Saving money?

Hey guys,

How are you?

When it comes to keeping it cheap at university, every little helps (copy right, sorry Tesco). I receive the minimum loan from student finance, and with my parents helping/my part-time job I wouldn’t be able to live away from home when it comes to uni. So as the old saying goes, pennies really do make pounds and small changes could save you a fortune. So, EHU/Ormskirk, how can you help?

Books? Yes books. Books will become a huge part of your life, so how can you save money on them? Well first point of call before spending hundreds of pounds on books, is your EHU library! The library is home to thousands of books so don’t miss out on them. Ormskirk also has its own personal library, so fear not if EHU doesn’t have it, but I highly doubt that! Charity shops are also home to unwanted books and on the odd occasion (or two) I’ve actually found the book I needed for at a bargain.

Shopping? When it comes to buying clothes or food you many find that local brands are cheaper than big money making shops. You’ll get used to deals and the average price for certain items, so shopping around may b an option.

Going out? Selected nights hold different prices and entertainment so make sure you explore around Ormskirk! You’ve got to go to the horseshoe, cheapest drinks around and you’ll have the best nights there. EHU also provides ‘drink crashes’ in the SU where selected drinks plummet to seriously good prices.

Remember small things allow you to save loads of money!

Until next time…

Money Money Money

Sorry for the Mamma Mia title there, it’s clearly on the mind…
I feel that one of the biggest worries when coming to university is, how the hell am I going to afford this?! And you’re right, it’s a huge investment you’re making and a huge amount of debt to be getting into that sometimes it can seem a little overwhelming. But here I have compiled a little list of things to think about before coming to university to show how you can earn, save or raise your university funds…

Scholarships
Hopefully your sixth form and college has talked about this with you already, but just incase they haven’t I thought it would be worth a little mention. Edge Hill University offers a range of scholarships to reward excellence in prospective students. Excellence Scholarships and Sports Scholarships have an application process while the High Achievers Scholarship and Liverpool Scholarship are awarded automatically to eligible prospective students. This is definitely something worth looking into as you could be entitled to a little bonus you didn’t even know about that will help you pay for things throughout your university experience, for more info check out this link Here.

Jobs
I’ve done a whole post on finding jobs at university so I will link that here.
But I’d also suggest trying to get a job during the summer break before coming to save up a little bit. I did this and I found it a huge help to have a little savings that I could dip into when I really needed a night out or some retail therapy.

Saving
There are loads of ways to save money at university but one of the best ways I have found is saving on the food bill! This can be done in so many ways but the best way I have found is to shop at Aldi and do a food shop with your flat mates. Even if just two or three of you do it together every week you’ll find you save so much and bonus: you don’t have to cook every night!

I’ve also written a whole post about what I’m not worried about student debt and neither should you read that here.

5 things I’ve learnt about saving money at Uni…

1. Get all the discounts you can!
NUS cards are so good when it comes to saving money at university, whether it’s for 10% off in Topshop or a discount on dinners out, it all adds up. You can pick up an NUS Extra card from www.nus.org.uk for £12, honestly you won’t regret it!

2. 16-25 Rail Card
For me this has been a total life saver, it costs £30 a year but the money it could save you in the long term is phenomenal! On average, if I booked a ticket home to the south coast, on the day it would cost me around £120, however if I book in advance via the trainline and use my rail card, I’ve got it as cheap as £20 before! Knowing things like this could save you so much money.

3. Save the change
This is a really awesome system started up by Lloyds bank, but so many do it now. It works like this: Every time you spend with your Lloyds Bank Visa debit card, the amount will be rounded up to the nearest pound and transferred to the Lloyds Bank savings account of your choice. It’s such an easy way to save money and you don’t even realise you’re doing it!

4. Where to shop?
Aldi and Iceland are your best friend! Now I’ll be real with you, I was a little bit of a supermarket snob when I first got to uni but as the budget got smaller and smaller I started having to shop cheaper so I hit up Aldi. Honestly I’ve never looked back, the quality of the food is so good and it’s so much cheaper. Also Bodycare is amazing for cheap shampoo and conditioner.

5. The Jar
After a night out, if I have any change left over in my purse I put it in a jar that can’t be opened without being smashed. It’s really simple but I’ve managed to save quite a bit without realising!

A Hard Days Work

This year I’ve been very lucky in that I haven’t needed to work, but next year, as I will be living in Liverpool, I’ll need to get a job to support myself.

Getting a job is really difficult; there’s so many people looking and so few places hiring that the whole process can seem quite demoralising. When I dropped out of my first university it took me three months of handing out CVs and applying for jobs online before my persistence paid off, and there were quite a few times when I thought that I’d never get a job. In the end I received a phone call from a place that I’d handed my CV in to a month earlier, and after the interview that they offered me went really well they offered me full time work.

I soon found out that all my co-workers were mad.
I soon found out that all my co-workers were mad.

I think that one of the most important things to consider when applying for jobs is the strength of your CV. With so few jobs and so many applicants it’s key to ensure that if you’re CV is stacked with lots of others it stands out, and in a good way; it’s all too easy for a potential employer to start by discarding CVs with messy layouts and typos.

While I’m applying for jobs I’m being really careful to save money and have been finding ways to earn a little extra on the side. Today I helped out in my mum’s office. It was nice to be working and earning a little, but eight hours of typing up addresses and stuffing envelopes made me miss the stack of coursework that I have waiting at home.

My 'shiny clothes budget' is suffering the most. MUST. STAY. STRONG.
My ‘shiny clothes budget’ is suffering the most. MUST. STAY. STRONG.