My bank is raping me....

[Bugz]

Food costs can be brought right down if you buy deals etc. only and bulk-buy when the deals occur.

Also if you buy frozen rather than fresh, you will save a bomb.

Buy packaged vegetables/fruit instead of ones you pick yourself UNLESS you are at a market.

Buy meat from the butchers, rather than the supermarket if you can.

Use and abuse the 'cost per kg or cost per pound.' Economies of scale apply to supermarkets too!

 

[tris-]

You really have no idea... do ya.. :/

yes i probably have more of an idea than you.

since im a student in the english university system and you appear to be from the netherlands?

what exactly would you know of the student loans, bursaries, grants and etc that we can get?

would it be ok if the government "bailed me out" ?

whats the difference between the government giving me the money and my parents giving me the same money?

i can actually tell you in 1st and 2nd year therre was people in my class who had more money than me, and they lived in student accomodation. they got concerned for having £1000 in their current account with onyl a few weeks of term left. these are the ones on the full government shit.

 

[Overdriven]

i can actually tell you in 1st and 2nd year therre was people in my class who had more money than me, and they lived in student accomodation. they got concerned for having £1000 in their current account with onyl a few weeks of term left. these are the ones on the full government shit.

I'm getting £1,200~ ish PER TERM after all my accom/tuition is taken away. That's £83 a week to live on. (14 week term, then 2 13 /12 terms) I'm going to in loads of debt, but the degree is worth it. Neither of my parents can support me to the point where they'd be able to cope themsleves. I didn't want to put my parents through anything, so the full loan (even though I know it's a fuck load of debt) to me is worth it. I'll pay it all back too
.
Education is worth it imo.

 

[Ingafgrinn Macabre]

yes i probably have more of an idea than you.

since im a student in the english university system and you appear to be from the netherlands?

what exactly would you know of the student loans, bursaries, grants and etc that we can get?

would it be ok if the government "bailed me out" ?

whats the difference between the government giving me the money and my parents giving me the same money?

i can actually tell you in 1st and 2nd year therre was people in my class who had more money than me, and they lived in student accomodation. they got concerned for having £1000 in their current account with onyl a few weeks of term left. these are the ones on the full government shit.

I may not know exactly about english student loans and stuff, but I do know about the cost of living, after living on my own for well, half your life.
It's not just food you have to buy. There's also a thing called Insurance...
Liability insurance
Health insurance
Car/Motor insurance
Income insurance
or how about government and local taxes?
General purpose costs like:
Water
Gas
Electricity

House or room rent
You want internet in your living? Gotta pay for that aswell.
Want a phone? Landline or mobile? Will cost you.
Perhaps a weekly or monthly magazine...
A game with a monthly subscription

Ohw, and you won't like to walk around naked, so need some clothing aswell.
A new computer every 4 years?

It's not just food you know...
You really have no clue about the true cost of living dude...


By the way, this isn't where the overdraft problem begins, because this can all be calculated in.
When shit happens is when your laundry machine breaks, only two days before the graphics card on your computer decides to call it a night, and suddenly you find yourself at the place where you parked your bike looking at an empty spot.

 

[Golena]

In all this I think it's drifted slightly off topic however.

It's not a question of if you can afford a weeks stuff off a weeks wage. If you can't well your fucked and there's no helping you.
It's about the people who can't afford the weeks stuff + the bank charges off their weeks wage.

Now in order not to get into that situation all they needed to do was live off Pasta for 2 or 3 weeks, then live normally but with that 50 quid buffer in the bank. Instead they spend to zero every week so that when they do go a few pence over they are fucked.

It's not about living on no money ever week, it's about living as you do now, but having got a financial cushion there to start with. If you do that you don't need to reduce your outgoings by 10 quid because you've got 20 quid extra your not paying the bank every week.

 

[Mey]

I may not know exactly about english student loans and stuff, but I do know about the cost of living, after living on my own for well, half your life.
It's not just food you have to buy. There's also a thing called Insurance...
Liability insurance
Health insurance
Car/Motor insurance
Income insurance
or how about government and local taxes?
General purpose costs like:
Water
Gas
Electricity

House or room rent
You want internet in your living? Gotta pay for that aswell.
Want a phone? Landline or mobile? Will cost you.
Perhaps a weekly or monthly magazine...
A game with a monthly subscription

Ohw, and you won't like to walk around naked, so need some clothing aswell.
A new computer every 4 years?

It's not just food you know...
You really have no clue about the true cost of living dude...


By the way, this isn't where the overdraft problem begins, because this can all be calculated in.
When shit happens is when your laundry machine breaks, only two days before the graphics card on your computer decides to call it a night, and suddenly you find yourself at the place where you parked your bike looking at an empty spot.

Your talking dog shite, for starts you don't need health insurance in the UK because its free on the NHS. Most students don't run a car because they don't need too, (that and park is a bitch for most part) so there goes Car insurance and tax, Students are exempt from Council tax and wage tax (upto like £5000 odd a year).

Most student accommodation has internet provided and its pretty easy to find a student flat with all bills inclusive for £60-70 pw.

You can probably buy a range of clothes every season if you shop at Primark so thats what £40-50 every 3-4 months.

Infact it's probably cheaper to buy new clothes than it is to wash them at the moment lol!

 

[tris-]

i also did not realise a new pc was essential living these days.

i do apologise, maybe im lucky from running the same one for the past god knows how many years (which i bought from working, not by my parents).

 

[Huntingtons]

if you cant afford food, go dumpster diving!

 

[Calaen]

Safest bet is to always have a bit of cash in your account, the fact it was a charge off ebay is irrelevant, saying that you dont make enough is also not an answer because if you aint making enough you shouldnt be spending it in the first place.

That said Phone your bank and unless your credit rating is shit they will resolve and more times than not write off the charges to get you back to an even keel.

 

[Helme]

And regarding the new pc every 4 year thing, if you put away £5-10 a month you'll have 1) a emergency account and 2) money for a new top range PC in 4 years.

The thing that drains money fastest is eating out, drinking & refusing to shop at Lidl or other stores like it because "it has bad quality" when it's really no difference at all.

Oh and women, women drain money faster than anything else.

 

[Aada]

And regarding the new pc every 4 year thing, if you put away £5-10 a month you'll have 1) a emergency account and 2) money for a new top range PC in 4 years.

The thing that drains money fastest is eating out, drinking & refusing to shop at Lidl or other stores like it because "it has bad quality" when it's really no difference at all.

Oh and women, women drain money faster than anything else.

So fucking true m8 up until a few weeks ago me and my GF stopped eating out a lot and it is amazing the amount of money you save.

 

[Chronictank]

Oh and women, women drain money faster than anything else.