Hi!

regan.lottie

I'm about to start my first year of university and will be avidly reading these forums for the next few weeks, and during my time there, for ways to save money.
So far I have started for the first time to sell on amazon, had my first game bought today :j.
Has anyone got any tips for raising some extra cash, even in the form of vouchers because I really don't want to go into my overdraft in my first year

Thanks for any help!

Wiggynut

regan.lottie wrote: »

I'm about to start my first year of university and will be avidly reading these forums for the next few weeks, and during my time there, for ways to save money.
So far I have started for the first time to sell on amazon, had my first game bought today :j.
Has anyone got any tips for raising some extra cash, even in the form of vouchers because I really don't want to go into my overdraft in my first year

Thanks for any help!

go check out the cashback sites and money for clicks site.
Pigsback (there's a thread on here telling you more about and people post up answer to the quizes.. I've made £50 with them so far - in boots and john Lewis vouchers!
sell stuff on ebay... amazon... I've suddenly gone blank, lol.

I have a lot of stuff to sell on ebay.. I just can't bring myself to sort all the pics and descriptions.. will have to kick myself up the butt - do it tomorrow !

regan.lottie

Well, I signed up with piggyback and I'm just doing all the freebies, although I think I've squezed those dry....How often are the clicks updated?

E-Bay - I'm too scared to get into in case items don't sell and I lose out on money lol. Also sorting out pictures and descriptions and errghhh fills me with dread :think:

Amazon - I've listed a few games and one sold very quickly, probably could have asked for a bit more but hey, every little helps!

Quidco - again only freebies, but this seems to pay out wierdly and not everything pays out in one month and im basically getting confused

I've signed up to the main survey sites and have only had a couple of surveys so far - been screened out.

I was considering those text chat things but I don't want to commit to something I may not be able to do regularly once I start uni

QuirkyChemistry

Look out for jobs around the university. Often they want helpers for open days and there might be a job shop or something similar at your university where you can pick up the odd bit of work.

Psychology studies are an alternative. There might be ads around uni or you could have a look on the school of psychology website. They normally pay £5-£10 for an hours work.

regan.lottie

that's a good idea re. the psychology studies, I will definately look this up when I get to uni.
Also, am I best staying clear of going into my OD in my first year of study if I can help it?

QuirkyChemistry

People say different things regarding the overdraft. Many people recommend taking out your whole overdraft and putting it in a high interest account so it's making you money (known as stoozing). It's up to you if you use it or not, depending on your budget and if you are likely to need it to make up a shortfall at any time in your degree. Just don't go spending it all frivolously (although you don't strike me as that type).

regan.lottie

I'm a 'hunting out the bargain' type lol. Dont get me wrong I like what any 19 year old girl likes, but I know my limits lol.
I hav been reading up on the stoozing idea. I think I should have enough money this year without even hardly going into my student maintenance loan, so i definately shouldnt need the od. Am I best sticking the OD in an ISA then, and if I am pulling out the OD from my main account, will I need another account to put the other money into?

Voyager2002

regan.lottie wrote: »

I'm a 'hunting out the bargain' type lol. Dont get me wrong I like what any 19 year old girl likes, but I know my limits lol.
I hav been reading up on the stoozing idea. I think I should have enough money this year without even hardly going into my student maintenance loan, so i definately shouldnt need the od. Am I best sticking the OD in an ISA then, and if I am pulling out the OD from my main account, will I need another account to put the other money into?

You probably don't need to worry about ISAs. If your taxable income is less than your personal allowance each year (probably around the five grand mark) then you don't have to pay tax on the interest from any savings account, but simply give the bank a declaration that you don't pay tax (form R85).

regan.lottie

I have just upgraded my hsbc account to a student account. I am going to try to spend as little of my student loan as possible in the first year and I'm going to leave the OD as it is. I'm just going to concentrate on gaining extra money/freebies.
Had a few through the post today. It will all add up. Thanks for the help

Ytaya

You could consider opening a second student account with Natwest. They offer a free five-year student railcard - if you use the trains at all, it can save you a bomb. You don't have to use (or even apply for) an overdraft on it.