Spending money on social activities can be overwhelming when everyday life feels unaffordable or you’re trying to save up for something special. Here are some ideas to help you live your life to the fullest without breaking the bank.

Be the person who plans
Most social groups have people who are more active in creating plans for getting together. They come up with ideas, make reservations and calculate costs. If you step up in this capacity, you’ll have more opportunity to influence the final decisions. Next time you’re setting a date, suggest some options that are more affordable for you, like an outdoor picnic. Then step up when it comes to deciding on logistics like which park or backyard you’ll meet at.

Be honest with your friends
If you find you’re spending too much money going out with friends, tell them you need to mix up activities in order to save some cash. Chances are your friends are in a similar situation and will appreciate someone suggesting more affordable hang outs. And even if somehow they’re not, they won’t want you hurting your own stability just to get together. While talking about money can be intimidating, it’s worth discussing where you’re at with your friend group so you can stop worrying.

Take advantage of rewards
Redeeming rewards points can make lots of things more affordable and accessible. But not all points programs are created to be equal; be sure to choose one that makes the most of your spending by giving major points on everyday purchases like dining, gas, groceries and transit. The BMO eclipse Visa Infinite card for instance lets you earn five times the amount of points on purchases and even provides priority access to special events like complimentary winery tastings and advanced film festival tickets.