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If you're living on a limited student income, it's crucial to budget.
Student loans and interest-free overdrafts can be an essential part of financing your future career, but any other borrowing should be treated with considerable caution. It's also important to avoid missing payments as doing so could have an adverse effect on your credit rating.
If you know you are getting into financial difficulty, please contact Abertay's student advisory service for confidential help.
The good news is, your money will go a lot further here.
Weekly household costs in Scotland are roughly 20% lower than London, and 10% cheaper than the UK as a whole.
A recent survey found that Dundee is one of the the cheapest cities in the UK to live in. The survey included single people and couples, and covered subjects like the cost of accommodation and grocery shopping.
We know that budgeting and finances can seem complicated, especially when you first start out. Here are some *external websites that may help.
UCAS Budget Calculator - choose Abertay University to see roughly how much you'll need per month. Plus see some budgeting tips from UCAS.
From deals and vouchers to phone contracts, Martin Lewis 'Mr Money Saving Expert' has lots of advice for students:
Deals and vouchers including student-only ones.
The Student Information Scotland site has a section on student finance and a tailored student guide all about managing your money.
The WHICH? guide to student finance has banking info, how to budget, and a specific guide for students studying in Scotland:
Save the Student is a helpful site about student finances. Here's their section on how to save money and the bills you'll need to know about.
The Scholarship Hub has a database of scholarships and bursaries for UK and EU students, and also 10 ways to save money.
Unidays has student-only deals, vouchers and money off.
Itison is a Scottish-run voucher site, with local Dundee-based discount deals.
Student Finance advice from The Money and Pensions Service.
Student Beans gives you discount vouchers for student-only deals.
The Guardian Universities site has some useful links about budgets and saving money:
*All these sites are external and Abertay University is in no way responsible for their content. Check the Website Terms and Conditions for full details.
If you find yourself dealing with debt problems, please contact Abertay's Student Advisory Service. We offer a confidential service and can provide support and help. Phone and video appointments are available.
Don’t panic and ignore the problem. It won’t go away and it may well get worse. The sooner you tackle it, the sooner you can start to sort the problem out.