MONEY MATTERS

BUDGETING AND FINANCIAL SUPORT–

WHAT YOU NEED TO KNOW

BUDGETING

ALDI - ASDA - TESCO - SAINSBURY’S - M&S - WAITROSE

LEAST TO MOST EXPENSIVE SUPERMARKETS

SUPERMARKET COMPARISON

GROCERY BASKET COMPARISON:

Aldi £43.50 - Waitrose £60.34

Difference of 28%

GROCERY DELIVERY /

GROCERY SHARE

TESCO Minimum spend: £40

Delivery charge: £1-£6

Under £40: £4 charge

ASDA Minimum spend: £40

Under £40: £4 charge

Delivery charge: £1-6

WAITROSE Minimum spend: £60

Delivery charge: None

SAINSBURYS Minimum spend: £25

Delivery charge: £1-£7

Under £40: £7 charge

COOKING 101

1. GOOGLE RECIPES

2. DON’T SUBSTITUTE

INGREDIENTS

3. BE AWARE OF THE COOKING

TIME

IF ALL ELSE FAILS… CALL MUM

OR DAD*

*Unless it’s 3am

ON CHEAT DAYS…

FOOD DELIVERY!

JUST EAT https://www.just-eat.co.uk/

African, American, Bangladeshi,

Caribbean, Chinese, English, Greek,

Jamaican, Italian, Japanese, Lebanese,

Malaysian, Mediterranean, Nepalese,

Oriental, Thai, Turkish, West African

HUNGRY HOUSE https://hungryhouse.co.uk/

African, American, Bangladeshi,

Caribbean, Chinese, English, Greek,

Jamaican, Italian, Japanese, Lebanese,

Malaysian, Mediterranean, Nepalese,

Oriental, Thai, Turkish, West African

DISCOUNTS

UNIDAYS

MOBILE APP Student Discounts

-15% National Express

-20% Levi’s

-15% Adidas

-15% GAP

-10% Dr. Martens

-10% Asos

FREE. Full list:

https://www.myunidays.

com/

16-25

RAILCARD -Anyone aged 16 to 25,

or over 25 and in full-

time study

-Get 1/3 off Standard

Anytime, Off-Peak,

Standard/First Class

Advanced train fares

and tube fares

-Costs £30 for a year

Link: https://www.16-

25railcard.co.uk

VOUCHERS

AND CODES -Dominoes

-First Bus Pass

-Hotels.com

-Bella Italia

Online or post on the

University of Essex

Freshers’ Page 2018-

2019

Budget Help

• Blackbuillion – www.blackbullion.com

• Blackbullion is a fantastic tool for money management

tips and advice. Log on to find fun and interactive tools

to give you the confidence to manage your money

effectively. This can be accessed by all students and we

highly recommend taking advantage of this free, fund

and interactive tool.

Freebies and Competitions!

Keep an eye out on social media for fun and interactive

competitions where you can win prizes!

https://www.blackbullion.com/studentfreebies/

Fees and Funding

• University webpages

• www.essex.ac.uk/fees-and-funding

• Advice and information regarding funding sources

Charitable Trusts

• There are hundreds of charitable trusts that offer grants

to support students

• Turn2Us (https://grants-search.turn2us.org.uk/) provides

a search function - search for ‘higher education’

• Education Grants Directory

• Grants Register

JOBS AVAILABLE ON-CAMPUS

STUDENTS UNION:

https://www.essexstudent.co

m/jobs/

Current Vacancies:

-SU Bar Staff

-BAME Community Organiser

-Student Trustee

-Postgraduate students’

Community Organiser

UNIVERSITY:

https://careerhub.essex.ac.uk/

JOBS AVAILABLE OFF-CAMPUS

Opportunities in Colchester:

CareerHub

https://careerhub.essex.ac.uk/

Part-time Jobs in Colchester:

Restaurants, Cafes, Clothing Stores, etc

-Walk in and enquire about job vacancies

-Bring Student ID

Financial Support

SU Advice Hardship Loan

https://www.essexstudent.com/money/

Up to £100 interest-free loans for students who are struggling financially,

to be paid by the end of the academic year.

Completely confidential, apply online.

Financial Support

CLICK Platform

https://www1.essex.ac.uk/thankyou/crowdfunding/default.aspx

A free crowdfunding service by the University. All fees and costs are

covered so students receive 100% of the pledges.

The university matchfunds – for every £1 raised, the university gives you

£1 (certain criteria apply).

Financial Support

University of Essex Hardship Fund

• If you find yourself in financial hardship you may be eligible to apply

to the University of Essex hardship fund. This fund uses a

combination of actual income and costs, some of which are capped

amounts and allowances set by Hardship Fund Committee, National

Union of Students (NUS) and National Association of Student

Money Advisors (NASMA)

The University Hardship Fund opens on Monday 3

December 2018

Financial Support University of Essex Hardship Fund – Eligibility

• In order to apply you should:

• be fully registered at the University of Essex for the current academic year

• be classed as a Home (UK) student

• have taken all support available to you via Student Finance, Postgraduate

Loans from the SLC and/or NHS

• have taken all other funding that you may be entitled to, including welfare

benefits and tax credits

• show that, across the academic year, you have/will have sufficient funds to

cover your full tuition fees, plus at least £5,000 towards living costs

(postgraduate students)

Financial Support

University of Essex Late Funding Loans

• Late Funding Loans are available to undergraduate and

postgraduate students who are eligible and have applied for funding

from Student Finance or the NHS, but have not yet received any

payments.

• We'll help with a loan towards basic living costs. It will not be

sufficient to cover rent or tuition fees. If you have dependent children

you will receive a higher payment.

• These loans are interest-free. Repayment conditions apply and will

be discussed when you apply.

Financial Support University of Essex Late Funding Loan - Eligibility

• In order to apply you should:

• be fully registered at the University of Essex for the current academic

year

• be classed as a Home (UK) student

• be eligible and have applied for maintenance support from Student

Finance or NHS (you will be required to provide evidence that you

have done so)

• not yet have received any payments from your funding provider

• be aware of the reason why your funding has been delayed (if you

are not aware, we will ask you to contact your funding provider

before submitting your application)

Financial Support

University of Essex Bursary

• We offer a generous support package if you're starting your

undergraduate course in 2018. Our bursary is aimed at meeting

financial need. If you're eligible you'll automatically receive £2,500 over

three years:

• Year one: £1,000 – split into two £500 payments in February and

May

• Year two: £1,000 - split into two £500 payments in February and

May

• Year three: £500 – split in two £250 payments in February and May

Financial Support

University of Essex Bursary – Eligibility

• You must meet all of the following conditions:

• be eligible for UK home fees and ordinarily resident in the UK

(international and EU students are not eligible)

• have an annual household income of up to £25,000 as assessed by

Student Finance England or other UK student funding provider

• have registered to study a full-time undergraduate course at Essex,

starting in 2018-19

• have made a means-tested application to Student Finance England

(or other UK student funding provider) with Essex as your chosen

institution, have given your consent to the sharing of financial details

and have been deemed eligible for support

Financial Support

University of Essex Bursary – How to Apply

• You don't need to complete an application form!

• If you meet all the eligibility criteria you will automatically be

awarded the UoE Bursary

• We can only automatically assess your eligibility if you and your

parents (or sponsor) have given Student Finance consent to share

information with us – Please check you have done this!

• You will be notified at the end of November if you have been

awarded the Bursary.

Scholarship Finder

The University has a Scholarship Finder on their website:

https://www1.essex.ac.uk/fees-and-funding/scholarship-

finder/default.aspx

NHS – Help with costs

• HC1 forms to apply for Low Income Support – most

students eligible for help

• NHS Prepayment Certificate options for repeat

prescription needs.

• You can order your prescription to be delivered to

campus at no additional costs – visit SU Reception

THANK YOU