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How to stay financially healthy as a student or recent grad (without giving up on having fun!)

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There’s a trope amongst popular culture about the skint student living off instant noodles and tinned soup – and it’s true that studying full time and having little time to work, trying to live off your student maintenance loan, can be tough.

Struggling for money as a student is far more socially acceptable than when you’re a fully-fledged, working adult, but that doesn’t mean it’s not stressful trying to make ends meet while you study. Worrying about money can take up valuable space in your brain, which could be better used for cramming for exams or all-nighters in the library.

Here are a few ways that you can stay financially healthy as a student, without giving up having fun all together:

Pay yourself monthly

One of the quirks of student finances is that maintenance loans are paid once per term, but bills are still monthly. This can leave you feeling really flush when your loan hits your bank account, but completely brassic towards the end of term.

A great way to manage this is to have a separate basic bank account to have your student loan paid into, and set up a standing order to pay yourself a set amount per month to cover your food and bills – and hopefully a bit of a social life. Not only will this make things easier in the short term, but it will also get you used to the financial rhythm of employment, where you will usually be paid a monthly salary.

Have a basic budget

There’s no need to over-complicate things, but creating a simple budget for your living expenses is a great idea. Not only will it help you to manage things while you’re a student in terms of making your limited resources last, it’s also just a great habit to get into for adult life.

Try not to see it as a restrictive measure, because budgeting isn’t about having to say no to every fun thing that comes along – it’s about figuring out what you can afford to say yes to, and learning to prioritise. As someone who had a bit of a giggle at a friend who ran a budget spreadsheet throughout our time at university, I can tell you – she’s the one who’s laughing now.

I’m a student on furlough from my £6.9k-a-year part-time job – how do I start planning now for my financial future?

Learn to cook

You don’t have to become a gourmet chef, but knowing how to make a few good quality, filling dishes can save you a lot of money.

One-pot dishes that can be batch-cooked and frozen will save you time and stop you from resorting to Deliveroo after a late lecture or library session, while having go-to staples for when money is tight, like jacket potatoes with various fillings or simple pasta dishes, will stop you from blowing your budget. Check out Jack Monroe and Miguel Barclay for amazing, cheap, simple recipes.

Pool your resources

If you’re in halls or a house-share (and you like your housemates), work with them to have a shared catalogue of things like spices, condiments, electronics and appliances before you think about buying something new.

Borrowing is cheaper and better for the planet than buying and consuming more and more goods, and there’s a social aspect, too.

Find the right support

There’s long been a need for good financial support and advice for students- it’s a crucial time to learn about good money management, but that need is often ignored, and students are expected to put up and shut up when it comes to money worries.

The team at student financial education platform Blackbullion are doing great things to try and combat this, to reduce financial shame among students and set them up to have a healthy and fulfilling relationship with money in their adult lives.

Beware overdrafts and Buy Now, Pay Later

We all know that credit card debt is real debt, but overdrafts and BNPL can feel like something of a softer version of debt, which can be a bit of a slippery slope for students.

As someone who finally paid off my student overdraft aged 30, I’d warn against absorbing that huge 0% APR temptation into your ideas about how much money you have and what you can afford. Similarly, with BNPL, remember that second part – you really do have to pay it back later, and fees and charges can be applied if you can’t afford the repayments.

How Millennials can achieve financial freedom in 10 years (from someone who went from being £25,000 in debt to saving £500k)

If you need to spread the cost of something, always make sure that you include it in your budget and you have a realistic and affordable plan to pay it back.

Love our Money Matters column? Feel worried about your finances? Or just want some expert help on how to achieve your financial goals? Get in touch with us at [email protected] to submit your own money diary and gain access to our expert-led advice, tailored to your finances! These submissions can be anonymous.

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Cardi B Shares A Few Thoughts On Female Rappers

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Cardi B is sharing a few thoughts about rappers these days. Check out what she had to say below.

Someone said: ‘Criticizing the messenger still won’t take away from the message…ITS FACTS 💯’ and another followr posted this: ‘Love her or hate her she ain’t lie whatsoever people don’t respect female rappers and women be the first ones to hate on them.’

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One other follwoer said: ‘Did you see the episode of Wendy, where she named ALL of the beefs Nicki has had in the industry over the years? I mean it was well over 40. That woman has been problematic her whole career.’

One fan said: ‘nicki also wrote a letter requesting mercy for her child molesting brother. No one is listening to her,’ and a follower said: ‘She’s ain’t lying tho. Drake boring as hell lol.’

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One fan posted this: ‘Just wear Adidas like Missy Elliot and spit bars then i guess, the image you put out is the image you keep, but hey she can always switch it up, i think these females rappers just just do what they want and not feel the need to satisfy everyone, that’s won’t make ya happy in the end.’

Vin Diesel   is making  Cardi B   fans happy with this latest announcement. Check it out below.

The Shade Room noted that fans are gearing up for the highly-anticipated ninth instalment in the popular Fast And Furious franchise; # VinDiesel recently spilt some exclusive details about Cardi B’s future in the multi-billion-dollar film franchise. During a recent interview at the premiere of “F9,” Vin Diesel said that Cardi B was such an asset to the film that her character will return in the 10th instalment, which is set for a 2022 release.’

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Rosie O’Donnell Addresses Ellen DeGeneres’ Daytime TV Exit

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Rosie O’Donnell is giving her thoughts on Ellen DeGeneres‘ exit.

The 59-year-old former talk show host spoke out during an appearance on Sirius XM’s The Jess Cagle Show on Wednesday (June 23).

PHOTOS: Check out the latest pics of Rosie O’Donnell

Click inside to read more…

During the conversation, Rosie said Ellen‘s exit might be more “complicated” than people may think.

“I have an understanding of the cycle of show business, and kind of what happens in people’s careers, and when enough is enough. Oftentimes people don’t know that. I think I have a good balance of both in my life, of the importance of both. And it’s hard to maintain. It’s hard to do, especially when you’re doing a show like that,” she said.

“I don’t think it was the ‘be kind’ thing that got her. I think that’s oversimplification. But it was a lot of things, and it was complicated, and I’m glad that she’s, you know, going to be finished and she can get some time to herself,” she continued.

“It’s a huge kind of strange thing to be on a show like that, and have all that attention on you. And she had it for like 19 years. So, you know, it’s a tough thing.”

Another talk show host had a much more shady reaction to the news.


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Dermalogica’s “Smart” Serum Responds To Exactly What Your Skin Needs

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if you’re anything like me, you deal with more than one skin concern at a time. I’ve got fine lines, PMS breakouts, dry spots and hyperpigmentation to deal with. How much depends on the day. (Thanks, 30s!) Luckily, Dermalogica’s Smart Response Serum is made just for that ever-changing skin. Unlike serums with just one or two active ingredients to target one issue, there are four actives that hydrate, brighten, soothe and reduce the appearance of fine lines and wrinkles. All in one bottle.

Even better, Smart Response Serum understands what your skin needs before you do, taking a lot of the guesswork out of skincare. The brand calls it “SmartResponse” technology. It gets a little tech-y but basically, when your skin feels dehydrated, oligosaccharides from hydrolyzed beta-glucan kick in to deliver the hydration your skin is craving. Hydrolyzed wheat flour, rich in arabinoxylan-oligosaccharides (or AXOS) triggers to brighten and reduce the appearance of dark spots.

Our mission at STYLECASTER is to bring style to the people, and we only feature products we think you’ll love as much as we do. Please note that if you purchase something by clicking on a link within this story, we may receive a small commission of the sale.

Dermalogica.

There’s also antioxidant-rich Japanese Cornelia cherry to soothe redness and help skin fight free radicals, as well as plant-based mannose-6-phosphate to plump skin and fight the signs of aging, helping improve the appearance of fine lines and wrinkles. Phew! I told you this baby does a lot.

It’s hard to see drastic changes in just a few weeks with this type of skincare, that works to help prevent damage. But using it morning and night, my skin feels plumped and hydrated. Overall, it looks a lot brighter, too. My makeup is going on a lot easier on those dry spots and it’s calming irritation on my sensitive skin. I’ll definitely keep using it and being consistent so the ingredients have the proper time to do their magic.

It’s not cheap, but this four-in-one could replace some of your other skincare so you’ll use less overall. Grab Smart Response Serum now at Dermalogica and Sephora.

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