Lets keep it easy as summer is here.
Baby tightwads: Go buy some Christmas gifts. Now. On clearance.
Medium tightwads: Buy some Christmas gifts, but make sure they are extremely practical. Like, go shopping shopping for school clothes for your kids. Now is a grand time to buy clearance for winter clothes. Also, shop at some garage sales for these items.
Big kid tightwads: Do the above AND start planning you canning/harvesting strategy. Prowl the garage sales for old jars and such. Get a few buddies and make a canning group. Call your neighbors and talk to them about any excess fruit or veggies they have. Now is the time to call dibs!
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