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TOPIC: Student Money Saving Tips
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Student Money Saving Tips 5 Months ago  
Sometimes, being a student can prove to be a hard life. After years of loving mummy cooking, cleaning and getting in the food, you're out for yourself. This is why understanding the value of money is so important, and value is an important lesson to learn as a student. Anyway, here are some of our selected best tips for student money saving.

The number one money saving tip is to only spend what you can afford. That means be careful with loans, overdrafts and borrowed money. Remember, borrowed money is owed money. What they say about money trees is true, unfortunately. And the more you borrow, the more you'll have to pay back with interest. Curb your spending and save on the interest you would pay - get paid not to spend! Now let's get into some specific money saving advice

Food

  • Share food costs with flatmates. Buying in bulk is cheaper.

  • Don't food shop on an empty stomach.

  • Try a cooking rota with your flatmates. You all get variety and spend less time cooking! Plus you know exactly what you need, what to cook and how to cook it.

  • Freeze food – frozen food is cheaper, means you can buy bargains to eat weeks later and your food obviously lasts much longer.

  • Grow your own veg. Get a grow back and watch the magic unfold.

  • Resist a greasy kebab after a night out, have something tasty ready back home before you go out.

Transport

  • Young Persons Railcard for £24 a year. Saves you a massive 1/3 on all rail journeys in the UK. (Top Tip: You can get one free with a NatWest Student bank account)

  • Book tickets in advance. It may also be cheaper to split a journey than buy one ticket, especially if you get your first train during peak times.

  • Get a bike. Once you've got it, it's free (and often quicker) to get around. Considering people pay £30 a month to go on cycle machines at the gym, and they ain't goin' nowhere!

  • Get a weekly bus pass if you use it more than twice a day.

  • Oh, and you don't need a car at uni. Do you?

Course
  • Use the library more. Make use of the reservation system so you don't end up having to buy an in-demand course book. If you do buy one, split the cost with course mates and share it.

Shopping
  • Shop online and compare prices before you buy.

  • Use Quidco and get cash-back when buying online! Big savings especially on insurance and other finance.

  • Buy clothes from vintage and second-hand stores at the Northern Quarter (Manchester) or charity shops.

  • Always ask for a student discount.

  • Buy from other students on the market place!

Health
  • Quit the gym subscription. Go jogging, swimming or cycling with friends. Join an outdoors society.

Going out
  • Beat the touts on sold-out gigs, use Scarlet Mist to buy spare tickets at cost “ethically”.

  • Orange 2 for 1 Wednesday cinema tickets. Get an Orange sim-card and switch it when you go to qualify without a contract! Smuggle in your own food and drinks too.

Hard Cash
  • Put all spare change in a jar. It adds up fast. When it's full take it to the bank and exchange for some crisp paper.

  • Don't use ATMs that charge you. You could be charged £2 for taking out a tenner. There is always a message shown if they do charge.

Even more student money saving
  • Don't get Sky, or even a TV. In the last year the major TV companies have most programmes available to watch online, for free.

  • Stop calling home, use Skype or e-mail for free.

  • Get OpenOffice for free to save on Microsoft's expensive Office package. I think it actually works even better.

  • Turn off lights, unplug phone chargers, turn off the TV.

  • Pass on gifts you don't want or use

  • Slice the bottom of toothpaste tubes to get that extra use out of it


Newspapers

Some of the broadsheet newspapers offer a significant discount off of their weekday issues for students. Like with the banks and their bait, these offers are also to hook students using the powerful tool of loyalty. Regardless, this is great for the money saving news weary student! If you're not a big reader anyway, and you may not have the time to read more than a few articles, remember you can get every news story on the web for free. Google News fetches headlines and stories from news websites across the world.

Please add your own money saving tips for other students! We're all in the same boat, as it were
fred (Admin)
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Last Edit: 2008/08/05 08:05 By fred.
 
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