Seven steps to take if you’re worried about money

We hope you are enjoying your studies at the University of Northampton, but we know that many students have problems managing their money, especially at the Autumn mid-term point – which if not resolved can negatively affect both your ability to get the most out of your course and student life in general.

The next Maintenance loan payment is not due to hit bank accounts until early January, so if you’re currently feeling a little short or wondering how to stretch your finances over the next two months, here are seven steps you can take now:

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Top 5 bad money habits to break

It’s very easy to fall into bad habits. You may have the best of intentions, but if you’re having a bad day, or your friends suggest an impromptu night out or trip to the shops, you could make a spending mistake – or three – which can make you run out of cash earlier than you thought.

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How to make over your money in the New Year

Happy New Year! We hope you’ve had a good Christmas break, and are looking forward to an exciting 2019!

After Christmas, most people’s thoughts now turn to money. Whether you budgeted well in the first term, or ended up over-spending and maxing-out your credit, there’s always room for improvement. The good news is that by taking small steps you can make over your money in the new term, and by managing your finances more effectively, you can cut down on stress and to better enjoy life at University.

How to do this? See our guide below:

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Money dangers – good and bad credit

As a student, you might be offered opportunities to borrow money – this is known as credit. Access to credit can be both positive and negative. Although it’s advisable to try to live within your means whenever possible, sometimes emergencies happen and in these circumstances, credit will be very helpful. Applying for credit can also help improve your credit rating in the future. However, you must remember that credit is not ‘free money’ – it always needs to be paid back – and if you splurge on credit, it can end up costing you a huge amount in interest and charges.

Here are some common credit options – some are okay (providing you don’t go overboard with your spending), and some are best avoided.

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