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Budgets can be tricky to stick to, but creating a realistic one in the first place is even harder. Here’s a breakdown taking you back to the basics on how to make a budget and then some simple tricks on how to stick to it.
View our money saving tips.
It’s about being smart with your money, and not letting situations tempt you in to spending. Planning ahead is the key! We’ve included some tips on how to stick to your budget:
Prep your food
Cook in bulk and prepare lunch and dinner for the week ahead. That way it’s ready to go each day and you won’t be tempted in to purchasing lunch or dinner.
Take a flask
Buy a coffee/tea flask, you can make your hot drink at home, take it with you to campus and it will still be warm by your second lecture.
Ride a bike
Ride a bike rather than get the train. Depending on where you live, this might not always be possible. It will be an initial high expense but you will quickly recuperate the money over a period of time. Ensure you also purchase a cycling helmet and light – safety first! Walking everywhere is another good option – but you may live too far from university.
Sweep the supermarket
Go to the ‘reduced’ section of the supermarket aisle on a Sunday afternoon and see what’s on offer – ignore the best before dates, just focus on the use by dates.
Cook your meals communally
Shop and eat with your housemates. Buying food and making food in bulk is more economical and it allows you to bond.
Scour the vintage shops
There are plenty of these places around and are definitely ‘cooler’ then the standard charity shop. You’ll have to trawl through a lot of rubbish to find a must have item but it’s well worth it.
Start an Ebay business/free listing events
Nowadays you can sell nearly anything on Ebay, there will always be someone out there who will want to buy those old dusty cables from your first ever CD player. Look out for a free listing event, which can be found under ‘announcements’, or when you sign up you automatically get 20 free listings a month. Just make sure you upload photos of all the items you want to sell then wait for the offers to fly in!
Don’t OD on heating and turn off those lights
You’re feeling a little chilly, so the first response is to turn on the heating, but could you really just put on another jumper? Lights use so much energy along with boiling a full kettle each time you want to make a cup of tea. Instead, turn off the light whenever you’re not in the room and make sure you boil enough water for the number of drinks you’re making.
If there are further topics you would like financial advice on, please leave a comment below and we’ll look to update the feature.
Ellie Beadel is the lead for medical students on the BMA's Audience Engagement team.
You know, it really helps if you follow these simple rules clearly. I love to travel, but as the student expensive trips are not always affordable, I choose interesting places and tours. For example, the last time I chose a bike tour on the Islands of Malaysia (danum valley) https://www.bikeandtours.com/. Thanks for the advice, it really helps to choose a good option!
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