If youre worried about cooling costs (ordont have air conditioning), dont sweat it.

Because we found plenty of ways to stay cool without spending your hard-earned cash.

You brew coffee at home, you dont walk into Target and you refuse to order avocado toast.

A construction worker lays in a wading pool in a backyard.

Grabcheap movie ticketsand discounted snacks with our guide to scoring more than a good seat at the theater.

(Can you sense my millennial sarcasm there?)

Extreme heat is an extended period of temperatures above 90 degrees.

Learn to recognize the following symptoms of heat-related illness such as heat stroke or heat exhaustion.

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If you feel sick or suspect heat illness, seek medical attention immediately.

Find shade and stay cool until help arrives.

If you oughta wrangle your budget, it may be time to consider a savings challenge.

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Most cooling centers also welcome pets.

Housesit During Hot Weather

Reluctant to turn up the AC at your place?

Turn someone elses house into your own personal oasis instead.

Housesittingis a great way to generate a little extra income while staying cool this summer.

Score bonus points for finding all sorts of free stuff to check out, fromboard games to sewing patterns.

Its also smart to avoid high-intensity activity, especially outdoors, and to wear loose, lightweight clothing.

And remember, if your house feels hot to you, its probably worse for your pets.

ensure they have plenty of water and shade, and access to a cool indoor space if possible.

Is Your Bank Holding You Back?

Got $1,000 in checking?

Thesesmart movescould help you reach your next big savings goal.

How to Beat the Heat at Home

Want to have the heat beat this summer?

A well-insulated home withweather stripping on doors and windowsmakes the most of the energy dollars youre already spending.

Remember to keep drapes and blinds closed and consider adding heat reflectors on windows.

And dont rely too heavily on fans as a primary cooling method.

Fans increase airflow, but they dont significantly reduce temperatures.

Kaz Weida is a senior staff writer at The Penny Hoarder covering saving money and budgeting.