How to get free gems and cash in campus life

Learn how in the Forum Introduction Guide. Credit Cards Debt-Free Wannabe Savings and Investments. Utilities Old Style MoneySaving MoneySaving in Relationships. Grabbit Shop don't drop Freebies Competitions. Join s of MoneySavers in the Forum's many discussion boards. For all the latest deals, guides and loopholes - join the 12m who get it. Rose Edited by Martin. Whatever your means, there's no need to fall into the cash-strapped, debt-ridden student stereotype.

Use our tips to help your student loan go further - without a baked bean in sight. We've put together a student MoneySaving checklist with 60 quick tips to help get you through university or college without a serious debt hangover.

For non-student-specific tips, see the Unders MoneySaving guide. Local authorities control council tax support.

Each one decides what help to offer its residents. Ask your local authority what discounts and benefits are available in your area, but here are the basic rules for wherever you're living:. Only live with students? If you're a full-time student living alone or with other students you don't need to pay council tax, whether there's two, three or even 10 of you living together.

Live with a non-student? The cost of council tax is based on a minimum of two adults living in a home. Some people - like students, people on apprentice schemes and carers see Gov. So if a student lives with a non-student, the student is disregarded. But this poses a moral dilemma. Live with more than one non-student? So again, it gets complex. So again, you'll need to decide if and how you want to split it, though the legal stance is that full-time students aren't liable for the bill if non-students can't or don't pay.

See Council Tax Discounts. To bag the discount Whether you're studying full or part-time, there may be a grant or a free course to help. They're dependent on your circumstances so it may not be easy to get one, but there's certainly no harm in trying.

Here are the main ones to get you started - see the Education Grants guide for information on more. Educational Grants Advisory Service. This service offers students, especially disadvantaged ones, guidance and advice to help secure funding for education and training. Its site, part of Family Action, has a searchable database of over 30 educational trusts. There are some nifty search tools on the Scholarship Search and Student Cash Point websites, including bursaries, scholarships and award funding.

You'll be surprised at what's available - some are very specific, aimed at specific religions, locations, parental occupations and more. Here are six key tips to help choose your student account. Most students will need an overdraft while at uni, so make sure you aren't charged for it. Aim to get the biggest amount that will last as long as possible. Never go over your overdraft limit.

This is a lifelong rule. Go beyond your limit and charges shoot up, leaving you in a vicious cycle that's tough to escape. When you apply for any debt product, including an account with an overdraft, the lender will credit score you to decide how desirable a customer you are. See the Credit Rating guide for more. Don't base your choice on the closest branch or ATM. You can withdraw cash free of charge from any bank's ATM and almost every bank offers online access.

So which branch is nearest has little relevance for most able-bodied students. To compare, just examine what's on offer and go for the best deal. Don't just go for the one with the best freebie. Calculate the value of the freebie, and then compare that account's overdraft with the best on offer. Would the interest charged on the difference be more than the cost of the freebie?

You'll need to apply for any overdraft increases. Students must apply for overdraft increases on certain accounts, even where the guaranteed maximum rises each term or year. See the Student overdraft warning MSE news story for full info. See the Student Accounts guide for the full list of top bank accounts, plus masses of tips to help you choose.

Also arm yourself with knowledge of how interest works with the Interest Rates: Everything You Wanted To Know But Were Afraid To Ask guide. It's worth getting your head around the basics now so you aren't stung in future. But while it may be tempting, don't do it. Instead, to help you budget, use the free interactive Student Calculator tool from education charity Brightside, and read the budgeting tips point below.

If you work during term time or over the summer to keep yourself afloat, make sure you're paying the right amount of income tax. Students are taxed just like anyone else. If students are employed not self-employed and taxed via Pay As You Earn PAYEthey are automatically charged tax on earnings, so may need to reclaim it.

Crucially, even if you only do summer or temp work, you'll be taxed as if you'd earn that rate all year. If you know you're only working for a short time, eg, just the summer, then you can fill in a P50 to reclaim tax back at that point.

You need to wait four weeks after your last day at the job to make the claim. To see what you should be paying if you earn over the threshold, use the Income Tax Calculator. It's also handy for working out what your take-home pay will be after you graduate.

Your course must have started, and there's no upper age limit. Discounts exclusive to NUS Extra cardholders include the following see a full list of discounts here:. It's worth bearing in mind that plenty of discounts are available using your institution ID card, or other, free, student discount schemes like Unidays. So it's worth checking whether places you usually shop aceept those as proof first see below for more on discounts that don't require an NUS card.

Always ask for student discounts when you're out and about. These often aren't advertised, but several places still offer them even if you don't have an NUS Extra card. You'll usually need to show another form of student ID — usually with a photo on it if your institution one doesn't have that then it's also worth bringing an ID card that does. Share your finds in the Student discounts discussion.

To get it, join its Love Club on the Yo! Sushi student offer page, then either print the voucher or show it on your phone or laptop with valid student ID. The offer's ongoing - you can use it as many times as you like, but you can't use it alongside any other promotional offers. See its offer page for full terms. Offers a free McFlurry original, cheeseburger or Mayo Chicken when you buy an Extra Value Meal and show valid student ID.

There's one offer per person, per card, per visit. Full terms on the McDonald's site. It's valid on full-price items including Limited Edition and concession items.

See the New Look site for more. To get the store discount, go in with your student ID. For the online discount, email students foyles.

See the Foyles website for terms. Forumites also recommend Unidays. Similarly, Student Beans is also worth checking out. The rules around the TV licence changed recently, and now anyone that uses BBC iPlayer — even just for watching catch-up — needs one. This is in addition to if you're watching or recording live TV. See our Do I need a TV licence? However even if you do watch live TV or iPlayer, there's a loophole specifically for students which allows some to avoid this.

Crucially, you don't technically need a TV licence if:. Even if you're only watching TV or BBC iPlayer on your laptop, if it's plugged in at the time, you'll need one though — see TV Licence Student Loophole for full info. If in halls of residence you'll probably be covered for communal areas, but not your room — do check though.

India Cash Ban Could Get Worse: "We Don't Even Have Enough Money to Buy Food"

If in a shared house and with a joint tenancy agreement, you'll only need one licence for the household. But if you've separate agreements, you'll need one for your room.

To apply, complete the online application form on the TV Licensing website. Don't forget to update your address if you move house. For full details see Student TV Licence Refund. If you aren't living in halls, it's likely you'll have to pay for gas and electricity on top of rent.

It's possible to make hefty savings simply by switching provider. You've a right to switch and save on energy - even renting. When renting, you're free to switch if you pay the energy company directly rather than your landlord.

Also check your tenancy agreement - yet even if your contract bans switching, challenge it as it may be unfair. See Renting Tips for full help. Our free-to-join Cheap Energy Club is designed to keep you constantly on the cheapest tariff. It'll tell you when you can save and will even help you switch. Grab cashback or wine on top.

You don't need to know how much your bill will be. Even if you haven't a clue what you'll be paying, you can still enter your house size on some of the comparison sites and they'll estimate for you. Watch out for exit fees. So always check and factor this in. On a prepay meter? You definitely haven't got the cheapest deal. To save, first try switching to a credit meter. At the start of a new term, it's likely you'll be given a list of books you'll need over the year.

Depending on your course, some textbooks can really break the bank and leave you out of pocket. The uni library is likely to have the texts you need, but in the first few weeks of term there's usually a rush on them, meaning you could be left waiting. So, instead of rushing out and buying them new, see if the local library has a copy. At the very least you can take time assessing how often you'll need it. Alternatively, scout around campus, department noticeboards and even Amazon and eBay see our eBay buying tips for help for anyone selling books they no longer need.

If no new editions have been released since they bought them last year, you're getting exactly the same book, possibly just with a worn-in look. Charity shops are also good for cheap textbook hunting, especially in your university town. And thanks to the internet, consider year-long book rentals.

Students are also often able to get free access to specialist resource websites via their university, although some times you will have to be on campus to sign in.

The library will be a good place to start to see which are available to you. Finally, if you do decide you need a brand-new copy, don't buy without doing a little research. Always start by doing a comparison - our MegaShopBot tool takes the leg work out of this for you, searching a host of price comparison websites in seconds, finding you the cheapest price.

Your parents may decide to give you money to help while you're at uni, if they can afford it. But for most, the amount of maintenance loan you get depends on your parents' income — those who come from wealthier homes get a smaller loan.

This is because your parents are expected to contribute. If you don't get the full loan, while there's no way to force them to pay, and they're not legally required to give you money, it's well worth having the conversation with them in advance about whether they'll contribute. Show this to your parents. This can be a thorny area, yet their contribution can make a big difference while you're studying.

You can get the discount through UnidaysStudent BeansNUS Extra if you've a card or directly with Apple. See the Apple Deals page for full info. Most students and those working in education with an academic email address can get Microsotft's entire Office suite of programs, and other freebies, for zilch. To see if you're eligible those at You'll be asked to log in through your institution's online portal and if you're eligible, you'll be redirected to a page where you can download the software.

You can also get 1TB free online storage with OneDrive — for full details see Microsoft Student Freebies. For typing, spreadsheets and presentations: The LibreOffice software suite includes a word processor, spreadsheet, presentation, database and design package.

Handily, it's compatible with many Microsoft documents, and is available for PC, Mac and Linux. If you're after something for basic cropping and editing, Paint. For a more advanced photoshop equivalent, GIMP is a powerful tool with free add-ons and PC and Macwhile Inkscape is handy for scalable vector graphics and works on PC, Mac and Linux. For music and videos: One of the most widely compatible media players available, VLC Player can cope with pretty much any music or video format you throw at it.

For recording, Audacity lets you add effects and create soundscapes from scratch. Again, both are available for PC, Mac and Linux. Always check any software you put on your computer is suitable and compatible with your existing set-up first. For full info and loads more see the Free Office Software and Free Antivirus Software guides. That's right, you can enjoy many students' favourite pastime and get paid to boot — though this one's mainly for freshers.

See Get Paid To Drink for full details. If you're kitting out your student digs with larger items, eg, a sofa for an unfurnished lounge or a TV for your new room, pick-up only items on eBay are often cheaper as there are fewer bids. To help uncover 'em, we've built a Local eBay Deals Mapper tool.

Always double-check the seller's location, and stay safe when collecting. Go with a friend, or if this isn't possible, tell someone where you're going and arrange to contact them afterwards.

Take a mobile phone, and stay on the doorstep if you can. See full safety tips. Many places will give you a discount if you flash your student or NUS Extra card. But even if they don't offer a student discount, why not ask for one?

Even if you weren't born with the gift of the gab, it's easier than you think. See the How to haggle successfully guide for tips, and give it a go. What's the worst that can happen? They won't chuck you out of the shop or punch you in the face! The student loan system changed for new undergrads who started in or after September See the Student Loans Mythbusting guide for more.

If you're a student the likelihood is you're renting and relatively new to it too. It's important you know your rights in private digs to make sure unscrupulous landlords don't end up taking advantage. This is where you match up money coming in with what's going out. It's incredibly important to budget - you may have a great first week splashing the cash, but spend the rest of term struggling to survive.

Knowing how much income you'll have is essential as without this your budget will be nonsense. While the rule for working people is that they shouldn't spend more than they earn, no one says what student shouldn't spend more than. No matter where the money comes from, the golden rule is to NEVER spend more than your income. Don't forget other costs, like a TV licence or toilet roll.

They aren't fun to buy, but are even less fun if caught without 'em. For the full steps on each aspect of budgeting see our Budget Planner guide. Treat yourself to a makeover. Nope, we're not talking face packs and cucumber slices. For the biggest savings, give yourself a full Money Makeover. This overhauls your finances, from mobile bills to contact lenses.

It'll take time to work through, but it's time well invested. For all the latest deals, guides and loopholes - join the 10m who get it. As the year goes on, the costs of starting higher education quickly add up. So before you shell out on extras, don't forget: Don't swallow companies' promises and marketing. However well you budget, you will have to spend on tuition fees, books, transport, living expenses and, of course, socialising. So always remember these companies want your cash and look with a sceptical eye; you'll make better decisions.

If you want to study part of your degree in one of 33 participating European countries, grants are available from the British Council as part of the Erasmus scheme. If you've got the travelling bug, this is a handy way to continue studying and go globetrotting at the same time.

Countries to choose from include Austria, France, Italy, Portugal and Spain. See Erasmus for the full list. There are masses of free online language learning resources if you know where to look, including BBC Languages and the Open Universitys' OpenLearn Works resource.

See Learn A Language Free for the full list. There are plenty of free music streaming servicesand if you don't mind putting up with ads then you can't beat the price. But if you want the full ad-free service you'll need to stump up the cash for it.

Make sure to use up any new customer promos first though to maximise value — eg, until Thu 30 June, Spotify Premium newbies can get it for three months for 99pand a three-month trial of Apple Music is available on an ongoing basis. You can sign up to the deal through via your Unidays or NUS Extra account — log in and follow the instructions through to the Spotify website. If you already have a premium account, the discount commodity course futures trading commission apply from the beginning of the next month.

You initially get the promotional price for 12 months, though earnest money before inspection you want to extend it you can do so before it the discount period ends, as long as you're still a student at the time so you could extend it by another year just before you graduate.

Otherwise you'll be charged full price unless you cancel your premium subscription. You need a Unidays account for Apple to verify your student status it can't do this via NUS Extra unfortuantely.

So make sure you cancel if you're not willing to continue at that price. It isn't just which company you pay, but how much you use. Cutting energy high accuracy forex indicator is a mix of big and little things.

A few small changes will help bring your bill down. Turn down the thermostat and dig out that knitted jumper from your gran. Switch off lights when leaving a room, use energy saving lightbulbs, defrost the fridge and check it isn't on too high, and don't leave electricals on standby. For more info, read the Energy Saving Hunt and see the Energy Saving Trust website. A good tip for students studying this winter who are finding gas bills a struggle: Again, if you aren't in halls, check with your landlord to see if your water bill is included in your rent.

If not, remember to budget for it, using the table in the Water Bills guide for a rough indication of how much to expect. This is often because most policies like to cover the house, not the person, making it tricky if you've flatmates - check our renters guide which will particularly apply to students living together in a house share. Yet if you're still struggling, there are a few tricks to get round it:.

If your parents have home insurance, it may automatically cover you under the 'temporarily removed from the home' section while you're a student. The cover only applies while in your accommodation and if your parents' home is your main permanent address. If you need cover for any mobiles or laptops, or items you normally wear or carry away from your home, your parents could also add the 'all-risks' or 'unspecified personal possessions' section to their policy, which specifically covers your stuff while it's out of their home.

Many policies allow this, so it's worth checking. However, if you carry a lot of valuable gadgets, eg, a laptop, stock market switch fractions decimals and smartwatch, then a specialist gadget insurance policy could be worth considering.

Don't assume student policies are earn money by doing surveys uk. Comparison sites can provide online quotes for those in make mad money from homestreet rooms or shared accommodation but our research shows if you went down this route, you really need to check, and check again, that the policy that comes out top does meet the cover you need as sometimes it won't due to a glitch in the system.

It's worth checking the following comparisons to get an indication of cost to compare against a quotation provided by a specialist: Student contents policies are also available from BarclaysHSBCRBS and NatWest.

As a renter, your landlord is responsible for buildings insurance, so you should only be getting contents cover. As buildings insurance generally covers the building itself unsurprisinglythis is usually the property owner 's responsibility.

Generally, this means you're unlikely to need building insurance if you're renting - but check with your landlord if unsure. If you're in shared accommodation, your insurance won't cover you for theft unless there's been a violent or forced entry. So always make sure you lock your room door when you leave, even if you're just popping out briefly.

Check if your bike's included. If you're bringing a bike, your contents insurance may cover it. Always check though, and find out how much extra it is to add if not. See the Bicycle Insurance guide for full tips and info. Young Drivers' Car Insurance has a step-by-step system to slice off every spare penny for under 25s, but if you're older and heading to uni, see our normal Random walk index forex Insurance guide.

Do you really need it? Bringing an unused car to uni can be an expensive and unnecessary hindrance, so consider the alternatives. See the public transport point. Pay when or how you drive. Specialist 'pay as you drive' or 'black box' policies are well worth checking to see if they undercut comparison site quotes. With these, a GPS or tracking device is fitted to your car, so what you pay depends on your mileage and time or driving style.

For more info, see the Young Drivers' Insurance guide. Specific young driver brokers. While forex market details tips learners sites are very forexworld bank accounts for those with normal situations, for others they can underperform, so check specific young driver brokers separately full listings in the guide.

If you're a learner, it often means being added to parents' or friends' car insurance as an additional driver which can up the cost, and put no-claims bonuses at risk. Yet you can get specific policies just for provisional drivers. Find full info on all these and more in the guide. Don't forget to update your address. You can usually keep your parents' address for correspondence if you want, but you need to tell your insurer where the vehicle's usually kept.

If you have a part-time job, tell 'em. If your car's uninsured while at uni, SORN it. All cars need to be insured unless you declare it's off road. The only way out's to apply for a SORN Statutory Off Road Notification declaring your car won't ever be driven - but you must park it on private land, not on the street.

Never get someone, such as one of your parents, to add their name as main driver on your car instead of you. This is called 'fronting' and is fraud, and can lead to prosecution. If you regularly face a palpitation-inducing mobile phone bill, there's a mass of tips 'n' tricks to make money raising farm animals. Pick the right contract.

Use your bills from the last few red dead earn money to pinpoint your average usage for calls, texts and data. Then use this to find the cheapest tariff for your needs. See Mobile Phone Cost Cutting for the full step-by-step guide. Haggle down contract costs. If you'd rather not change network, this can still yield big savings. When you're near the end of your contract, call 'em and ask for the best deal possible - not just on your network, but any out there.

See the Mobile Phone Contracts guide for tips on how to give your haggle some chutzpah! After an iPhone or Samsung? Top-of-the-range new smartphones are never MoneySaving, but you can pay less and get a shorter contract if you know where to look. To quickly compare tariffs, use our Cheap iPhone and Cheap Samsung tools. This is the big trick everyone should know. It's perfectly allowed within the National Rail Conditions of Carriage, and has been confirmed by the Association of Train Operating Companies ATOC.

The only rule is that the train must call at the stations you buy tickets for. Our revolutionary TicketySplit tool helps you do this. Tell it your journey, and it'll tell you where to split and the saving.

This unique tool splits advance tickets as well as on-the-day tickets - often where the supersonic savings are. Currently, the tool doesn't cover returns, only advanced and 'today' single tickets. See Split Ticketing tips for a full how-to. If you're currently studying, but are thinking of taking a year out, make sure you know how much it'll cost you.

If you're working for part of your year out then you need to be aware that you may pay tax. If you're not sure whether you should have paid or not, use our tax calculator. If you're going overseas, budget for your trip - and don't forget travel insurance.

Many insurers offer backpacker policies which cover you for extended periods out of the UK, whether you're backpacking or living in luxury. If you have plans to work abroad or take part part in skydiving, shark create bollinger bands in excel diving or other risky fun, check with the insurer that forex pvc policy will cover you.

The trial excludes Kindle library services though. You need to sign up with a valid. The reusable code should be valid for 12 months. Yet there's a geeky way to manipulate Amazon's links to show all heavily-reduced bargains. As it's a faff to do this yourself, we've made the Infosys put option price Discount Finder tool.

It lets you create your own super-specific sub-department pages in seconds, where you choose the discount and if you want free delivery. Don't assume Amazon's always cheapest though. Use the MegaShopBot tool to quickly see if it's cheaper elsewhere. It trawls the internet to auto-search the best price across a huge range of shopping comparison sites. A mass of companies offer to recycle your how to make money from clicks on your website for money.

This is a really quick 'n' easy way to make extra cash if you've old handsets lying around. Once you agree to sell, you're even sent a freepost bag for it. To quickly find the best payer for your make and model, use MSE's MobileValuer tool.

It also works for other gadgets, including games consoles, iPods and more. Remember to factory wipe your devices and remove personal information before sending them off. If you're after live music on the cheap, the Free Festivals guide has full dream signals forex of the top gigs nationwide.

In it, you'll find totally free festivals across the UK, covering everything from rock and jazz to carnivals and outdoor theatre. You'll also find info on how to get into the big paid festivals for free, including the latest volunteer schemes. Alternatively, the Free Museums and Art Galleries guide lists venues across the UK on everything from forensic science to footie. Use 'em for research, entertainment, or even an unusual date on a budget don't forget your restaurant vouchers!

Find 'em near you: To find your nearest at a glance, click on your area on the in-guide maps for full listings of venues in your area, plus opening times and what to expect on the day. Do you know the difference between a best-before and a display-until date? If not, it's likely you're binning a lot of food unnecessarily. To help, we've a free printable Food Saving Memo.

Stick it on the fridge and check before you chuck. If you need inspiration on turning last night's leftovers into a banquet, see the Using up leftovers forum discussion for ideas. The coach can be an economical alternative to pricey train fares even if you do have a railcardand if you're between 16 and 26 or a full-time student, National Express' Young Persons Coachcard can make it even cheaper.

It's easy to think "I've got to get a student loan, why not borrow a little more? But you need to understand how special student loans are. Not all debts are how to get free gems and cash in campus life same, and no other loan only needs you who makes more money jeter and arod pay if you're earning enough. With others, it'll never go away.

They'll chase you even if you can't afford it, and the interest is higher and will multiply at speed. Some debts, like student loans, are much better than others. Be very careful taking any other form of borrowing. Sadly in the UK, students are educated into debt but never about debt.

Ditch your spending demons: Use the free Demotivator tool to instantly see the real cost of your non-essential spending, from vse virtual stock exchange to chocs. Then print and stick the results on your wall to help you stop buying 'em. This is a quick 'n' easy way to make decent savings on your grocery shopping, particularly if you're still just buying big brands you're used to at home.

Over the years, supermarkets have hypnotised us into spending more by making us move up the brand chain. Many people gradually buy increasingly more expensive versions of the same thing.

So here's the challenge:. Drop one brand level on everything and see if you can tell the difference. If you can't, stick with the cheaper one. See the Supermarket Shopping guide for tips. For extra discounts, get into the habit of checking the latest Supermarket Coupons before you shop. There's a mass of goodies available for free at bni money makers st. augustine click of a mouse, if you know where to look.

The Freebies Directory is a full compendium of hundreds of goodies you can get for nowt. Use it to get free revision guides, games, music downloads, tea, cookbooks and masses more. It's divided into categories to help you find the most useful. If you're spoilt for choice, try the Freebie Roulette tool, which finds a random freebie each time you spin.

If you're sharing a house, it's likely you'll want to get on the web. But before you take a pricey contract, you should consider some alternatives, including checking out our Cheap Broadband guide for the top deals. Get it for free at uni. If your campus has free internet access or Wi-fi, it's well worth using this if you can. Use the uni's computers or charge your laptop at uni and you won't have to pay for the electricity either. Get it for free on the high street.

Free wireless internet's the norm at high street cafes and pubs now, rather than the exception. Wetherspoon and Walkabout pubs offer all customers unlimited Wi-fi access, as do McDonald's restaurants nationwide, and many more.

See the Free Wireless Internet article for the full list. If you decide to get the internet at home, some tariffs offer a day contract. While the monthly cost may be slightly more in the short term, if you'll only need it for nine months instead of the full year, it could work out cheaper in the long run. If there's several of you downloading or watching TV online, limits for standard cheap tariffs may not be enough.

To avoid being hit by unexpected charges, consider getting an unlimited plan if you live with several heavy downloaders. Check the best buys. Some providers offer tariffs aimed at students, eg, nine-month student contracts from Virgin Media and BTthough these are often more expensive than the cheapest deals available. Factor in any fees and monthly line rental to work out the real monthly cost, then use the Cheap Broadband guide to see how it compares to best buys in your area.

If you live in an area where broadband's pricey, you move frequently, or just don't want the hassle of chasing your housemates for their portion of the bill, mobile broadband's another option. For pros, cons and best buys, see the Mobile Broadband guide. Don't stick with your student bank account when you graduate. Picking the best can save you serious cash on your overdraft. See Graduate Accounts for the top picks.

Several sites let you quickly trade in old CDs, DVDs, computer games and Blu-rays for cash. The sites are easy to use and give instant quotes, so if you've got loads to get rid of, you could speedily make a bit of extra money. To do it, type in the barcode, ISBN or product options brokers merge on the site to get an instant valuation.

Each site is different, and some offer more for certain items than others, so always compare a few. Once you've compared and found the top payer for your items, you simply accept the valuations and send your stuff to the them. Postage is usually free, but always check. Always ensure items are packed well, as, in most cases, any that fail basic quality checks won't be sent back to you.

You'll then get paid, either by cheque, bank transfer, vouchers or store credit, depending which service you've used. For full info, plus other easy ways to make extra cash while you're studying, see the Boost Your Income guide.

For more recent items you may be better off selling 'em individually on eBay. Check out the eBay Selling Tricks guide for a mass of insider tips and tricks on how to easily declutter your digs and make extra cash at the same time. You'll also find free tools to help. They work and feel very much like credit cards, except that while credit cards can be used anywhere, store cards can often only be used in a specific store or group.

Yet they've exorbitant rates, and are often aimed at the young as stores assume they're an easy target. Don't get burned; read the Devil's Debt for more. While studying's a priority, it's commonly accepted many students will work. Babysitting, supermarkets and the library are all handy places to start, but it can pay to think outside the box too. Some earn from working as a TV extra, or even for participating in medical trials - see Work, Work, Work for some more unusual ideas.

I found the work through the university's job centre and had to go for a quick test. It was the perfect student gig as it fit around my lectures and unusually for student work was very well paid. More exciting ones involved virtual reality headsets-all while contributing to scientific research. Some of the braver participants were even given electric shocks not me. Be the early bird: The earlier in the year you try to get work, the better your chances, so try to apply before other students.

The Teen Cash Class is a free, printable PDF guide to help redress the balance. In it, you'll find lessons to tackle impulse buying, how credit cards work, the cost of fashion and more. It's an invaluable guide for students, parents and anyone wanting to pick up the skills to handle their money and avoid being ripped off.

This is a real, practical survival guide to living in one of the most competitive consumer economies in the world. These cut a third off off-peak train tickets and tube fares and they're also valid for full-time students of any age — a huge plus. Alternatively, Santander's student account gives a four-year one for free — full info in Student Accounts. For more info on railcards see the Cheap Trains guide. Renew just before you finish to nab another year: Don't forget — renew just before your 26th birthday to grab another year, or before your 24th birthday for a three-year card the same applies to older cardholders about to finish uni.

This will be the same amount as a maintenance grant. Under usual circumstances the amount given for your loan might be reduced if you get a grant as well. For more on what's available and how to apply, see Gov. There's no need to live off pricey takeaways at uni while longing for a home-cooked meal.

Take the time to learn the basics and it'll help to stretch your cash much further, and it's far healthier too. The forums are a great place to get tips and ask questions. Read the Basic recipes for novice cook discussion to arm yourself with the essentials, while the 50p meals thread has loads of budget recipe ideas.

Feel free to add your tips! Check out the How to start meal planning and Menu plans discussions, which will help you to only buy food you need. If you're off home at the end of term and you can't coax a friend or parent to give you a liftit's possible to find extra discounts if you know where to look. Train and bus companies often discount heavily with regular sales to fill seats.

To find the latest offers, check out the Cheap Trains and Coaches deals page. The National Association of Student Money Advisers Nasma has advisers in many universities. Alternatively, local charities Citizens Advice and StepChange Debt Charity also offer free help and support.

These can be a massive help if you're struggling financially. Timing your purchase accurately can make a real difference, either well in advance, or last-minute.

Everyone knows that if you book early, fares are cheaper. These often disappear quickly, so to ensure a bargain, start looking about 12 weeks before. This is because Network Rail must set the timetable this far in advance.

Train operators commonly, though not always, release cheap advance tickets shortly after. It isn't often dead on 12 weeks, and some are currently trialling much further in advance; National Rail's future travel chart shows the latest date you can buy advance tickets for each train firm.

See the Cheap Train Tickets guide for tips. If you're struggling, don't suffer in silence. Talk to your tutor, parents or a close friend if you feel you can, but there are also organisations that can help. Many universities offer free student counselling services.

Ask for details at your local Students' Union. Charity Nightline offers a confidential, anonymous listening and info service specifically for students. It runs overnight from about 8pm to 8am and covers 90 universities across the UK and Ireland - see its website for how to get in touch with your nearest service. Alternatively, Samaritans offers confidential help around the clock.

If you're struggling, many universities have access funds to help. These aren't always advertised, but it's well worth speaking to your uni or the National Association of Student Money Advisers Nasma to find out more and ask for how to apply.

Get the mantras on the move: To help when you're out, pop the free printable Money Mantra Card in your wallet. Use it to remind you to not to spend when you shouldn't. If you've any spare cash, don't leave it languishing in an account earning 0. If you don't want to keep your money in a current account, another option is to put it into a Top Savings Account or Top Cash ISA.

Assuming you don't have enough saved to go over this threshold, simply look at the accounts paying the top rate. Texting can make up a serious chunk of your phone bill. If you're a textaholic, it's worth noting there are heaps of ways to send texts for free, or very cheaply. Top picks include Orange and cbfsms. See the Free Texts guide for full the full list, plus pros 'n' cons.

Be extremely wary of credit cards. These are best avoided while you're studying, as if you don't have an income, you'll really struggle to repay the debts. This means the interest will compound and build quickly, leaving you owing serious cash. Don't let the affordable-sounding minimum repayments trick you either.

Even if you can meet these each month, they are designed to clear barely any of the debt - meaning the cost of borrowing rockets. If you need scaring out of this:. See the Minimum Repayments guide for a full rundown of how the system works. Bag mega savings on your cinema tickets by using our very own Deals Hunter blog trick which manipulates Meerkat Movies to give you a year of 2for1 tickets.

You just need to buy the cheapest product you can find on Compare the Market, which is usually something like a day's travel insurance for a couple of quid, and then you can download the Meerkat Movies app to get you those 2for1 tickets every Tuesday and Wednesday. Before you hit the shops, remember to check the Discount Vouchers page and the High Street Sales diary for a massive compendium of all the latest printable vouchers, codes and deals open to all.

Payday lenders have sprung up nationwide, promising quick cash loans until you get paid. Yet interest rates are exorbitant, and the cost of the debt can easily snowball to epic proportions. If you're struggling to make ends meet, instead contact the National Association of Student Money Advisers Nasmawho will help with better alternatives.

If you bag a yellow-sticker discount you're on to a winner as it's a huge saving on perfectly good nosh you'll just usually need to use it quickly.

But to help you out we along with the help of our dedicated forumites and MoneySavers who work in supermarkets have put together a table to spill the beans on which supermarkets discount at which time, even including the amount they are likely to reduce products by. To pin down where you need to be at which time, see our Supermarket Shopping Tips. The Student MoneySaving forum board is a fantastic place to share your ideas and swap tips whether you're after student shopping and eating tipsinfo on bursariesor help splitting student bills.

It's free to join, so get chatting! Freecycle prevents perfectly good items from ending up in landfill by giving them to those who need them. There are so many participants it's never short of supply. Just sign up to your local group and off you go. If you're going yourself the costs can be reduced, but you will be surprised how the money adds up. Collect an HC1 form from your local job centre, dentist or GP and you may be able to get help with NHS prescription charges, dental treatment, sight tests, vouchers towards glasses or contact lenses, and even hospital travel costs.

I've had no problems with eligibility and have received these benefits free despite not always qualifying for the full amount of student grant. I was shocked to find out that none of my fellow students had heard of it.

NOT YET A FORUM MEMBER? If you go through it, it can sometimes result in a payment or benefit to the site. It's worth noting this means the third party used may be named on any credit agreements.

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