英国兰卡斯特大学管钱技巧

　　近日，兰卡斯特大学在官网为学生公布了如何管理自己的钱口袋的10个小贴士。想要知道具体内容的小伙伴，请下翻：

　　1.在可以返现金的商家买东西

　　在这个兰卡斯特大学官方省钱攻略里提到，如果学生要买东西的话，可以找可以返现金的商家。另外在买的时候，可以事先对比下价格，看看哪个便宜，这时，同学们可以用谷歌价格对比软件

　　经常打折的英国电子商务网站：

　　Cashback plus sometimes discount codes www.quidco.com, www.topcashback.co.uk

　　Student bank accounts - MSE - Top students accounts

　　Daily deals and discount codes- www.hotukdeals.com

　　Price reductions - www.offeroftheday.co.uk

　　Broadband - www.cable.co.uk, www.moneysupermarket.com/broadband/

　　MyVoucherCodes - www.myvouchercodes.co.uk/student-discounts

　　MyDeals Student Discounts - www.mydeals.com/uk/student/deals

　　2.Prioritise 安排好花钱顺序

　　Set money aside or pay for essentials first (e.g. accommodation, food, club memberships, compulsory course trips, travel home) 要做好预算，为要花钱的地方事先预留资金。(如：住宿、食物、俱乐部、出行、旅游等)。

　　3.Save on travel 在出行上节约

　　Consider a Young Person’s Railcard; National Express Pass or a termly bus pass saves money。选择相对便宜的出行交通工具(目测了下，能走路就尽量走路吧)。

　　4. Learn to Cook 学会自己做饭

　　this will save you a lot of money; bringing (parental) supplies with you or using low cost supermarkets helps. One survey that compared baskets of basic food supplies found a supermarket own label basket cost 3.89 compared to 14.11 for a branded basket - a potential saving of 10.22 per week. 自己做饭的话会为你节约不少钱哟。一周可以节约10磅哟!

　　5. Be sociable, cook with friends 跟朋友搭伙煮饭

　　why not do this at the weekends to share the cost. Beware of take-away prices, okay for a treat every now and again but it adds up if on a weekly basis. 这样子会省很多哟!

　　6.Going out for the night? 别到夜店嗨皮了

　　Don‘t be tempted to overspend. Avoid the temptation to take your debit card with you. Take a sensible amount of cash with you, when it’s gone call it a night. Leave enough to get home safely.

　　7.Employment 找兼职工作

　　The Careers Centre, LUSU Job Shop, Job Centre and local agencies can help with part-time work options. Be careful to balance this against your academic workload - don‘t exceed 12-14 hours! 同学们可以利用自己的课余时间找兼职，这样可以缓解一部分经济压力。

　　8.Keep track – 注意银行动向

　　Bank Statements - it’s important to check them regularly and keep an eye on any charges. On-line banking can help. Be sure to check your standing orders and direct debts.

　　9.Cashflow -现金流转

　　stop spending more than you should by opening two accounts with the same bank. Have all essentials paid from one account (perhaps with an overdraft but no debit card access) and set up a weekly standing order for ‘disposable spending’ to the second account (with no overdraft)。不要在同一个银行开设两个账户，停止高额花销。

　　10.Maximise income

　　make sure you‘re getting all the Government and University student support you’re entitled to by coming and speaking to one of our advisors. If you have dependents or a disability there might be other Government help through the social security system which you could be eligible。