Our advisers have come up with some useful tips to help you manage your money.
Money Habits: Tips for getting rid of bad money habits.
- Stop spending on the go.
- Plan your meals out, and don't go food shopping on an empty stomach.
- Invest in a reusable water bottle (save the planet and your wallet).
- Walk instead of using public transport, and if you have to use public transport for long distance journeys try to book in advance.
- Consider whether something is a want or a need.
Are you a Super Saver?: if not, consider adopting some of these habits.
- Do you look in charity shops (in person and online)?
- Do you take freebies (for example, at hotels and Uni events)?
- Do you buy basic food at the supermarket?
- Do you ask for student discount (and check when shopping online)?
- Do you look for coupon codes online?
Budget Gifting: don't bankrupt yourself giving to others.
- Consider making presents. As well as saving money, it adds a personal touch and the process can be calming.
- Get creative with wrapping. Reuse gift bags, and consider gifting something that can be used as wrapping (like scarves).
- Look in the sales, and try planning ahead rather than buying last minute.
- Consider doing secret santa with your friends, family, or household. Only buying one present will save you loads!
- Consider shopping at local businesses, and sending gift vouchers for local businesses.
Festive Fraud: don't be a pudding this Christmas!
- Use shops you know.
- If you see a holiday deal that's too good to be true, maybe it is.
- Check E-Gift Cards for viruses.
- Check for counterfeit goods.
- If you're getting a loan, only do so from reputable banks.
If you need further budgeting advice, or want to discuss anything with a finance adviser check out our finance pages and use our online form to book in.