason.

If you feel that your room fans are just spinning, buy two box fans and position them at your window so that one throws warm air out and the other gets cool air in. Of course, this method is effective only when outside is cooler than inside.

DIY air conditioners

If you cannot afford AC bills for any reason such as you are a low-paid worker or you have been handling multiple debt payments for which you have to cut back on your expenses etc, DIY air conditioners will help you. All you need is a portable fan and a bowl or rotating pan of ice cubes. The warm breeze will give off cooling mists as it comes to the contact of melted ice.

Take a shower before going to bed

A cool shower is a great way to keep your body cool during the hot weather. Towel off unless the excess water dries out and wear loose clothes before hitting the hay.

Now that you have got to know how to keep large electricity and medical bills at bay, but the list of expenses does not end here. You may need funds for endless reasons like your income is less than £30,000, you are separated or divorced, you have only one source of income to make your ends meet etc.

Among all short-term loans, payday loans are sought after because you get funds as quickly as possible. However, these loans come with very short duration like 14 days and carry high interest rates. As you receive your next pay cheque, the amount is deducted directly from your account.

Since these loans are very expensive, you should consider alternatives to other loans:

1. Financial help from your friends and family
2. Savings account
3. Credit cards
4. Bank overdrafts
5. Cash advance

How to prepare for financial emergencies

Financial emergencies never inform you of their arrival, but you can brace yourself for them. You should have enough money to meet all your regular expenses after setting aside at least 10 or 20% of your monthly income as emergency cushion.

The idea to build emergency funds is not to rush into taking out payday loans when you stumble upon an unexpected expense. You should rely on cash for your expenses. It is better if you avoid using credit cards as much as possible. Pay off your debts and utility expenses on time so that your score does not go down.

When you apply for an instant payday loan, you should choose the reliable lender who provides you with the best deal.