{"id":116982,"date":"2020-11-25T21:14:34","date_gmt":"2020-11-26T03:14:34","guid":{"rendered":"https:\/\/dev.thefoxmagazine.com\/?p=116982"},"modified":"2021-03-24T16:56:23","modified_gmt":"2021-03-24T21:56:23","slug":"tips-for-budgeting-as-a-student","status":"publish","type":"post","link":"https:\/\/thefoxmagazine.com\/dreaming-bigger\/tips-for-budgeting-as-a-student\/","title":{"rendered":"Tips For Budgeting As A Student"},"content":{"rendered":"

If you\u2019re\u00a0getting ready to go to university<\/a>, it\u2019s likely you\u2019re feeling a huge mix of emotions.<\/h1>\n

Whether you\u2019re excited, apprehensive, or relaxed about your move, there\u2019s one important element to get right \u2013 your finances.<\/p>\n

\"\"<\/p>\n

If you know you need to budget but don\u2019t know where to start when it comes to money management, take a look at our top tips below.<\/h2>\n

Set yourself a budget\u00a0<\/strong><\/p>\n

The key to being financially healthy as a student is to\u00a0set yourself\u00a0a\u00a0strict spending budget<\/a> <\/strong>and stick to\u00a0it. This will stop you splashing\u00a0more\u00a0cash\u00a0than you can afford\u00a0and make sure your money lasts throughout the semester. The last thing you want is to blow it all too soon and be left with no money!<\/p>\n

To work out a budget, view your bank statements<\/a><\/strong> and look at the money you have coming into your account, such as your student loan. Take off any fixed outgoings like rent or phone bills, then divide the remaining amount by the number of weeks you\u2019ll need it for. This will tell you how much you can realistically spend per week and month.<\/p>\n

\"\"<\/p>\n

Get to know your finances\u00a0\u00a0<\/strong><\/p>\n

Your big move to university or college\u00a0may be\u00a0the first time you\u2019ve lived on your own away from home.\u00a0It may be the first time you\u2019ve needed to manage your own money, household bills, rent payments and so on.<\/p>\n

It\u2019s really important to get to know your finances as you gain independence,\u00a0to make sure you don\u2019t come up against any problems with cash flow.\u00a0Take some time to understand your bank account \u2013 do you have an overdraft?\u00a0Are\u00a0there charges if you exceed it?\u00a0How often will you get your student loan? By getting to grips with these things you can be in the best place to manage your money.<\/p>\n

Seek financial support when you need it\u00a0<\/strong><\/p>\n

If you\u2019ve maxed out your overdraft and you\u2019re racking up significant charges because of it, it\u2019s time to act. There are plenty of options out there designed to help you\u00a0when you\u2019re in a tight spot financially. If the bank of mum and dad isn\u2019t an option, there\u2019s financial support such as\u00a0loans for students that are specifically designed\u00a0for emergencies<\/a>.\u00a0<\/strong><\/p>\n

\"\"<\/p>\n

You\u2019ll need to pay the money back and you\u2019ll be charged interest,\u00a0but\u00a0this may be\u00a0less than what you\u2019d pay in penalties for exceeding your overdraft limit. Check this\u00a0and all terms and conditions\u00a0before you make any decisions to\u00a0ensure you\u2019re making the right choice for you.<\/p>\n

By following these top tips, you can\u00a0make steps towards managing your money well and enjoy your time studying!<\/p>\n","protected":false},"excerpt":{"rendered":"

Whether you\u2019re excited, apprehensive, or relaxed about your move, there\u2019s one important element to get right \u2013 your finances.<\/p>\n","protected":false},"author":2,"featured_media":116986,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1134],"tags":[6833,5437,5520,6803,2200,2563,4332,2435,3935,6662,853,6916,113],"class_list":["post-116982","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dreaming-bigger","tag-budgeting","tag-career","tag-college","tag-degree","tag-education","tag-finance","tag-graduation","tag-improvement","tag-knowledge","tag-loan","tag-money","tag-student","tag-tips"],"acf":[],"yoast_head":"\nTips For Budgeting As A Student | The Fox Magazine<\/title>\n<meta name=\"description\" content=\"Whether you\u2019re excited, apprehensive, or relaxed about your move, there\u2019s one important element to get 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