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How to save money at University
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Top money saving tips to help you manage your money at University:
- Get a student loan. The Government-backed Student Loans Company loans offer the cheapest long term debt you'll ever get and should be your first point of call. They give you two loans, one to cover tuition fees and one to cover maintenance (your living allowance). You don’t have to repay anything until after graduation and the amount you have to pay back is linked to how much you earn. Take a look at our Student Loan scheme section for more details.
- Then get the right student bank account. Choosing the right student bank account is vital. Take a look at our Student Bank Account Best Buys to help you compare interest-free overdrafts, credit card limits, credit interest and unauthorised overdraft charges.
- See if you can also get a grant or a scholarship. It’s possible to get a scholarship for a wide range of things from academia to sports to hobbies. Find out more from the Scholarship search and Educational Grants Advisory Service websites.
- Stick to a budget. Before your first student loan payment is made into your student bank account, you need to sit down and set yourself a budget. Our Budget Planner can help with this.
- Get a student card. There are now three different NUS cards available for students giving you access to a wide range of student discounts, deals and offers from companies such as Subway, Domino’s, BT, Superdrug, French Connection, Arriva, National, Lonely Planet…
- Get a cheaper Mobile Phone deal. Use our mobile phone comparison service to compare over 20,000 mobile phone and handset deals to get the cheapest pay monthly or pay as you go mobile phone deal.
- Get cheaper Car and Home Insurance. If you need car insurance or home insurance, then use our Car Insurance and Home Insurance comparison services to get the cheapest deal to save money.
- Being frugal is cool. You’ll be amazed at how much money you can save by cutting back on non-essentials, for example supermarket own brand products tend to be far cheaper than the more well known brands. Keeping a spending diary for one-month will really help you identify all the money you waste on things you don’t need – magazines, takeaways, cigarettes and alcohol are the usual culprits! And did you know that around 15p out of every £1 spent on food in the UK goes in the bin. Planning meals, using a shopping list and doing a weekly food shop will save you a small fortune.
- Cash is king! It’s very easy to spend on the plastic and forget all about it; and studies have shown that paying with cash has a greater psychological impact and makes you think twice about what you’re spending your money on. Studies have also shown that people tend to spend whatever’s in their wallet, so taking out less cash from the ATM than you usually do could help stop you wasting money.
- Make money. Getting a part time job or selling unwanted CD’s, DVD’s and Books on Amazon Marketplace can add some much needed money to your student bank account!
What to do next:
- Compare student bank accounts
- Use our budget planner
- Compare car insurance
- Compare home insurance
- Read our Get out of debt top tips
