Summer holidays are often a financial pinch point for families, but households may find that forming new habits now could make their budgets go further in the warmer months of the year, according to a finance expert.

With concerns about the costs of many household bills rising, and the impact of the conflict in the Middle East on prices, some people may find they have a smaller pot of cash left over for discretionary spending than they were hoping for.

Chris Henderson, save and pay director at Tesco Bank , said: “As we look ahead to summer, many will be thinking about their social calendar and going on holiday.

“Sustaining an active social life can come with a cost, but it can be achieved with some healthy spending, budgeting and saving habits. Taking small steps now can make a world of difference and ensure you’re in a good financial position to enjoy the summer.”

Here are some suggestions from Mr Henderson for stretching summer budgets further:

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