University can be overwhelming for some, especially thinking about how you are possibly going to afford life at University. Whether you are living out at University or staying at home, in this guide I will be sharing how you can manage your money during University.
Budgeting is something that a lot of people have not had to do before University. Even adults in the later years, find it extremely hard to budget, so it is good to learn how to the younger you are, so then you are able to budget whenever you need to. I will give some tips on how you can budget healthy, yes I do not mean living off baked beans and toast every night until your next loan payment that comes in!
You may or may have not of heard of a budget calculator. It is where you write down all of your incomes that you will receive monthly, whether it be the University loan, part-time job or even some money from your parents. You then add the total up of what you have coming into your bank. Now you calculate the money that will be going out of your bank account e.g. rent, food shopping, birthdays. I do recommend doing the budget calculator monthly as your incomes can change as well as your outgoings. For example in December, there is Christmas, so you may want to add up a total you will need to have to buy presents for those you choose for. Above this text, is a budget planner I created, it is just to give you a rough idea of what a basic one would look like.
Now I know this might seem a bit grubby, but as long as you can get your hands on some second-hand books which are still in decent quality you will surely save yourself some money. Have a look on eBay for any used books, or even pop to your local libary and see if you can borrow the book. Brand new text books, can cost a lot, so have a look around to see if you can get any online or second-hand books.
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What is the point in preparing my meals in advance Talia? Prepping your meals in advance will help you save up on cost as well as help control the food your eating. Ever been hungry and pop into a shop to grab a quite bite and then come out with a handful of items… yes, I have and going through it myself I know how easy it is to do. So you can decide what you want to eat on Mondays and Tuesdays etc. Go out when you can and buy the ingredients, whether it be grilled chicken and rice, for lunchtime or oats and yoghurt for a Tuesdays breakfast!
Let’s not forget, controlling what you eat will help you to eat healthier, giving your brain all those positive foods as well as looking and feeling healthier.
Student Beans, Uni Days. Heard of them before? Well these are companies who accept University students to join, allowing them to gain a wide range of companies that offer discounts i.e. Topshop, Adidas. You of course have to provide your university sign in, to prove you are a student. It is cost-free, so why would you not want to get 30% off of your clothing bill!
Companies know that students will have lower disposable income and so a small increase in price can make an item unaffordable, so companies like to help you guys out to make it affordable.
That is all for now, my lovelies! Hope you found this article helpful, for now, take care!