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Money

Coins, a small stack of supermarket receipts and a handwritten budget page on a kitchen table, morning light from a window behind, seen from above.

Student money has an awkward shape. It arrives as one or two large payments and leaves as a hundred small ones, across eleven or twelve weeks, against costs that are mostly invisible until they have already happened. A bank balance is a poor instrument for managing that, because it says what you have and nothing about what is already spoken for.

The guides here build the three things that make the shape manageable: a sheet with a single weekly figure at the top of it, a ceiling on paid hours that is set before a rota is agreed rather than after, and a tenancy signed with the agreement actually read. Where the arithmetic does not work at all, the useful responses are institutional rather than personal, and they are named rather than implied.

Filed under Money Most recent first
A ruled notebook page filled with a handwritten monthly budget, a small calculator and a bank card beside it on a table, overhead shot in soft light.
Money

A budget sheet that survives term one

Fixed costs, weekly costs and the small leaks in between. The sheet works when it is filled in on the same day of the week, every week.

A person in an apron wiping down a cafe counter in the evening with the chairs already stacked, warm interior light against a dark window, seen from across the room.
Money

Part time hours without wrecking the term

Paid work during term is normal and manageable up to a point. Where that point sits, which shifts do the least damage, and what to protect when the rota changes.

A set of house keys on a ring lying on a stack of printed tenancy papers on a kitchen table, a pen beside them, morning light falling across the pages from a window.
Money

Deposits, bills and the tenancy

The largest line in a student budget is signed for in a hurry, months in advance. What to check before signing, what to record on the first day, and how a deposit comes back.

Next section

The same term produces the first application

Coursework, a summer job and a committee role are the material a first CV is built from, and they read very differently depending on how they are described. The first job section covers the page, the interview and the reference.

Go to First Job