STUDENT LIVING FOR LESS23 Money Saving Tips for your the Student Lifestyle

TAKE AS MUCH AS YOU CAN GET Take the biggest loan offered to, even if you don’t think you need it

RESEARCH WHAT YOU’RE ENTITLED TOOGrants and bursaries etc. Universities ring post this money for people like you, so look for it

GET THE BEST DEALGet a student bank account and make sure you get the right deal for you

WATCH OUT FOR DEALS WITH FREE THINGSYou’ll most likely pay for it else where

DON’T BLOW IT ALL AT ONCE It’s a lot of money, so try not to spend your loan all in the first week, it’s a long time until January

GET A JOB Money, experience and often a great place to meet new people.

MAKE A BUDGET & SAVELike we said it’s a long time until the next loan instalment

USE YOUR STUDENT UNIONMore than cheap drinks, it has advice guidance and cheap stationary

DON’T GO OVER YOUR OVERDRAFT LIMITStay afloat and either make a formal request to adjust it or look to borrow from parents or the university

AVOID CREDIT CARDSIt’s credit that you don’t need right now, and it’ll just depress you

DON’T PAY THE TAX MANStudents don’t pay tax if they earn less than £7,475 a year

And use cash only on nights out. Party Dog agrees!LEAVE THE DEBIT CARDS AT HOME

There are tonnes or legal and free alternativesDON’T PAY FOR SOFTWARE

Is the library a better alternative or a pub library near buy you could hook onto?

DO YOU NEED INTERNET IN YOUR HOUSE?

There are a couple of schemes, which give you grants to study abroad on a student exchange program

STUDY ABROAD

Going back home for the holidays? Booking early will usually get you a significant discount, especially if you have Young Persons Rail Card

BOOK YOUR TRAVEL EARLY

It’s much much cheaper cooking from scratch and there are tonnes of online resources to learn from

LEARN TO COOK

Expensive and horrendously bad for youDITCH THE TAKEAWAYS

Get on eBay and sell your unwanted junk, especially at the end of the year

SELL YOUR JUNK

They are soooo expensive and you can pick them up at a fraction of the cost online or at your Student Union

DON’T BUY BOOKS NEW

You’ll be surprised just how much loo roll a house of four lads goes through. Plus it’s cheaper

BUY THE ESSENTIALS IN BULK

You get free dental care and prescriptions as a student. Take advan-tage now or it may cost a fortune in later life.

GET YO TEETH FIXED

Expensive to run and maintain, parking’s rubbish and you’re mates take the piss.

DO YOU REALLY NEED A CAR?

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