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Student MoneySaving

Archives for June 2008

university admin charges - a defaulted direct debit
I'm a student at a major uk university. I fund my degree by working nearly full time. My tuition fees are paid from my account as a direct debit. Earlier on this year I had one of the payments bounce as I did not have enough money to cover the £1000 payment in my account at that time. Resulting from this the university…
Student Loans + Work
Hi guys, Just have a question - I am at university, and have taken out a student loan for the year. I also do part-time work, and earn around £4,000 per year. Do I need to pay tax? Some have told me that, since it's £7,500 combined earnings (£3,500 student loan + £4,000 from part-time work), you'll have to pay tax, while…
Post Graduate Diploma....the next steps
Hi, Firstly thanks for reading. I have recently undertaken a post graduate diploma in buisness and managemnet and am wondering what the next steps would be in order to become a teacher.. I am in my thirties and looking for a career change...ideally would like to teach economics or buisness (or similar) Thanks
course fees
Hi can anybody tell me who ays the course fees for attending an hnc course in scotland.Thank you ahead of any answers,my help button stopped working months ago
Cutting all ties with HSBC
Hello there, I recently finished my degree course (although I haven't officially graduated as of yet) and I bank with HSBC. I'm under the understanding that the company will switch my student account to a graduate one at some point in the future, and this graduate account slaps a massive amount of interest on the overdraft…
The best graduate recruitment agencies
Hi, I was wondering if anyone has had experience with recruitment agencies that deal with graduates in particular and whether or not they were helpful or not! I am looking for some as I have recently graduated with a 2.1 and want to start work this September...(yes I know most applications have closed already!). Don't mind…
The best graduate recruitment agencies
Hi, I was wondering if anyone has had experience with recruitment agencies that deal with graduates in particular and whether or not they were helpful or not! I am looking for some as I have recently graduated with a 2.1 and want to start work this September...(yes I know most applications have closed already!). Don't mind…
New PhD Student - Bank Question
This is my first post so hi to all other users! I'm 25, in quite a lot of student debt, and about to start a fully funded (fortunately) PhD in October. I have an HSBC graduate account and pay back £305 a month (irrespective of status, eg unemployed, student etc.) for 2 professional studies loans I took out 2 years ago. I…
Student loan court threat - help!
1st post on MSE, but use it regularly, gratefully, to save money for both myself and my partner. I am writing on behalf of my partner, as I really really want to help him out of a sticky situation, and don't know where to start... Long story, will keep it brief. Student Loan Company have sent my partner a letter…
hair colouring
Hi there, I am a qualified mobile hair colourist who is looking for models who want their hair highlighted / coloured for free! There is no catch whatsoever. Check out https://www.freehaircolour.com If interested, please contact me - info@freehaircolour.com or 07874 694016 (text) Leigh
Natwest student rail card - 5 years
Natwest advertise as part of their student account a free student rail card for 5 years. Never thought of it until now these questions... If you close the student account, you won't get the rail card anymore? If you get upgraded to a graduate account, you won't get the rail card anymore? You will get the student rail card…
HSBC Graduate account only lasts for 2 years?
Today I got a letter from HSBC saying 'As it has now been a few years since your graduation, we just wanted to make sure you are aware that we will be converting your HSBC Graduate Account to an HSBC Bank Account on 19th July 2008.' I only graduated 2 years ago...They don't say '2 years' or '3 years', just 'a few years'.…
HSBC move me to graduate account with less than a month's notice... EAR 18.8%!!
Hello, This is my first thread here asking for advice (I tend to stick to the Boots thread!), but I really need it now! I've been in education for a while, I was doing a DPhil in Oxford, submitted my thesis in January and had my viva at the end of May this year. I've banked with HSBC since before my DPhil, and had one of…
Having a Graduate account and a Student account at the same time?
I originally started uni 4 years ago. Unfortunately I had to leave the course in the third year due to personal reasons. I did not inform my bank that I left the course and they have now sent me a letter informing me my account will automatically be switched to a graduate account. I have a place on a different course for…
Books
Is there a website specifically for selling your old books?
Inexpensive Books for Homeschooling
Hi everyone, Ive been using theses books with my kids and have found them really useful. So I thought I would share them with you. The boxbook sets are really helpful for the National Curriculum. It would be great to have your thoughts on them! StoryBox Books - Monthly fun learning books at magazine prices AdventureBox…
Parental Contribution to Daughter's university loan.
We live in Scotland. Our daughter, aged 20, has just finished college for the third year, studying Highers so as to get into university. (she failed the first two times so we have our fingers crossed this time) My question is, how much can we expect the Student loan company to ask from us towards her further education? I…
Getting Student Loan Payments Stopped
About a month ago, I worked out that I'd just finished paying off my student loan. This is the good news. :D I called SLC, told them how much I'd repaid through PAYE since their last statement, and they agreed that I'd just finished repaying. They issued a stop notice, and I got a letter confirming this. I know the stop…
Student Loan repayments & Bonuses
Hi all, First post, so be gentle!! I have a student loan and am making the paltry repayments directly from my salary each month. Thing is, each year I am lucky enough to get an annual bonus, which last year was about £2000 before tax. The Student Loans folk will then take a couple of hundred pounds off my bonus before I…
New Student Website
Looks very interesting; free to join: http://www.money4students.co.uk/home

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Student MoneySaving

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