Plan the whole term. Work out when funding arrives and how many weeks it must cover. Reserve rent and bills first.
Compare student bank accounts. Check the approved overdraft, deposit requirements and graduate terms before weighing up perks.
Verify your student discounts. Register with a discount provider and compare the final price before buying.
Check university freebies. Ask about software, library books, equipment loans and careers support.
Audit recurring payments. Note trial renewal dates and cancel subscriptions you do not use.
Save your support contacts. Your university money adviser can help you find grants and hardship support.
02 / FUNDING & SUPPORT
Know where to ask for help
Start with the student finance body for your home nation and your university’s student money team. Where you live, where you study, your course and previous study can affect support.
Living-cost figures by home nation and circumstances, with the page each figure came from, are in the funding guidance pack.
Ask your university about bursaries, scholarships and hardship funds. Confirm eligibility and deadlines directly; support is not guaranteed. If you are struggling to cover essentials, speak to the money team before borrowing more.
03 / EVERYDAY SAVINGS
Get your shared-house budget sorted
List what the rent includes before signing up for anything else.
Agree in writing how you will split energy, water, broadband and household purchases.
Record meter readings and the date you become responsible for the property.
Compare the full contract cost, including setup fees and any minimum term.
Set a monthly reminder to check spending and settle shared costs.
Check council tax treatment directly with your local council; household status matters. Keep an emergency buffer rather than treating an overdraft as extra income.
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