Student Thrift Tips

...to save more after my student days, since moving out that's when money becomes tighter. Student life is fun, and all students have to scrape by and will learn how to live off little to no money, however it can be done. Budget your money, it is so easy to get into debt, and you will be paying it off for years after if you are wise with your money you should be able to avoid getting yourself into huge amounts of debt. Work out how much money you have ...
...When you are a student you can have long lay ins - this is a good way to save money, you can't waste money while you sleep. Sleeping is free! '''Here are a few pointers to try and help you a long the way: Saving money tips''' Walk - Try to walk as much as you can, this will save you a lot of money and you will be getting exercise at the same time. If you need to travel a lot and have far to go then look into travel cards and see what is the best ...

Autarkis 16.12.2008 (20.02.2009) · Read full review
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Review of Student Thrift Tips

...thing or two about thrifty student living over the years! I am writing this review to share some of this advice; it is aimed at those who are students now, will be students soon, or who have children who are/will be students, partly because this is where my experience lies and partly because the location of this category implies that the "thrift tips" are for those of a scholarly disposition. I hope that they are of use to someone out there. Alas, ...
...annual money then available per student (around £500 as I recall), this is a big reason why I was able to avoid the debt trap. I would strongly advise students to seek out even the smallest amount of money they may be able to apply for, as it does make a difference in the long run. These monies can vary hugely; grants may be available to help cover course fees, travelling expenses incurred during your course, or maintenance costs and living expenses, ...

Collingwood21 26.01.2007 (27.01.2007) · Read full review
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Review of Student Thrift Tips

...sure you set up a student bank account. You're only allowed one special student package, so look around for what you think is best. Try not to be swayed by freebies (like personal CD players, cash (£40-50) or student travel cards that some offer) but look for low/no fees, free overdraft limits, low rates of interest on higher overdraft, etc. Don't forget to make sure you can use cashpoints near your university/halls too - if you go on open days, ...
...If not, there are special student packages available - I'm with Endsleigh (who are NUS endorsed) and cover starts from £18/year, but PCs, mobile phones, cars etc are expensive extras. Going to University. Consider what you actually need to take. As I said, things like cars and mobile phones can be very expensive luxuries. Most students have mobiles, but try not to use them much - remember you can send SMS messages from a PC! Obviously you'll need ...

a-true-ben 23.08.2001 (27.08.2006) · Read full review
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Review of Student Thrift Tips

...you. Whether you are a student or not, give them a go. I bear no responsibility if they fail! This opinion is ever so slightly tongue in cheek, so don't take my suggestions the wrong way. ~~~~~~~~~~~ "I'M FIFTEEN, HONEST!" ~~~~~~ Now I'm quite small, and have been told I have "one of those faces which can be either young or old". So what do I do but take advantage of this fact? Let's face it, I will not be able to get away with paying child fares ...
...tries, and she's 25- she will kill me for saying that!) so I may as well make the most of it. You have to be careful trying to get away with being 15. I have a hair scrunchie that looks like a big zebra which I tend to wear when I am paying child. Or else I play all the tunes on my mobile phone. Or talk as though I am really thick (don't have to try too hard at that). Don't forget to memorise an appropriate date of birth (currently you need to have ...

MissDirect 23.03.2002 · Read full review
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Review of Student Thrift Tips

...year I opened as many student bank accounts as I could, with the sole purpose of making money. I did not ask for credit cards or overdrafts with most of them and so they were happy enough to take me on board. Doing this earned me over £180 in cash (and some vouchers too), and most importantly did not upset my credit rating. Now I have one main current account into which my salary and student loan are paid. This comes with an interest and fee free ...
...desperately need it. STUDENT LOANS Not all that much, and a pain since they’re not grants so you will have to pay them back, I still have one even though I don’t *need* one. Mine is invested (what can I say – I like it when my money makes money) which is a good idea if you have enough money to live off any way – it’s cheap enough to borrow (current rate approx 2% ) so any account paying 4%+ means you’re on your ...

zoe_page 13.09.2002 · Read full review
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Review of Student Thrift Tips

...Daddy, what should the typical student be looking for in his or her finances? Well, firstly, the best route to success is common sense. With banks falling over themselves to give away interest free overdrafts of up to £2,000, there is a temptation to blow the lot straight away. But this money has to last you 3 or 4 years, so discipline is essential. Secondly, which student bank account are you to open? Well, this depends very much on what you need ...
...but rarely offer a specific student package. If you are earning less than £4,600 a year from part time work, ask to sign an Inland Revenue R85 form for each an every account you have. This will ensure you pay no tax on your interest. How much interest free overdraft can you have and when can you have it? As I hinted at earlier, you need to stretch your overdraft through the term of your course. So perhaps no more than £750 in year one is a good thing. ...

daveops 11.03.2003 · Read full review
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...Barclays and it is a Student account which offers free overdraft up to £1,750. Now just because I have this facility doesn’t mean that I should abuse it. It is not a good idea at all to think this way. Think of getting an overdraft as a last resort. *~ I have a second account with HSBC as its cashpoint is in a good location near where I live. Also I put my Ciao, birthday, and any other bonus money in this account. This means that any money ...
...loan money left in your student account it’s advisable to transfer it into an account which gives higher interest. *~ Last year I cut my Barclaycard as I got carried away spending. It’s too easy to accumulate debts, but I stopped it in time. Don’t get a credit card at all. A debit card is a much better option where you don’t have to carry around large amounts of cash. I only use my debit card to get money out of cashpoints ...

chocoholic 04.09.2001 (07.09.2001) · Read full review
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Review of Student Thrift Tips

...need to apply for a student loan which was quite a boost. I completed my first year successfully and was looking forward to my second year. September came and I started my second year of my course. I had to give up my job as it was conflicting with my studies. I applied for a student loan to cover my costs of going to university, buying of textbooks, food etc. As my second year progressed I was running up a lot of debt and this started affecting ...
...My financial problems continued thorough to end of the second semester where due to myself having sleepless nights, always tensed I failed one of my exams. Although, I was allowed to re-sit that particular exam in August, I could not bring myself to concentrate and subsequently I failed. Although I had only failed one exam out of the eleven exams I must have taken in that year I was not allowed to progress to what would have been my final year. This ...

Suhail 24.08.2002 · Read full review
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We all know the stereotype of students living on beans, but they really are cheap and good for you! Here are some of my favourite things to do with beans. You needa few things to get you started, herbs, spices etc. but these usually last ages -persuade your mum to buy thenm for you at the start of term! If you've got your own ideas, let me know!! ps. If you're one of those picky people who only likes expensive beans, try adding a bit of tomato puree ...
...Baked Bean Curry Fry off some onion and garlic (garlic puree is really easy to use and keeps for ages)with a bit of curry powder. Add your beand and cook until it's thicka nd stodgy. Serve with pitta bread or whatever you've got. 2. Baked Bean Chilli As above, but add dried or fresh chilli instead of curry powder, then add a tin of kidney beans. 3. Bean and cheese potato bake More interesting than a baked potato! cook the potato first (leave ...

Nomes 22.04.2003 · Read full review
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...the grant system, this would be beneficial to most students. Financial problems should not have to be a consistent worry. Passing your exams should be your number one priority, not money problems. Student loans appear to be inadequate, most students take out an over draft on top of their loans. ...

saimalaw 12.09.2002 · Read full review
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Review of Student Thrift Tips