before you roll your eyes and move swiftly past this first tip, a little forward planning via a spreadsheet can make your money go a long way. By planning your weekly activities and setting yourself a budget, you will know exactly how much you have to play with and it will massively help you avoid that dreaded moment when your card gets declined. Being aware of all your outgoings will also help you think where you could cut back.
2. Shop around
Got multiple social gatherings planned with friends? Don't be afraid to shop around for deals and discounts. There are loads of places that offer you 'buy one get one free' on meals or discounts on certain days - plus there's no end to the amount of savings you can get for using a student card. Don't feel embarrassed about wanting to save your pennies - your mates will be in the same boat, too.
3. Sell things you no longer need
Guilty of having a wardrobe full of clothes that you haven't even taken the tags off yet? Or, things that you've used once that will never make it out of the wardrobe again? You could be sitting on a small fortune. Apps such as Depop, Freecycle or eBay can help you turn your once loved items into cash with a couple of clicks and a swipe. Easy.
4. Shop smarter
Asda now sells a box of wonky veg that has all of the goodness you need for literally a fraction of the price just because they look slightly different to your average potato. Either that, or head to the discounted section of the shop - You can also visit your local food markets too for cheaper fruit and vegetables.
5. Get paid for doing something you'd already do
Want a casual job that will earn you some extra cash for your back pocket? Try finding a job related to something you'd be doing already - whether it's starting a revision group, tutoring others or cleaning a couple of neighbours cars, it's no skin of your nose and means you can collect a bit of extra dosh.
6. Pool your money
If you are going on holiday with friends, why not start a kitty for taxis, toiletries and drinks. Sharing some of the essentials could save you a fortune. If you're living in shared accommodation then sort out what costs can be shared with your housemates too – food necessities like condiments, TV license, laundrette and washing costs. Consider where there are opportunities to split the costs.
7. Speak to someone
If you're starting a new term in September and are worried about how you are going to manage your finances, consider talking to your bank manager or something like Future Finance about how better you could sort out your numbers and pay off your loan.