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The Student Finance Guide for Freshers

Fri 18 September 2020 - 15:37

By money.co.uk in Money

If you are heading to university this autumn, life is about to get interesting! We look at how to make sure you can afford to have fun rather than worrying about the pennies.

Whether you will be living away from your parents for the first time or studying from home, once you start university you will have far more financial independence than ever before.

You will also be offered a bewildering array of accounts, cards and other finance options.
Financial products might sound a little dull, but the freedom they can give you if you choose wisely can be the difference between affording to do what you want and missing out on fun...

Student finance + saving tips

Thu 21 March 2019 - 15:06

By Charlotte Stevenson in Money

One of the things I have always found most stressful throughout my life is the idea of student finance. Mainly because I am terrible at keeping up to date on what is going in and out of my bank account, so getting into the habit of this has been really important in order to make sure things are paid on time and everything is in order. Once you do get into the habit of organising things and keeping track of where you are at with everything, it gets much easier to deal with your income, what you can spend and when, without needing to worry too much. Worrying should be confined to the minimum so that you don't surpass your stress levels too soon and burn out before exams/deadlines, so it is important to keep those levels low with as much organisation as you can.
 


With this in...

Top ten student money tips

Tue 19 May 2020 - 14:40

By money.co.uk in Money

Getting a degree is expensive, but making every penny count lets you squeeze every drop of fun from your uni days without getting saddled with debt. Here are the top ten essential money tips for students.

1. Work out a budget
It is hard to set a precise weekly budget before you get to university and see what things really cost. However, trying to work out an outline budget before you go is still a good idea – even a rough idea of how much money you will have available each week will help you to avoid blowing your budget early.

The simplest way to do this is to make one list of all your monthly income (e.g. from loans, part-time work...

How to cut the cost of bills and insurance at uni

Mon 28 January 2019 - 14:55

By money.co.uk in Money

If you can cut the cost of the dull things in life, you’ll have more money to spend on exciting things.

It’s worth spending a few minutes shopping around for cheaper utilities and insurance if it will save you enough for a night out. Here’s how:

Paying bills
Halls of residence and some student houses include most of your bills in your rent, but if you live in private accommodation that you share with others you will need to share the bills too.

To make it fair you could use a service like Split the Bills. Everyone in...

Cure the debt hangover from your student days

Wed 7 November 2018 - 16:31

By money.co.uk in Money

As the heady days of student life become consigned to the realm of nostalgia, it’s time to pick up the tab.
 
Reality might begin to bite when you find yourself landed in thousands of pounds worth of debt, money flowing out of your account that you cannot keep track of, and a credit history tarred from years of abusing credit.
 
However, there are some quick and easy steps you can take to get your finances back on track.

Clean up your overdraft act
While your overdraft may have seemed like your best friend during your student days, now you are no longer studying it is likely to be more of a curse, particularly if it has...

How to afford to send your child to university

Thu 21 March 2019 - 15:49

By money.co.uk in Money

If your child is hoping to go to university in the next few years, chances are you’re more than a little concerned by the recent jump in tuition fees. Here is what you can do to prepare your finances (and theirs) for university life.

Going to university can be an essential step onto the career ladder, but with tuition fees up to £9,000 a year, getting a degree has never been less affordable.

If you or your children are planning to go to university in the not too distant future, it is essential that you consider how you will cover the cost sooner rather than later.

Fees
Students who started their education from 2012 onwards fall into the higher fee threshold, where universities can charge anywhere up to £9,000 a year in fees alone.

However, not all course...

How to pick a bank account for uni

Thu 10 January 2019 - 16:41

By money.co.uk in Money

Banks want you as a customer so will try to tempt you with gimmicks like gift certificates and freebies, but other features could save you money and help you stay on top of your finances.

Student accounts work like normal bank accounts but they come with extra features, and you can only open them if you are in higher education.

Here’s what to look for:

Look for the best overdraft

Overdrafts let you keep spending after the balance in your account hits zero. Your account will then show a negative balance, so if you withdrew £30 with just £5 left in your account, your new balance would...

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