Gaining a degree from a university provides more than just an academic qualification – it prepares you for life in the ‘real world’. For many school leavers being a university student is their first ever experience of living away from home. This can be a learning curve in a few different ways. Cooking for yourself, getting down to work without anybody telling you to get off Facebook, and sorting your own money, are all important skills that you will probably pick up at university. For many students, staying on the right side of their overdraft is one of the most difficult parts of student life – and there are certainly many who find themselves wishing for a Cash Genie who will provide them with a little bit of extra money to see them through until the end of the term. Sometimes, following a few simple bits of advice can stop you from getting into too much financial difficulty.
One of the main expenses of the typical student is text books. It is not unusual to be given a list of necessary books shortly before you arrive, or when you sign up for your modules, that look as if they will cost you hundreds of pounds. Many keen freshers will think they need to head straight to the nearest bookshop, but there are lots of ways of getting your necessary materials without tearing straight into your student loan.
Your university library is obviously a good place to begin, but this is likely to have only a few copies of every item, so if there is a really important book that you are likely to need for a whole year (not just for one essay, for example), then it is often worth having a copy of your own. Students in the year above you are likely to have similar items that they no longer need, so check online postings or noticeboards in your department, where they are likely to be advertising their books at low prices. Otherwise, the internet is a great place to find second hand books, which are always significantly less costly than new ones, and may even have the relevant bits helpfully highlighted!
It may be of some comfort to know that there are companies such as Cash Genie who can provide immediate loans if you need money quickly. But life at university doesn’t have to be expensive – as a student you can buy so many things for low prices that it really is possible to live on a tight budget. Just remember that the bar’s offer of three triple vodkas for a fiver might not be as good an idea as it seems!
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