1 minute budget Money quiz

Student Finance: £ 1. You must apply for Student Finance before each
year of study. True or false?

Money in
Job: £
2. Most are ‘expected’ to contribute
Family: £
towards your living costs.

Savings & other: £

3. Student Loan repayments are % of anything
you earn over £ a year, after graduating.
TOTAL: £
4. Any remaining balance is written off
Per month Average*
after years.
Rent: £ (£418)
5. You don’t have to repay your loan if you

Money out
Food & drink: £ (£165) move abroad. True or false?

Social & events: £ (£84) 6. Student Finance affects your credit score.
True or false?
The juiciest bits of savethestudent.org Transport: £ (£54)
7. You have to start repaying the overdraft of your
Bills & phone: £ (£82) student bank account after uni. True or false?

55 money hacks Clothes & shopping: £ (£35) 8. % of students have a part-time job.

1 minute budget Course materials: £ (£17) 9. The average graduate starting salary is £

Other: £ (£69) 10. % of students use a budget.

Money quiz
TOTAL: £ (£924)

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Difference: £ (In - Out)

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No added jargon. Just specials. *Average across the UK. There will be regional differences. Terms apply. See website for details.
Source: National Student Money Survey 2022 (www.sts.ac/nsms)
 Student money cheat sheet
managing money side-hustle ideas freebies
1. Student Loan instalments span 4 months (so budget) 21. Start a blog 41. Hair cuts at salon training schools
2. Keep your loan in an instant-access savings account 22. Freelance on Upwork.com or Fiverr.com 42. Cinema previews
3. Choose a student bank account by the best 0% overdraft 23. Buy used textbooks end of term & resell start of term 43. Groceries (via cashback apps)
4. Take cash out for the coming week’s budget 24. Dog walking & pet sitting 44. Condoms (GPs & clinics)
5. Skint? Speak to uni about hardship funding 25. Resell charity shop buys on eBay or Depop 45. Browse freecycle.org

www.sts.ac/cash www.sts.ac/biz www.sts.ac/nada

saving money jobs gifts under £5

6. Always ask for student discount
7. Use cashback sites & apps when shopping
8. Share textbooks & subscriptions with mates
9. Food shop at night (but not when hungry!)
10. Buy train tickets 12 weeks ahead & use 16-25 railcard
26. Set social media profiles to private
27. Include ideas to improve the company in applications
28. Never work unpaid (unless volunteering)
29. Check if you’re due a tax refund
30. Use our part-time job search (see link)
46. Framed photo
47. Home baked treats
48. Box of collected free samples
49. Playlist of their favourite tunes
50. Unwanted gifts you’ve received

www.sts.ac/saves www.sts.ac/job www.sts.ac/gift

eco saving housing & bills best apps

11. Shop local & in season
12. Use a reusable metal water bottle
13. Buy second-hand goods
14. Replace old bulbs with LED (90% less electricity)
15. Chew less gum (contains plastic)
31. Be sure you can afford the rent! (see calculator) 51. OLIO (free food)
32. Take meter readings & photos before moving in 52. BigOven (leftover food recipes)
33. Read contract & ensure deposit is protected 53. Starling Bank (budgeting)
34. Use Splitwise.com to split bills between housemates 54. CheckoutSmart (cashback)
35. Insulate any loft space (ask your landlord) 55. Shopmium (cashback)

www.sts.ac/ecos www.sts.ac/bill www.sts.ac/app

making money cheap dates

16. Get paid to Google (see link) 36. Go on a bike ride
17. Join online survey panels 37. Play crazy golf
18. Mystery shopping 38. Eat at a BYOB restaurant
19. Walking (yes really, see link) 39. Visit a museum or gallery
20. Rent out your parking space 40. Go to a car boot sale
@savethestudent
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