Docstoc

Money Saving Tips

Document Sample
Money Saving Tips Powered By Docstoc
					Money Saving Tips
Tips From Experienced Students
Pay big bills, such as rent for staying in halls, in advance, or put the money aside so that you know how
much you have left to spend.
Always open your post, and check your emails even if it’s intimidating. It might be important, and it’s better
to sort out any problems early.
Ask other students where to go for bargains – not just where to go for a cheap pint, but things like when
to visit the supermarket for reduced prices.
Have fun – you’re bound to make mistakes, so don’t worry too much.

Shopping
Check out Martin Lewis’ MoneySavingExpert.com Free to use Free of Ads UK Consumer
Revenge!
http://forums.moneysavingexpert.com/forumdisplay.html?f=38
Do shop around - some shops / supermarkets are cheaper than others. Usually the smaller the shop the
more expensive it is!
Leave food shopping until the evening when fresh goods may be marked down in price.
Don't shop for food when you are hungry - you'll end up buying expensive snack items.
Take a list and stick to it.
Take advantage of multi-buy offers like '3 for the price of 2', ‘Buy One Get One Free’ but only buy items
you normally use. Get together with house-mates, friends or family to buy in bulk. Buy multi-packs of items
such as loo rolls, large sack of potatoes / pack of pasta etc to split up.
Try supermarket own-label products that are cheaper than branded goods. Or consider supermarkets’
economy ranges i.e. Asda Smart Price, Tesco Value Morrisons Essentials or Sainsburys Economy, which are
usually much cheaper.
Use retailers' loyalty cards that reward you with points to cash in on future shopping i.e. Nectar Card,
Tesco’s Clubcard, Boots’ Advantage Card.
Cash in money-off coupons, some supermarkets will accept them whether you buy the product or not and
sometimes even those issued by rival companies.

Clothes
To cut costs on clothes consider buying from charity shops, street markets, nearly new shops and factory
discount outlets. Or shop in the sales.
Compare prices before buying. Useful online price-comparison sites include –
    www.kelkoo.co.uk       www.pricerunner.co.uk       www.gooddealdirectory.co.uk

Course Materials
Cut the costs of books by buying second-hand at the campus bookshop, on eBay or by borrowing from
libraries.
Share the costs of expensive books you have to buy with friends on the same course. Buy one book each on
the reading list and use them on a time-share basis.
Ask ahead for books (or book tokens) and equipment as Christmas and birthday presents.
Sometimes you can use bookshop offers (e.g., 3 for 2, £10 for 2) to buy books for your course.
See if you can find a discount stationery supplier, or you may be able to buy cheaper if you buy in bulk
from wholesale suppliers. See if you can club together with other students and buy your stationery together.
Check whether local hairdressers need models or offer student discounts.
If you have to pay for repeat prescriptions on a regular basis you could save money by purchasing a pre-
payment certificate
www.dh.gov.uk/PolicyAndGuidance/MedicinesPharmacyAndIndustry/Prescriptions/NHSCosts/NHSCostsArticl
e/fs/en?CONTENT_ID=4049383&chk=k8woEO

Transport
Walk, cycle or share lifts rather than pay for buses, trains and taxis.
Buy season tickets for regular journeys by public transport and use off-peak, discounted travel passes for
one-off trips.
Bus Ticket Deals
        Unirider - can be used on any Stagecoach bus in the Kent Area, for the Academic year.
        www.stagecoachbus.com or take advantage of other ‘special fares’ available on Unibus
        www.kent.ac.uk/estates/transport/bus/index.html
        Megarider - can be used on any Stagecoach bus within the Canterbury area.
        www.stagecoachbus.com/eastkent/localoffers_808.html
        Goldrider - can be used on any Stagecoach bus within Kent or Sussex (excluding London).
        www.stagecoachbus.com/eastkent/localoffers_491.html
        Discounts on the annual cost of Megarider and Goldrider tickets are available to University staff and
        students. www.kent.ac.uk/estates/transport/bus/index.html
Coach Travel If you use National Express regularly then it may save you money to purchase a Young
Persons Coachcard that entitles you to up to 30% off each journey.
www.nationalexpress.com/coach/offers/students.cfm
Train Travel If you use the trains regularly then it may save you money to purchase a Young Persons
Railcard that can save you up to 30% off each journey. www.youngpersons-railcard.co.uk
Book train and coach journeys well in advance to get the cheapest deals possible.
When driving, slow down. The faster you drive, the more fuel you use. Keep at a constant smooth
speed. Avoid fast starts and hard brakes. A 'grand prix' getaway burns 60% more fuel than gentle acceleration.
Get into top gear as soon as you can. Lower gears use 50% more fuel.
Turn off your engine in traffic jams. Five minutes with the engine running is equivalent to driving one mile.
Find the cheapest petrol in your area www.petrolbusters.com
Join NUS and take advantage of any discounts available to students. www.nusonline.co.uk Always find out if
you’re entitled to a student discount when buying anything. You can get savings on all kinds of goods and
services including food, clothes, haircuts, books, cinema/theatre tickets, TV rental, insurance and travel.

International Travel
STA Travel - Student and youth travel specialist, offering a low cost, independent travel service.
www.statravel.co.uk
Expedia - Cheap deals and exclusive offers for flights, hotels and holidays. www.expedia.co.uk
Last Minute - Great site for checking out last minute options on flights, holidays, hotels, restaurant and
theatre bookings, cars and gifts. www.lastminute.com
International Student Identity Card www.isic.org/sisp/index.htm?fx=istc_info

Entertainment
It's cheaper to eat and drink with friends at home than to go out, but expensive if you're the host. So set
a trend for evenings in where everyone brings food and drink to share.
When going out only take enough money to keep you afloat for the night
and leave your cash point card at home, thus avoiding clearing out your bank
account in order to buy everyone a drink and/or losing your card.
If you do eat out, find restaurants where you can bring your own booze or eat cheap buffet style or look out
for special offers, promotions and deals.
                                                                                                                2
http://www.moneysavingexpert.com/deals/cheap-restaurant-deals
Check out cinemas for cut -price nights, and cheap movie season / subscription tickets.
Buy theatre, cinema and concert tickets in person where possible to avoid booking fees. Some theatres
offer concessions to students and last minute tickets just before the show starts at a reduced price.
Check out online sites for cheap restaurant and theatre deals. www.lastminute.com
Find out about free entertainment on offer from local papers, libraries and tourist centres.
www.kentonline.co.uk/whatson
Local authorities often offer access to sports, swimming and gyms that are much cheaper than joining a
health club. (University sports facilities from £105 per year). www.kent.ac.uk/sports/
If you smoke, try cutting down or switching to roll-ups. The NHS can support you to get off cigarettes in
your own time.
http://smokefree.nhs.uk/?WT.mc_id=search

Savings at Home
You must buy a TV licence - it's cheaper than being caught without one!
    www.tvlicensing.co.uk/information/students.jsp
Most Full-Time students, not in University campus accommodation, are eligible to apply for a Council Tax
Exemption Certificate.
    www.kent.ac.uk/registry/student-records/students/counciltax.htm
Pay your household utility bills by monthly Direct Debit – you may qualify for a discount.
Make use of phone off-peak and discount services:-
    www.bt.co.uk/at_home.jsp
    www.bt.co.uk/together
    www.onetel.co.uk
    www.planet-talk.co.uk
Do check mobile phone contracts. Are you going to use the tariff you are paying for? Pay as you Go phones
may help you to keep track of how much you are spending. It’s good to talk, but remember it can be
expensive!
Consider if you need a landline as well as a mobile (and vice versa).
Find out if you could save money on your fuel bills by switching suppliers. Get general advice and free price
comparisons:-
    www.ofgem.gov.uk
    www.buy.co.uk
Turn down thermostats and reduce a room's temperature by one degree C and you can cut heating bills by
at least 10p in the pound.
Reducing your hot water temperature to 60 °C can also save £15-£25 a year.
Be environmentally friendly and save money by:
        turning off lights when you are not in the room; this will help the planet and reduce your bills! Use
        energy saving light bulbs, they can last for years and they use less energy than normal ones.
        turning your TV off when not in use. Leaving it on ‘Standby’ still uses energy. This will save energy
        and lower electricity bills.
        avoiding overfilling the kettle for just one drink.
        saving resources. It's not only good for your pocket, it's better for the environment as well. Write /
        print on both sides of the paper and try to reuse envelopes, storage boxes etc.
Plan ahead to buy expensive items like furniture, duvets and electrical items in sales.

                                                                                                                3

				
DOCUMENT INFO
Shared By:
Categories:
Tags: Money, Saving, Tips
Stats:
views:34
posted:3/8/2010
language:English
pages:3
Description: Money Saving Tips