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English | Cymraeg

Lifestyle

Last loan drop this year: this money needs to last

By ELeyshon 02 May 2019

Your last loan has arrived, but don’t be deceived this money needs to last you for the entire term and summer,until October. Here are a few tips on how to make it last.

Person Holding Coin

Calculate your income and outgoings
Spreadsheets at the ready – this is an opportunity for clarity. 

Woman Holding Pen While Using Calculator

Budgeting

 Try to avoid getting into bad spending habits though by blowing it all as ‘disposable income’ – although this said, it would be wiser than not budgeting at all.

Black Point-and-shot Camera Near Macbook Pro

Need to save/ budget more efficiently?

Ok so you’ve realised that you need to save money, here’s a few helpful hacks for that:

  • Read our budgeting brilliance article.
  • Cook, in bulk, so you save money on lunches and dinner out. On the question of food use over-ripened food for baking such as banana loaves.

Sliced Bread on Saucer

  • De-clutter and sell unwanted items. 
  • Shop at Lidl or Aldi rather than Tesco’s wherever possible to save money or organize your food around available bargain.
  •  Cancel unused memberships.
  • Sign-up to offers 
  • Have a competition in your flat – who can find the best free activity? The beaches and museums are good starting places.

Group Of People Standing On Beach Shore

Earn extra cash:
Part-time jobs such as front of house staff at the Taliesin or Welfare Wardens . If you do work, make sure you don’t overpay on any tax  

Person Holding Black Pen

Necessary spending

Ensure you’ve accounted for all the necessaries – your academic fees, accommodation fees, individual bills such as mobile charges and living costs.

Woman Holding Pen While Using Calculator

Food shopping:

Don’t shop when hungry, shop when deals are on – can you freeze the food if you’re not cooking it straight away.

Man Wearing Pink Polo Shirt With Text Overlay

 

 

ELeyshon

ELeyshon is is an energetic soul who loves netball. A Welsh speaker who loves welsh cakes! A big thank you to Hannah Vincent for proofing these articles and the Welsh translation team for the translations. Diolch. Caraf bel-rwyd a phice'r man. Mawr ddiolch i Hannah Vincent am wirio a'r tim cyfieithu am eu cyfieithiadau. Diolch.
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