financial survival guide

7/28/2019 Financial Survival Guide

1/28

Financial Survival guide 2012


2/28

December2011

Note:TheStudentAllowance,StudentLoan(living

costs) andthethresholdfortheCommunity

ServicesCardareadjustedannuallyon1Aprilandincreaseslightly.

diSclaimer

Victoria University uses all reasonable skill and care to ensure the

inormation contained in this publication is accurate at the time o

printing. However, matters covered in this publication are subject to

a continuous process o review and to unanticipated circumstances.

The University thereore reserves the right to make any changeswithout notice. So ar as the law permits, the University accepts no

responsibility or any loss sufered by any person due to reliance (either

in whole or in part) on the inormation contained in this publication,

whether direct or indirect, and whether oreseeable or not.


3/28F Svv Gd 2012 1

ControllingYourMoney 2MyBudget 4MySpending 5Adifferentapproachtobudgeting 6Customiseyourbankaccount 7Banking 8LivingatHome 9Livingin

theHalls 10Flatting 11Transport 16GotaProblem? 18StudyLink 20Working 21Survival 22WordsofWisdom 23AFinalWord 24

Contactdetails 25

FinancialSurvival

Guide2012


4/28

SWBdg

(sd g w 23s)

WhatiSyourWeeklyincome? WhatareyourWeeklyexpenSeS?

StudentLoan

lvgss$169.51

or

StudentAllowance

F, (d24) $167.83

ad bf$40.00

Essentials

r$155

pw$20

p/i$10

c$5

Gs$70

ts$6

ts*$35

a$4

Bs$2

cs/bs$6

Subtotal:$313

Extras

Ss/s$20

e$30

Subtotal:$50

Total:$169.51

or $207.83

Total:$363

*bsdGo Wg 30-d

Weeklyshortfall=$155$193

ovw ss(37ws)sd$5,800 $

7,300.

tSdawd/Sdl(vgs

s)w v w

ss.

Howwillyoumakeupthedifference?

Savingsfromsummer?

Familyhelp?Reducedexpenses?

Part-timework? Minimumwageis$13perhour

10hoursworkis$113.70aftertax(Mcode)

15hoursworkis$170.55aftertax(Mcode)


5/28F Svv Gd 2012 3

Smadmyrcssinddnrweeklyxnss,hrrhr ss mdrngtrmsrsonndtw(37wks). ths nnd:

crsrdss: sdn ns/bks/snr/rnng $900Bnd/fs $1,500trshm

$300chng

$400emrgns$500

Sr/brhds $400TOTAL

$4,000

Problem:Ds snghSdn lnr gng nwn, r shr rwkvngsss hrxnssddd mr hn$9,000 r nnm.

Solution:pnhd! usrwrksh rmnd s s.W wrkbdg wh nddsss r

ns.

Howwillyoupayfortheseextracosts?ClaimtheStudentLoancourse-relatedcostsof$1,000?Accessatertiaryaccountoverdraftof$500to$1,000?Personalsavingsand/orfamilyhelp?


6/284 V uvs Wg

es g ss d ss ss v s .

W

income expenSeS

Sd aw

Sd l vg ss

p w wgs

B

W s

rg ss s

o

r $

pw

p $

c $

Gs $

ts $

ts $is $

a $

Dbs ss $

B s $

Sss $

e $

Weekly income total $ Weekly total expenses: $

37 weeks $ 37 weeks $

y

income expenSeS

Svgs

o ss s

o

t d

Sd l sd ss

B vd

o

cs ss bs, s,

g, g

Bd, s

F s , bddg

V g, WoF, s, s

Ds

Dss csw

hs

t s

ts

Ssbsg

Bdss ss

nwsgS tV

is d

Total inrequent income $ Total inrequent expenses

Grand total income or the year $ Grand total expenses or the year: $

Lookingimpossible?Seepage6foranotherapproach.

ThisisavailableasanExcelspreadsheetonourwebsite


7/28F Svv Gd 2012 5

What kinD oF SpenDer are you?

Jake

Sbw, Bg kg,

ss sv s

w

V c d

Ss b

v s

w s w Ds Fd d

Sd g

Fs d s

Sd

Valerie

tw ws

wd

mf, s s

ds

mv tsd

Ds Fd g

c Sd

Derek

tw s w

DVD

Fd g gg d

d

elizaBeth

c d f

w

o d

Sd g

c DVD

Weekly SpenD:

$145 $120 $40 $25

oVer tWo trimeSterS:

$5,365 $4,400 $1,480 $925

Ws ss j s?t b w sdg.

per Week:

cs ds

twsss

mvs

Ggsbs

DVDs

c sss Total $

Dd dv w d sd

s d w s w s!

For most of us, taking control of your

money means leaving the EFTPOS card

behind and putting a small amount

of cash, which your budget allows,

in your wallet for the week to coverpersonal spending on snacks, drinks

and entertainment.


8/28

Action plan:

-> Calculate how much you need to earn from

part-time work to meet all your expenses.

-> Decide how much you can spend on extras like

drinks and going out. Rather than use EFTPOS,

withdraw this amount in a lump sum for the

week.

-> Organise your bank accounts so that you can

control your budget.

-> Check your account online regularly and look

at your EFTPOS spending-

is it more than you

can afford? Also check your bank fees.

-> Consider yourself a small business. pay

accounts when they are due and make sure

the flats accounts arent falling behind.

What iS your Weekly income?

Sd l

Sd aw

Wgs

Ss

F h

sWhat Do you neeD to pay?

Fg w s v d w

vg w s s. F :

r, w, ,

ess s

c

is

G

cd s s

s

What iS leFt For theSe?

Gs

ps s

anythinG leFt For theSe?

e

cssdsSs

Bds

css

tv dg ds

Anticipate your costs

Budget to pay rent and bills first.Control your extra spending.


9/28F Svv Gd 2012 7

usg b s ws b v

w bdgg ms bs w v b svgs s. y s d

gs d sv g, s w w wd

sd w, w gg b w bs d.

a ss d s v s. t sd dvss

w g w ss.

$169 From StuDylink $150 From WaGeS $50 From parentS

current account

$155

s d s Sdl

$80 s

bs

s d s wgs

$40 s

ss

s d s wgs

$94

eFtpoS s

d, ss d

.

BillS account SaVinGS account

pw

p

c

cs s

Bs ss

cs ss, ss, s, s, s

ss, s , ds, d,

gs, ss, .

Transfer when

needed


10/28

rb g sg b sd g. ts s g bs

s s. t w b 2 3 vd . rw b d m b swg b c Sd.

ATMs on Kelburn Campus

Westpac c Bdg, G 6, s s

National Bank von Zedlitz Building, front of building on Kelburn Parade by trac light

National Bank entrance in front of the Student Union Building

a wd b vds: ts s db.

i sd b sd s . id s s w sss, . w b s d d b g d, g s . a s s, sg vd b

. i s sbs svgs.

a wd b d ds: ts s sv db.i sd ws b vdd!

a wd b db ds: ts b !

a db d ws eFtpoS d, b s b sd w d ds dg. . u d d, ss d v b . ms

bs db ds w b 10 .

-> Be careful! The banks want your money. Those overdrafts need to be repaid.

-> ANZ, ASB, and Kiwibank offer budgeting software with their online banking.This is a great way to keep track of where your money has gone and set up a

spending plan.

-> Online banking is free and its a great way to track your expenses. Check your

account regularly.

-> Many banks offer mobile text alerts. This could help you to know when you're

about to run out of money.

-> Beware of ATM costs involved in using another banks machine-usually 75 cents

to $1.

-> Know your balance! If you don't have sufficient funds it will cost you dearly.Most banks charge honour ($15 to $35) and dishonour fees ($7 to $9).

-> Ask to have a hard limit on your account. Otherwise you could accidentally go

$300 into overdraft without even realising it.


11/28F Svv Gd 2012 9

D v and d v bd? W d dont vg ss

Sd l. y vb s g Sd l db.

t b bdg d w d sv v s d w d

g jb s ss. ms sds d v

ss w b 6,000s d s w s jb dg

ss.

S bdg

Weekly: extraS (DurinG tWo trimeSterS):

tsbs ss 35

Ssds 25

e 45

c 5

Total $110

Total x 37 weeks $4,070

cg 300

hs 150

Bs, s 900

Bdsss 300

Total $1,650

Grand total $5,620

dont use debt for lifestyle. Earn it before you spend it.

thDangrseFtpoSWecantsaythisenough:

eFtpoS isarriblhingwhnicscnrllingyursndingrsickingbudg.

msldn:

- ralishwuchhyarsnding

- adduhirdailyals

- lkahirbanksans

- dcidinadvancwhaaunhycanafrdun eFtpoS


12/28

lvg h rsd b sv vg , b ws. S

dvgs vg s :

n s sss g w wg ds kb, t a, d p ss.

t s sd d , g w g b d

g sg J, w s w g b Wg.

i ss, d s dd , s s ss

.

y w g s g bs ssb s.

Ds s, s v w gs. t Sdl vds s g

v ss, d s d dv ss sd w.

a sd d sg :

neeD to pay: max help From

StuDent alloWance

max help From StuDent

loan liVinG coStS

e* 600 sds 0 0

B 24 Fb 3,130 1s s 0 0

B 27 a 2,817 2d s 1,454 1,186

B 6 J 3,130 3d s 2,078 1,695

B 7 S 2,817 4 s 1,870 1,525

t: 12,494 t b 7 S: 5,402 t b 7 S: 4,406

a 7 S 2,288 1,867

* ob g .

i s s, w d v s 70008000 g

sw s. ps? Svgs? Ss? W? ad gs

s, s, ss, s ss

t Sd F advss dsss w .

LivingintheHalls


13/28F Svv Gd 2012 11

Bd d dv Bd

t dd s ws s bd, b w ws s vg. t w s

bd s dgd w t Svs c. y s bd dg . ts

s sgd b d dd g .

id v sgs s g d v dgs w s bd

d w t Svs. ts s s w s vs . t ss

s s d w s s ddd. t s vg s Bd rd Bd

ts d cg t .

Wg

Sds v sg d bd s vg , w s

v g gg bd b. i s ss w sg d g w

. i b d b s, d s bd ds. is

s gd d sg sg g. y sd b ddd s

g bd dd t Svs c d.

i d , d s v sgd s, s b gg

sg sg g.

adv

ldds d s w ws dv. o dv s

, s d.

t s vg

hw d d sv? Bsd w 155:

conSerVatiVe miDranGe hiGh620tw ws bd d w

ws .

930t ws bd, w

ws dv d g

ws .

1,085F ws bd, w

ws dv d g

ws .

PLUS: sg ss, sgs bd, ds, dws, gs, .. t s ss w v

g ddg w d v. i d b s s d g

sdd gds, 500 1,000 w g bss.

TIP: Dont leave finding a flat until its too late. Secure a flat by mid-January. Rentdemand and prices peak in February.


14/2812 V uvs Wg

eis js s bdg w b s s w s 20 w

s. hv s sd s gs g w b vs

g ds!

tipS:

m s s bg d. t b w d w s bsd dg

s. i s sd w, w b g w s d. y

vd w w dg s.

Vs www.powerswitch.org.nz s d vds.

pws www.powershop.co.nz s d, w s g g w b d.

y s g s s g s d

g ssd b g b w.

S ss g bd. us, s b vdd sg d db

.

n s g g w dsd, s b sv , 55ds s 125 !

t bggs s s w g. t b w, w s sws d s

d w wsg s.

www.energywise.govt.nz s s b svg .

p d e g: 93 d d 20 GB bdbd, w wg s

d .

Toll callsIf you are splitting the bill with other people, it can be tricky to figure out who owes what for toll calls. Some companies

offer individual PINs to keep track. Some flats set up a toll bar so that no toll calls can be made on the landlineits

either calling cards or cellphones. (Make sure 0900 numbers are blocked)

S d bs ds . S vds Wg d t, ts c,

o, Ws d a.

W w d? ld?* t s? hw GBs ? p tV s w?

*t w s bdbd w d

S d d w w sgg c s? c ds? W s ? W s g v d w?

Wg c s w ss s bs w, d V uvs s w

ss sds ss.

csW d vdg s d sg w . cs s

b b d. p s d s.


15/28F Svv Gd 2012 13

iscs s s bggs

s dgd. y g v 250

gs 2500.

lb s s s w s s. ts

s dg d d s .i s s g , d b

d ssb dg d , v

s . lb s d sv wg

sds sg gs wg.

e g: 20 v 10,000

sssss, s b v.

S d. G s b d s

s.

Note: Your insurance can only provide cover for your belongings and damagethat you are liable for. It will not cover your flatmates, and your flatmates

insurance will not cover you.

-> Yougethometofindthatsomebodyhasstolenyourlaptop,youriPod,andyourguitar.Canyoulivewithoutthem?Ifnot,canyouaffordtoreplacethem?

-> Anelectricalfaultstarts

afireinyourroom.Itisput

outquickly-butfire,smoke,

andwaterdamagedalmost

everythingyouhave.

-> Youaccidentallyspillhotoilonthefloor,whichmeltsthelino.Itwillcost$1,500tofix.

->Theflatwashingmachin

ehas

beenslowlyleaking.Bythe

timesomeonenotices,ithas

donemajordamagetothe

floorbelowit,whichwillcost

$18,000tofix.Thetenantis

liable!

-> Thevacuumcleanercordknocksalampintoalargewindow,breakingit.Itwillcost$1,100toreplace.

G g ss

ad Sv

www.victoria.ac.nz/accommodation

V uvss ad Sv s , dg sgs. ed

s d b dfs sds b g w d, s s

df s dg w dds. t 95, d.

D Bdg d hsg

F sss, dg v s dwd, g www.dbh.govt.nz.

l s g gd Fg 101, www.dbh.govt.nz/atting-101

sd..

www.sorted.org.nz/lie-stages/starting-out/going-atting

t sd wbs s dd b sd g.


16/2814 V uvs Wg

Fdt sd d dds bs. p w w

s, bs ds, d vd sv gds sd 30 w. p w

w gds sd d 80 w. p w b d g

s sd 150 w.

Bg gs d g s bs w sv .W v dd sg s d g s wbs

www.victoria.ac.nz/st_services/fnadvice/surviving/ataccount.aspx

Money saving Tips-> You can get excellent prices for fruits and vegetables at the Sunday Markets (7am to noon)

at the carpark on Willis Street opposite uStay McKenzies and at Waitangi Park, next to Te Papa.

-> Shop wisely: buy whats on special and stick to the essentials.

-> Buy enough at the supermarket to cover your basic needs-a list is helpful.-> Visits to Fix or dairies are expensive.

-> Eating on campus is expensive. You can save money by bringing lunch from home.

There are microwaves at some places around campus to heat up your food.

Bg gs

i d s bs g s d d v v s,

sd dg gs www.woolworths.co.nz/homeshopping. t v s

Sg Bdg ls.

y s dv d d , d s s 13.25 d v s bw 100 d

200. is sv w dg sg. t sv s vb Wg d

s sbbs. p s b ddb d s d db .

Sds w v sd s sv v d s ws w d svs .

Cook ! You will save money

and fuel your brain


17/28

F i g, w v b w s s d bs g

d d v s g s.

W d

o w bss sd , s w s wds w d s.

i s 155 w, sd s 185 w.

t b sg s s w bss. t gs

d dd s b d w d bs g d

b bg. a sd bs s s Sky d b bdgd d

d s w.

F , b w t n B s sd s j w w s w v , s

s. a sggs s s w b s d

s. W dd s w s s w

sgs d s wdws. ts w vd b v

d w sgs s .

o ds sd ssb: g w d bs , d

g v s g w s.

p b s dg d.

If you anticipate your costs and put the money aside for it, you and your flat willstay out of strife !

W s ss ws

W v g , s ssg

. ldds d ws s d d s ws

s ws g s. ts b b w .

i b d d 50 60 ws wds bs, d s sg

s d s.

W v g s w w bss, s ss b

s vs d. y w b .

t Sd F advss d

s s bdg, dsss

, g sg gs sd

d sgd, d gv dv wd

g sss ds g 25.

Somebanksofferfreeonlinebankaccountsthatcanbeaccessedbymultiplepeople.Ifyourbankdoesntofferasolutionyoulikeforyourflataccount(forexample,chargingfees),shoparoundwithotherbanks.


18/2816 V uvs Wg

BsWg bss g v . pg s s ws s sv . F g

ss, w d sg S cd, d ssb 30d ss, ddg s.

a w one zone ss 1.60 S 2.00 s

a w two zones ss 2.58 S 3.50 s

a w three zones ss 3.44 S 4.50 s

S m wbs g w s bs s w b: www.metlink.org.nz

Go Wg 30 D pss

F 140, v G Wg bsss s s w w zs 13 30 ds

s S s. t s 35 w. t b w s w

w d w w w s. Wd sv b sg 30d ss?

For more inormation, contact Metlink:

0800801700

www..g.

t

From/to ten trip monthly

p d lw hWg 36.80 115.80

u hWg 68.00 204.00

pWg 47.20 141.60

m s b dd , s ds d. t m

ssg sv d m a dvs ds 15 s.

For more inormation, contact Tranz Metro:

0800801700

www...

SnapperCardscost$10tobuy,butifyouusethebusmuchatall,theywillsaveyoualotofmoney.


19/28

cb

Sg sd 1.00

10 9.00

20 17.00

30 24.00*

*Bs bsvgs 6 v sg s.

ca b v sg d s s w n

isd b sv d bw bdg. rgs, WoF, s d s

dd 1,000 . F s sds, bsg s s g

. i s s s bs g vs wg ds.

WarningIt is very hard to find parking on campus and the parking wardens police the streets constantly.

pg ss

pg s ss s uvs s s g

w s. t g s sgsd. cs s 7.50 d d b

sd us kb cs, s ds, d nw Wd ss.

ms sbbs sds g w s 115 . y g

c c fs cv S.

SSs d mds w nss gs d 50, b dd s b

s s. S gs, , d ,d g s . hwv, s d sd ss s g, s, d

s s w! n s wg wd b s s .

Learn about scooters at www.scootersurvival.co.nz


20/2818 V uvs Wg

hds Fdt hds Fd s g d s sds g dfs. t Fd s

sds . egb sds d Sd

l. Gs vb wd g bs dg:

- dd ss- g sd ss

- g s ss

- g bs

- d ss.

t advss F S d adv ds Fd. F 04463 7474.

F ds vb wbs www.victoria.ac.nz/fnadvice

e SdlSpecial needs grants

Sds b gb wg:

- d gs 400

- d gs 300 g d

- d gs 300 d gs

- g g gs 500

- s w gs 300, jb vw ss s s w s d v. t jbds b 30 s w s s ws.

Advances or recoverable assistance

advs bd, vd w bs, gsss, ss s, s

vb. y d s b.

F s d g www.studylink.govt.nz vs f.

t Sdl o of, Wg s 195201 Ws S, bw D d G Ss,

8.305 d Wdsd 9.30 s.


21/28F Svv Gd 2012 19

hwww.victoria.ac.nz/studenthealth

F d d s vs Sd h Sv.

css sds w w sv s p h pvd pho.

coStS Doctor nurSe

ed s n s n s

nd s w cSc d* 21 15

nd s w cSc d* 36 15

*ts 2011 s. a s s s 2012.as w s dg w g sss, ds d ss, svs s s s d

dg s vb. a s s v sbsdsd s sds.

Kelburn Campus p 04463 5308

Pipitea Campus p 04463 7474

c Svs cd cSct c Svs cd ds ds s, s gs d s ss d sv

. u 90% sds c Svs cd. egb s jdgd

s s. t sg s vg w s s

24,461 gss s gs djsd 1 a.

a s vb Sd h Sv, F S d adv Sdl.

i 0800 999 999

D svsDsd d s vb V sds Ss d Sv & asss d c D.

t b g 60 , s d bs d 20% ds s

. y d sw sd iD.

Symes de Silva & Associates

9799 c p

04801 5551

Opening hours:

m t 8.309;

F d S 8.305.30;

S 95

Capital Dental (Newtown)

125129 rddd S

04389 8880

Opening hours:

Wds 85

Capital Dental (Petone)

272 Js S, p

04920 0880

Opening hours:

Wds 8:305:00

Sdl v S nds G g d sds w . t

g s 300 . y w d g ds eg D t sd v d g vd b Sdl b gg d.


22/2820 V uvs Wg

Gg dStudent Loan (living costs) or Student Allowance:

ts s d w.

t s s dg sd w 12 March 2012.

t s s dg w d s 19 November 2012.

Ds F ed d sgd sds d.

t s s s wbs www.victoria.ac.nz/fnadvice s s

Sd l.

cs d ss 1,000t b d s s 14 ds b s s d. y s bdg v

ss, . 500 m d 500 J. c g mSdl. t s

d dd b . i sd v s, w g 1,000 s

.

Wdwg w dDates or 2012 are:

16 m 2012 ts 1 d 27 J 2012 ts 2

WarningCancelling your Student Loan does not cancel your enrolment. You still need to formally withdraw from your courses before

the final date for refunds or you will be liable for the cost of the courses.

u BSd hdsts b s vb v s b. t b gb s b g sd wg

d gsd w Sd Jb S. i v Sd aw sb. i d, w v sw vd ds, vg v

s.

y g my.studylink.govt.nz . a b early, s w ws b

s ds. t s w sddw d. You will be without income or one week

ater your allowance or loan living costs stops and the beneft starts. In 2012 this will be the week o

26 November. i g jb, ws b.

ThinkaboutminimisingyourStudentLoandebt.Evenifitsinterestfree,itsstilladebtyouhavetorepay. Ifyouareworkingpart-time,maybeyoucanavoidclaimingthelivingcosts,especiallyifyouliveathome.


23/28F Svv Gd 2012 21

Fndngwo

Vcs(www.vo..nz/s)

Fnd sf no ou w ou cV,nvw on nd o job unng ss.W s su, , su o nn wo, nsssou. Vs cs rsoucn, ou xn wbs o, us ou Sudn coung Svs (ScS) oun o ognnd ss Vochub (http://careerhub.victoria.ac.nz) ovds ou w ou nd onow bou job vns nd vns.

KelburnCampus: 14 kbun pd (mon, tus, tu, F 95, Wd 10.305)PipiteaCampus: Don sssons vb. pon 04463 5393.

Sudn JobS (SJS)(www.sjs.o.nz)

SJS s sudns nd wo. eno on wbs nd v oo job dvsns. Jobofs o n o os nd ou ns ondng job b ou dvsns gu.

Minimumwage is$13 perhour. Ifyouare receiving theStudentAllowanceyoucan workup to15hourson minimumwagebefore you reachthemaximumallowedearningsof$203.13 perweekbefore tax.

irDtxcodstodbndx ods

- m snds o mn no. you n on v onjob (o own) w n m od.

- S snds o Sond no. a nos bsds ou mon w v n S od.

- Sl snds o Sudn lon nd ns so oou go o irD o ofou Sudnlon. iou o goss nngs o ov $19,084, ou w b qud o son oou Sudn lon.

So oug Sudn aown, w us mod, nd n wo ou g w us nS od.i ou don g n aown, ou soud us n mod o ou gs ng job. i ou vo nonjob, ou soud us S ods o os.

iou v sudnon ou w v o us Sl w ou x od, . mSl, SSl.

StudentFinanceAdvisersarehappy tohelpyouestimateyourtaxableincomeanddecidewhichtax code touse. Seethebackcoverforcontactdetails.

Grosspay=beforetax Netpay =takehomepayToseehowmuchyouwillgetaftertaxgot

owww.ird.govt.nzandsearchfor'payecalculator'


24/2822 V uvs Wg

t Ss W c tw s gd

Louiews sg w w s. h ws gg Sd aw d ddd w

dg s. h jd gg w s ds. F w ws s d

1,000 s ss Sd l sd d d s s vd. h ws wg

s d w s w w vsd bs vb ds.

B g wd s ws 810 d s s d v. h d v

d . h d d jb s, b ssgs w d s ws sssg .

Moral: a v d s ss! m s ws s. D bs

bg b d.

Jeremy vd Sd aw d wd s jb. o wd s d

g d v w. h g ms S

Dv dvsg db 1,349 d v s aw. D g

s g d J g g. h gd gg s w djsd ws

w d v .

Moral: B w sd. i d dvs Sdl, w d w db

.

Kate sgd s bgg ts 1. t s d d ws 20 Fb

wg . Dg w s vd . t s w s. iws s d s d g d. k d w s

dg d s d sds bd.

Moral: ev sd sg s d b ; d sd

s s sg sg g d s s.

James d s s g wd s s s. hs Sdl

d wgs v wg ws wd bd g sd s. h

s b d ws sw sg. B b s

ws d, ws 1,500 s! W d s b ss, sd d b sdg

b 100 w d d ds, bd s vdd h. h d

dd s d.

Moral: c b ss g s s gg w sd b. hv

ss s sdg.

Deanna ws gg Sd aw d s w w g . i vg w

s wd g b 10 s w, w ws g v ss vg ss. Ss

s wd w w, d s wd wd s w bg g w ds

w ss. t w ws w w s d v w, d s d

d bs bs s.

Moral: i vs, bs bdg . i s w ,

s sd svgs s w g v ss.


25/28

adv vs sdsi 2011 sv dd b F S d adv, d V sds w sd

w dv wd gv s sg s vs. h s

sws

F Svv Gd 2012 23

Flattingisexpensive.Stay

athomeifpossible.

Borrowedmoneyisnot

freemoney.Useitfor

thingsyouneed,not

thingsyouwant.

Budget, budget, budget!

Shop at the vege markets

and learn to cook.

I didnt work in first year

because I didnt need the

money at the time, but

in later years I really

wished I had.

Payrentbeforeanythingelse.Dontdrink.Itsavesyouso

muchmoney!

on't spend money on

akeaways and other

eals if you are already

aying for meals at a

all of residence.

I found that in my first year of

study I had a lot of money and

didn't need to worry. I spent all

my savings carelessly and now

have a tighter budget to beable to pay all my costs.

Despite what everyone else is doing, useyour course-related costs for things thatare actually course related. It's an easy

$1,000 debt you can avoid if you don't use itfor personal things like going to concertsor buying alcohol. You'll feel stupid whenTrimester 2 starts and you can't affordyour text books.

The summer holidays before uni

starts, get a full time job and

save. You never know when or where

you will be able to get a job during

the trimester and it is better to

have some money saved up.

Get out a set amount of money

in cash each week and use

that for spending. EFTPOS cards

are too easy to use and you

dont keep track of how much

you are actually spending.

Make your own coffee!


26/2824 V uvs Wg

MANAGINGMONEYISSUESISNOTE

ASYFORMOSTPEOPLE.

Ifyouareseriousaboutyourstu

dies,itsimportanttomanageyo

urcoursechoices,yourstudytim

eandyourmoney.You

shouldthinkofyourselfassel

f-employedandyourjobasStud

entInc.

Therealityformoststudentsist

hatthereisnevermuchmoney

leftoverafterpayingthebillst

ohavefun.Often

theresnotevenenoughtopayt

hebills!Weseestudentsevery

daywhoarestrugglingtocopew

iththis.

However,itispossible,withsom

eplanning,topaythebillsand

haveabitoflifestylefun-andi

tsourjobtoshowyou

how.Sodontstresstryingtosor

titoutonyourown,comeands

eeus!

Maria,Laura,andN

icky

2011FinncilSupportndadvicecommentsfromstudentsw

housedourservice:Thankyouforallyourassistance, itwaswonderfulandinvaluableadvice.Thankyousomuchforyourhelp,I waslosing sleepoverthisandIfeelso relievednow.

Thankyousovery muchforallyourhelpandadvice.Ithelpedmesomuch totalkto someonewhoknewwhattodo.

I really appreciatedhowhelpful andpleasantitwastoworkwithyouovermyfinancesandchatitthrough.I cameoutofthemeetingfeelingrefreshedandabitmoreeasythanwhenIfirstcamein.

Thankyousoverymuchforallyourkindness,help,support,andunderstanding,bothpracticalandemotional.I wouldnothavesurvivedwithoutitandcantevensayhowgratefulI am!

Itwasinterestingandverybeneficialtotalktosomeonewhowascompletelyimpartialandcould providebudgetadviceinawayI hadntconsideredbefore.

Iamusuallyaware and consciousofhowmuchIspend, butyouradvicehasopenedmyeyestonewwaysofsaving,whichwillnodoubthelpmeintheyearsto come.


27/28

to make an appointment phone 04463 7474

the StuDent Finance aDViSerS are at (uSe any location):

kb cs lv 1, h Bdg

hs: 95, md Fd,

p cs lv 2, rw S, Ws Wghs: 95, md d tsd,

ts 3

t a cs Gd F, 139 Vv S

hs: 12 3, tsds, ts 3

k cs G k c k lb

For General querieS anD inFormation:

Phone 04463 6644 04463 6658Email sdds@vw..

Website www.v..dv

h


28/28

Financial Support and Advice

p 04463 6644

F 04463 5252

e sdds@vw..

Wbs www.v..dv

Accommodation Service

p 04463 5896

F 04463 9974

e d@vw..

Wbs www.v..d

Student Recruitment,

Admission and Orientation

p 0800 V 842 867

04463 5374

F 04463 5193

e sdv@vw..

Wbs www.v..sds

financial survival guide

Documents