Avoid credit cards!
When it comes to credit cards, loans, overdrafts and other similar financial aid, banks and companies are not offering you them for their Moral code. They want to loan you money you cannot afford to pay back. They want you just to make them money from the interest that can be extremely high my main advice is not to get one. Only use this a aid only as a last resort.
• Save money every month for something really important i.e a new laptop or something necessary for your study.
• Get a saturday job this can be a nice little earner to help you plough through uni.
• If you are going into your first year at uni make sure you fill in all grant forms and loans so you have cash in you uni and are not money less for the first few months.
• Get a bank account so you can put your earnings and loans can go into.
• Keep an eye on your money there is nothing worse than running out midway through a term.
• Cook your own meals it is cheaper than eating out all the time.
• University life is about partying and having fun but budget this don't spend all you money on alcohol and go on the cheaper nights like Thursday's
All in all make sure your careful and everything will be alright.
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