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Financial Survival guide 2012
7/28/2019 Financial Survival Guide
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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.
7/28/2019 Financial Survival Guide
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
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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)
7/28/2019 Financial Survival Guide
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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?
7/28/2019 Financial Survival Guide
6/284 V uvs Wg
es g ss d ss ss v s .
W
income expenSeS
Sd aw
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p w wgs
B
W s
rg ss s
o
r $
pw
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c $
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ts $
ts $is $
a $
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Sss $
e $
Weekly income total $ Weekly total expenses: $
37 weeks $ 37 weeks $
y
income expenSeS
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Total inrequent income $ Total inrequent expenses
Grand total income or the year $ Grand total expenses or the year: $
Lookingimpossible?Seepage6foranotherapproach.
ThisisavailableasanExcelspreadsheetonourwebsite
7/28/2019 Financial Survival Guide
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
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c Sd
Derek
tw s w
DVD
Fd g gg d
d
elizaBeth
c d f
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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.
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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?
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vg w s s. F :
r, w, ,
ess s
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s
What iS leFt For theSe?
Gs
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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.
7/28/2019 Financial Survival Guide
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
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$169 From StuDylink $150 From WaGeS $50 From parentS
current account
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Transfer when
needed
7/28/2019 Financial Survival Guide
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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.
7/28/2019 Financial Survival Guide
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
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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
.
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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
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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 .
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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 .
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v g gg bd b. i s ss w sg d g w
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adv
ldds d s w ws dv. o dv s
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t s vg
hw d d sv? Bsd w 155:
conSerVatiVe miDranGe hiGh620tw ws bd d w
ws .
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ws .
1,085F ws bd, w
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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.
7/28/2019 Financial Survival Guide
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)
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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.
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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.
7/28/2019 Financial Survival Guide
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
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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.
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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.
7/28/2019 Financial Survival Guide
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.
7/28/2019 Financial Survival Guide
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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
7/28/2019 Financial Survival Guide
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.
7/28/2019 Financial Survival Guide
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.
7/28/2019 Financial Survival Guide
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.
7/28/2019 Financial Survival Guide
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.
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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'
7/28/2019 Financial Survival Guide
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.
7/28/2019 Financial Survival Guide
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!
7/28/2019 Financial Survival Guide
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.
7/28/2019 Financial Survival Guide
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
7/28/2019 Financial Survival Guide
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
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