The Budgeting Spreadsheet and Tips thread
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Original post by furryface12
Budgeting is something a lot of people have never done before uni, and also that a lot of people struggle with. There's different ways of doing it and different levels of detail but any is better than none- you don't want to be living off baked beans for any longer than you have to at the end of term! At the bottom of this post are two downloadable spreadsheets that can be used as a starting point. It's up to you if or how you use them, they could be worth a look for ideas of what you need to be paying for though.
The main thing to remember is to plan ahead. Think about what you need to be spending and what might be happening later in the term- is anyone's birthday coming up? Christmas? Do you have some left over for an emergency? Your loan may seem like a lot but when you start thinking about what you need to buy it's really not! However tempting it may be to spend it all at once, it's rarely going to be a good idea.
After this, think about things that could save you money. Would a bus pass be worth buying, and if you had one would you use it enough to save money? Could you get free prescriptions by filling in a HC1 form? Do you have an NUS or other student card? The Money Saving Expert is a great place to start for things like this, there should be advice at your uni too if you're struggling including hardship funds and low income bursaries.
Have a look round the University life, Money and finance and Food and drink forums to see what other people are doing. There's also Disabled Students, Mature Students and other forums if you have more specific needs. This thread can be used for any questions, tips or general advice you may have, or start a new one. Most of all, good luck!
The main thing to remember is to plan ahead. Think about what you need to be spending and what might be happening later in the term- is anyone's birthday coming up? Christmas? Do you have some left over for an emergency? Your loan may seem like a lot but when you start thinking about what you need to buy it's really not! However tempting it may be to spend it all at once, it's rarely going to be a good idea.
After this, think about things that could save you money. Would a bus pass be worth buying, and if you had one would you use it enough to save money? Could you get free prescriptions by filling in a HC1 form? Do you have an NUS or other student card? The Money Saving Expert is a great place to start for things like this, there should be advice at your uni too if you're struggling including hardship funds and low income bursaries.
Have a look round the University life, Money and finance and Food and drink forums to see what other people are doing. There's also Disabled Students, Mature Students and other forums if you have more specific needs. This thread can be used for any questions, tips or general advice you may have, or start a new one. Most of all, good luck!
These spreadsheets are incredible!!! Thanks!!!!!
Original post by Tiger Rag
Thank you for posting this!
Huddle is a good top tip, check it out!!!
Original post by furryface12
Budgeting is something a lot of people have never done before uni, and also that a lot of people struggle with. There's different ways of doing it and different levels of detail but any is better than none- you don't want to be living off baked beans for any longer than you have to at the end of term! At the bottom of this post are two downloadable spreadsheets that can be used as a starting point. It's up to you if or how you use them, they could be worth a look for ideas of what you need to be paying for though.
The main thing to remember is to plan ahead. Think about what you need to be spending and what might be happening later in the term- is anyone's birthday coming up? Christmas? Do you have some left over for an emergency? Your loan may seem like a lot but when you start thinking about what you need to buy it's really not! However tempting it may be to spend it all at once, it's rarely going to be a good idea.
After this, think about things that could save you money. Would a bus pass be worth buying, and if you had one would you use it enough to save money? Could you get free prescriptions by filling in a HC1 form? Do you have an NUS or other student card? The Money Saving Expert is a great place to start for things like this, there should be advice at your uni too if you're struggling including hardship funds and low income bursaries.
Have a look round the University life, Money and finance and Food and drink forums to see what other people are doing. There's also Disabled Students, Mature Students and other forums if you have more specific needs. This thread can be used for any questions, tips or general advice you may have, or start a new one. Most of all, good luck!
The main thing to remember is to plan ahead. Think about what you need to be spending and what might be happening later in the term- is anyone's birthday coming up? Christmas? Do you have some left over for an emergency? Your loan may seem like a lot but when you start thinking about what you need to buy it's really not! However tempting it may be to spend it all at once, it's rarely going to be a good idea.
After this, think about things that could save you money. Would a bus pass be worth buying, and if you had one would you use it enough to save money? Could you get free prescriptions by filling in a HC1 form? Do you have an NUS or other student card? The Money Saving Expert is a great place to start for things like this, there should be advice at your uni too if you're struggling including hardship funds and low income bursaries.
Have a look round the University life, Money and finance and Food and drink forums to see what other people are doing. There's also Disabled Students, Mature Students and other forums if you have more specific needs. This thread can be used for any questions, tips or general advice you may have, or start a new one. Most of all, good luck!
super helpful thanks!
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