1. Student Finance What’s available and how to budget!

2. Loans and Grants available – UK students Household income £18,360 Household income £27,810 Household income £39,310 UG Maintenance Loan (up to) £3,365 £4,625 UG Maintenance Grant £2,835£1,260 Tuition Fee Loan £3,145

3. Bursaries and Scholarships If your circumstances change, tell the Students Loan Company www.manchester.ac.uk/ssc/funding/undergra duatescholarshipsandbursaries20089/ www.manchester.ac.uk/ssc/funding/undergra duatescholarshipsandbursaries20089/ International Students – Free medical care (longer than 6 months) – International Advice Team iat@manchester.ac.uk

4. Help! Talk to you bank – Arranged overdraft Student Credit Control – Tuition or accommodation fees Access to Learning Fund – UK students only – Don’t leave it until you’re totally broke! Student Financial Support Fund – International students – Limited funds, unforeseen circumstances Student Union Loan – Short–term, up to £100 cash

5. Part-time work Try not to work too much Save some of your earnings Don’t expect to work in exam/revision times – Budget to allow this

6. How to make the most of your money Phone deals – 10 12p texts a day costs £438 a year – Contract might be cheaper Bank accounts – Be wary of large overdrafts – Interest rates Direct debits Credit cards – Know you can pay them in full – Store cards Shop around

7. How to make the most of your money 2 Student discount Student nights out If travelling, book early – Get a 16-25 railcard Put some loan into an ISA – Can be easily moved out – High interest rate

8. Shopping on a budget Learn to cook! – Cheaper than ready meals BOGOF – Sell-by dates – Something you actually eat! Reduced section Weekly shop Charity shops Rewards cards

9. Final tips Make a realistic budget – Write down what you spend Stick to it! – If you go over one week, try and cut back next time Plan for emergencies – Or birthdays, parties, Christmas, etc… Know when bills/rent are due