The Student Room Group

How do uni students live off so little

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Original post by Tyrion_Lannister
Work a part time job for it.


Yes, but I think he's said he doesn't want a part time job. It's the obvious solution, but if he won't then the overdraft is the only other option.
Check that the OP isn't entitled to a Maintenance Grant (free money up to £3000 but means-assessed). This grant will often be topped up by the university. For example, some universities offer up to £1000 for people who get the government grant.
Do any of you guys think 13k will cover a 6 year degree? :redface: or perhaps 5..
My friend's maintenance loan is £3500(ish) for the year and her halls alone are costing £5500. Doesn't take a genius to work out she's in a dire financial position! Luckily, her overdraft has saved her and when she moves into a cheaper student flat next year, she can use some of next year's maintenance loan to pay off her overdraft, she'll eventually get herself up to £0 but it's better than being in negative figures! She has been able to live off £10 a week for food but she's managing and she says it's taught her a lot :smile:
Original post by maskofsanity
Excluding rent/bills? Yes, but unless you work it will still be tight as that's only about £40/week.


Hmm alright thanks. I will still be working throughout uni and as they want to keep me on.
Original post by maskofsanity
Ok, keep ignoring the points and repeating your incorrect opinion which shows your lack of creative flexibility.

And please show me a shop for £15 that will give someone 2500 calories a day, sufficient protein and carbohydrates, essential fats, and vegetables/fruit for minerals and vitamins.


I've responded to the points. Weekly shop

Fruit for under a fiver if you get it from a market.

That leaves you with £10.
you can get fresh fish from the fishmonger that will last you 4 days for £5
Buy another 2 pieces of fish for about £3 from tesco
Can easily piick up potatoes and root veg to go with it for £2

You can make all your meals from that. Easy. I dunno about meat, I don't eat it, but that's enough.
Original post by maskofsanity
Are you even reading my posts?

a) Not everyone depletes their overdraft and then pays it off in the summer - many use it for short-term cash flow problems during the year.

b) I would work through the summer regardless because I'm not lazy and don't rely on others.


I don't rely on others either I use my student loan. I don't get any maintenance grants
Reply 67
I still live in my family home and commute to uni. It's not like every uni student has to live on campus or in their own place.
Original post by Tyrion_Lannister
I've responded to the points. Weekly shop

Fruit for under a fiver if you get it from a market.

That leaves you with £10.
you can get fresh fish from the fishmonger that will last you 4 days for £5
Buy another 2 pieces of fish for about £3 from tesco
Can easily piick up potatoes and root veg to go with it for £2

You can make all your meals from that. Easy. I dunno about meat, I don't eat it, but that's enough.


:rofl:

-Nowhere near 17,500 calories - that is about 7000 calories at most.
-No fats
-Insufficient protein
-Insufficient carbs
-No breakfast
-No required extras, e.g. coffee
Original post by Tyrion_Lannister
I don't rely on others either I use my student loan. I don't get any maintenance grants


I never said otherwise - I was spelling out the issue for you.

And we can therefore conclude that you had less money than me at university as I worked and used overdrafts to my benefit.
Original post by maskofsanity
:rofl:

-Nowhere near 17,500 calories - that is about 7000 calories at most.
-No fats
-Insufficient protein
-Insufficient carbs
-No breakfast
-No required extras, e.g. coffee


No it isn't. It includes breakfast, you can have a banana or piece of fruit, and there's plenty of protein, a piece of meat/fish a day.

Also buy a multivitain, forgot to include that, just to make sure. Unless you're a massive fatty, thats enough.
(edited 10 years ago)
Original post by maskofsanity
I never said otherwise - I was spelling out the issue for you.

And we can therefore conclude that you had less money than me at university as I worked and used overdrafts to my benefit.


And guess what, I still have lots. The only reason anyone would need an overdraft is if they are pissing their money up the wall (or they have VERY unfortunate circumstances, but we're talking averages here aren't we)
Original post by wartortle
guerilla warfare on budgets


your name couldn't be anymore relevant.
Original post by Tyrion_Lannister
No it isn't. It includes breakfast, you can have a banana or piece of fruit, and there's plenty of protein, a piece of meat/fish a day.

Also buy a multivitain, forgot to include that, just to make sure. Unless you're a massive fatty, thats enough


I am objectively telling you that it's not 17,500 calories. Do you have a calculator nearby? Use it.

If you think a piece of fruit is a sufficient breakfast then there is really no point continuing this conversation as you have no idea about diet or calorie intake.
Original post by MalteseMalteser
I'm having to live off less than £1000 after accommodation costs for this year (and before anyone says "bank of mum and dad", my parents aren't really like that. They'll give me money here or there but nothing to the full extent of making up the £1000 mark).

The thing I've found is that if I go out once every week and take £15 a week (taxi there and back, drinks etc.) then that's £150 gone already for socialising once every term. To me that's ridiculous. So instead I go out once every few weeks, depending on my mood. I've learned to live off of Sainsburys basics or just anything cheap and if you can stay away from meat like beef, chicken (at a push), lamb etc. and use more bacon and ham then it can save you money. Budget your shopping to about £20 a week if you can, and if you can work over the summer and during uni breaks to help this then do it.

Overall, after my first term I still had £179 left in my student bank account and had limited spending in my other bank account to just about £450. Sure you have to scrimp and scrape a bit, and you might have to give up socialising for a few weeks, but living on less than £1000 a year after accommodation fees is definitely doable without going into any overdraft.


This is great to hear :smile:.

I think it's a bit of a culture shock when you first start spending so little, but it's absolutely possible to survive.

--

Ask for useful things for birthdays/Christmas. Travel vouchers, vouchers for your favourite clothing store, ask for some alcohol so that you can pre drink, or supermarket vouchers!

There are lots of options, but it is absolutely doable!

Other than anything else, it's good practice. When you leave uni and have to pay rent/bills/food/council tax etc without getting a loan, you may well find that you have a similar amount to spend. When you leave education you realise just how easy it was, and how well off you were in comparison to adult life most of the time!
Original post by maskofsanity
I am objectively telling you that it's not 17,500 calories. Do you have a calculator nearby? Use it.

If you think a piece of fruit is a sufficient breakfast then there is really no point continuing this conversation as you have no idea about diet or calorie intake.


Considering I eat more than 1,000 calories a day, I'm telling you it's more than 7,000.

Wtf, yes it is. And I do actually, I post in the fitness section fairly regularly. What exactly do you eat for breakfast? Are you overweight?
Original post by maskofsanity
That's relative.

And no, people need overdrafts due to financial constraints such as the OP has demonstrated. The most common need for them is cash flow ease when people don't have parents/partners to rely on.


But you can budget within those
Original post by maskofsanity
For the average graduate starting salary, that is not true at all.


I said "you may well find". I'm not talking about an average graduate on a graduate starting salary. Many don't find graduate jobs and end up on minimum wage, if they're lucky.
Take shed loads of stuff before you go - Personally I'm taking lots and lots of dried foods, foods in tins and jars, toiletries etc.. Literally take everything you'll need for a few months (other than fresh food obviously) so you don't have anything to buy
I've been living by myself for 3 or so years now, so it's easy for me to budget... I'm looking forward to not having to pay stuff like £85 a month Council Tax and remembering to pay my water bill etc
I personally think being a student will be SO much easier!

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Original post by maskofsanity
Yes, but most don't, hence the average so chances are you won't find that your student budget is more financially viable than your working one, which makes your post a little redundant.


I didn't say "every single person will be better off". However there's a lot to be said for the stress free concept of living in halls with no added charges after rent is paid, especially if it's paid for in advance then you don't have to think about it for the rest of the year. I didn't just mean financially better off, I meant stress as well. Having lots of separate bills to pay can add pressure that students don't understand.

If you think my post is redundant you're free to ignore it :smile:.

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