![]() Get tips on how to budget if your income goes up and down. We also have our own budget calculator to help you with drawing up your budget following the steps below!īudgeting can be harder if you or the person you live with has an income that varies - for example, on a zero-hours contract, are self-employed or on certain benefits. You can create a budget using pen and paper, a spreadsheet or with the help of an online budget planner. Plan for big expenses such as Christmas, holidays and annual bills.Live within your means - you can adjust your spending when necessary.Spot overspending or when you’re paying for things you no longer need or use.Our friendly Financial Wellbeing Consultants also frequently visit local stations up and down the UK so take advantage and speak to them! We have provided some resources at the end of this article which we believe could be helpful. Please remember, if you are struggling with debt then no matter how big you feel the problem is there is help at hand. To help, we think the below guide on budgeting could be a great way to start when trying to stay on top of your finances.īy keeping track of how much money you have coming in (your income) and how much money you have going out (your spending) you can get a clear picture of your finances and take control of your money. It’s estimated that around 34% of Police Officers and Staff in the UK have below average levels of financial awareness*. If you’re not sure where to start don’t worry, we have some helpful information on budgeting right here for you! If you are experiencing financial hardship you may be eligible to apply for a grant from the Newman University Support Fund.Are you struggling to manage your money? Do you wonder where it all goes each month? Then having a budget could help. You can discuss your finances with our Welfare Adviser, email to book an appointment. If you get into financial difficulty, it’s important to ask fort help.Save money by bringing your own lunch to campus, you could also buy a flask and bring your own drinks!. ![]() Make the most of travel discounts such as a Student bus pass and the 16-25 railcard.Learn to cook some cheap, easy meals at home, check out some simple recipes on cooking on a bootstrap, the student food project and student eats.But, if you’re flexible on brands and flavours, you could bag fresh produce that’s still perfectly fine to eat, just a lot cheaper. After about 6pm, most supermarkets start heavily reducing prices on items they need to shift by the end of the day. And get the Olio app to look out for free food Also try ‘ downsizing’ to supermarket own brands. Use Save the Student’s tips to save money on your food shopping. ![]() If you get a job, we recommend working no more than 16 hours per week. Consider working part-time, many students rely on part-time jobs to cover monthly bills and to pay for nights out and socialising.Get the right bank account, Save the Student have reviewed the best student bank accounts. ![]() Make sure you log in every few days to check your account.
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