University is an exciting and rewarding experience for many, for most it’s also extremely expensive and a time often stigmatised by being poor, living in squalor and attending lectures hung over. But whatever your situation is, there’s no need to fulfil these stereotypes and fall into unnecessary debt.

1. STUDENT LIVING FOR LESS
23 Money Saving Tips for your the Student Lifestyle

2. TAKE AS MUCH AS YOU CAN GET
Take the biggest loan offered to, even if you don’t think you need it

3. RESEARCH WHAT YOU’RE ENTITLED TOO
Grants and bursaries etc. Universities ring post this
money for people like you, so look for it

4. GETa student bank account DEALsure you get the right deal for
Get
THE BEST and make
you

5. WATCH OUT FOR DEALS WITH FREE THINGS
You’ll most likely pay for it else where

6. DON’TofBLOWtryIT ALL your loan all in the first
It’s a lot money, so not to spend
AT ONCE
week, it’s a long time until January

7. GET Aexperience and often a great place to meet new
Money,
JOB
people.

8. MAKE A BUDGET & SAVE
Like we said it’s a long time until the next loan instalment

9. USE YOUR STUDENT UNION
More than cheap drinks, it has advice guidance and cheap stationary

10. DON’T GO OVER YOUR OVERDRAFT LIMIT
Stay afloat and either make a formal request to adjust it or look to
borrow from parents or the university

11. AVOID CREDIT CARDS
It’s credit that you don’t need right now, and it’ll just depress you

12. DON’T PAY THE TAX MAN
Students don’t pay tax if they earn less than £7,475 a year

13. LEAVE THE DEBIT CARDS AT HOME
And use cash only on nights out. Party Dog agrees!

14. DON’T PAY FOR SOFTWARE
There are tonnes or legal and free alternatives

15. DO YOU NEED INTERNET IN YOUR HOUSE?
Is the library a better alternative or a pub library near buy you could
hook onto?

16. STUDYa couple of schemes, which give you grants to study abroad
There are
ABROAD
on a student exchange program

17. BOOK YOURtheTRAVEL EARLYusually get you
Going back home for holidays? Booking early will
a significant discount, especially if you have Young Persons Rail Card

18. LEARNmuch cheaper cooking from scratch and there are tonnes of
It’s much
TO COOK
online resources to learn from

19. DITCH THE TAKEAWAYS
Expensive and horrendously bad for you

20. SELL eBay and sellJUNK junk, especially at the end of the
Get on
YOUR your unwanted
year

21. DON’Tsoooo expensive and you can pick them up at a fraction of
They are
BUY BOOKS NEW
the cost online or at your Student Union

22. BUY THE ESSENTIALS IN BULKlads goes
You’ll be surprised just how much loo roll a house of four
through. Plus it’s cheaper

23. GET get freeTEETHand prescriptions as a student. Take advan-
You
YO dental care FIXED
tage now or it may cost a fortune in later life.

24. DO YOU run and maintain,NEEDrubbishCAR? mates take
Expensive to
REALLY parking’s A and you’re
the piss.

25. PHOTO CREDITS
Bed/Money http://www.flickr.com/photos/mark_e/
Dog/Money http://www.flickr.com/photos/boxchain/
Dog/Computer http://www.flickr.com/photos/50946938@N03/
Dog/Squrriel http://www.flickr.com/photos/bryantscannell/
Dog Balls http://www.flickr.com/photos/dogfacefred/
Dog/Goggles http://www.flickr.com/photos/jamesseattle/
Dog Swimming http://www.flickr.com/photos/mk_xena/
Dog Poker http://www.flickr.com/photos/8833159@N08/
Dog Books http://www.flickr.com/photos/betta_design/
Dog Messy http://www.flickr.com/photos/missmarnie/
Pug http://www.flickr.com/photos/mckaig/
Dog laptop http://www.flickr.com/photos/melodygutierrez/
Dog cables http://www.flickr.com/photos/grapatax/
Dog shopping http://www.flickr.com/photos/gus_nyc/
Dog Bag http://www.flickr.com/photos/jonsiegel/
Dog Cooking http://www.flickr.com/photos/terranik/
Dog Fastfood http://www.flickr.com/photos/_tar0_/
Dog Box http://www.flickr.com/photos/fluffish/
Dog toilet paper http://www.flickr.com/photos/pawprint72/
Mexican Dog http://www.flickr.com/photos/lonniedean/
Dogs Car http://www.flickr.com/photos/emdot/