The Founder Volume 5 Issue 4
The Founder Volume 5 Issue 4
The Founder Volume 5 Issue 4
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24 <strong>The</strong> <strong>Founder</strong> | Thursday 4 November 2010<br />
Features<br />
How to Survive on a Student<br />
Budget<br />
Felicity King after an epiphany, looks at how to save crucial pounds on a<br />
tight student budget<br />
Last week, I found myself scanning<br />
the pavements of Windsor for a 20p<br />
piece. I wasn’t doing it for fun. Obviously.<br />
Scanning the pavement for<br />
20p is hardly fun – it’s actually quite<br />
embarrassing. I was doing it because<br />
I didn’t have enough money<br />
to buy a postcard. I don’t know if<br />
any of you have ever scanned the<br />
pavements of Windsor for 20p. I<br />
wouldn’t advise it. You tend to walk<br />
into things a lot, and considering<br />
that Windsor is where the Queen<br />
lives, there really isn’t very much<br />
loose change lying around. I gained<br />
nothing but a bruised head, and<br />
returned home postcard-less and<br />
pissed off.<br />
I suppose you could call my 20pscanning-experience<br />
an epiphany.<br />
I realised I was skint. I don’t mean<br />
‘skint’ as in ‘I don’t want to lend<br />
you a few quid to get some pizza<br />
because I don’t really like you’. I<br />
don’t mean ‘skint’ as in ‘darn it, I’ll<br />
have to buy my unicorn with gold<br />
plated bridle next month because<br />
I’m a few thousand short’. I mean<br />
‘skint’ as in ‘I’m going to totally<br />
humiliate myself by scanning the<br />
streets of Windsor for 20p because<br />
I can’t even afford a postcard’. Skint<br />
skint, that is. In fact, I did some<br />
very complicated long division and<br />
worked out that I had only 30p a<br />
day to live on. After screaming,<br />
there are only two things a girl can<br />
do in this situation – it was a choice<br />
between prostitution or ringing<br />
the parents. Thankfully, I had my<br />
Checking the bank balance can be a terrifying ordeal<br />
phone.<br />
Now, there are many occasions<br />
in this life on which you will curse<br />
yourself for being bad at maths; it<br />
becomes quite an issue, for example,<br />
when taking a maths exam.<br />
Today, however, was not one of<br />
those occasions. I was thrilled to<br />
learn from my parents that I was<br />
an absolute failure at maths, and<br />
in fact had more like £18 a week at<br />
my disposal. This was definitely an<br />
improvement, but it would hardly<br />
fund tea at the Ritz. I realised I<br />
needed to start saving.<br />
It is interesting to note the sort<br />
of changes we go through when we<br />
realise we haven’t got any money.<br />
Eating, for example starts to become<br />
a mildly irritating biological<br />
flaw. We start to realise how much<br />
easier it would be if we didn’t need<br />
regular food – money could then<br />
be spent on more important things,<br />
like alcohol or clothes. <strong>The</strong> best way<br />
of dealing with this is to learn to<br />
distinguish between what you want<br />
and what you need. For example,<br />
the cute dog umbrella in Tesco<br />
is probably not necessary to you<br />
being alive, despite the fact that it<br />
looks cute. Before buying such an<br />
item, ask yourself: do you even have<br />
a dog? And does it really need an<br />
umbrella? Even if you answer yes to<br />
both those questions, is a period in<br />
your life in which you’re living off<br />
£18 a week really the best time to<br />
buy it? In order to defeat this temptation,<br />
make a shopping list before<br />
you go, and stick to it. Otherwise<br />
you’ll end up like me: the cateredfor<br />
vegetarian with nothing but a<br />
microwave at her disposal, who<br />
ended up buying a ready-to-roast<br />
chicken with accompanying vegetables<br />
just because it had 50% off and<br />
came with a really cool free pen.<br />
<strong>The</strong> next threat to your bank<br />
balance is going out. I’m not going<br />
to suggest the best money-saving<br />
technique, which is of course, not<br />
going out at all, because it’s a stupid<br />
idea. But when you do go out, apply<br />
the same principle: what do you<br />
need when going out and what<br />
do you just want? Fun as it is, you<br />
do not need to buy yourself, your<br />
mates, and everybody else in the<br />
club – who, in your drunkenness,<br />
you have claimed as your new best<br />
friends – lots of drinks. Similarly,<br />
once you stagger out of the club,<br />
you do not need to buy chips – it’s<br />
just another two or three pounds<br />
you will never get back. Except possibly<br />
in weight, if you do this too<br />
regularly.<br />
Another effective money-saving<br />
scheme is to have themed nights<br />
out. Instead of the usual ‘ridiculously<br />
overpriced outfit that I can<br />
only wear once’ theme, which<br />
requires you buying a new ridiculously<br />
overpriced outfit that you<br />
can only wear once every week, try<br />
such themes as the trampy ‘I can’t<br />
afford to wash my clothes’ theme,<br />
the ‘this is what I wore last week’<br />
theme, the ‘this is what my friend<br />
wore last week’ theme, and finally,<br />
if you’re really desperate, the ‘stark<br />
naked’ theme. This last one is doubly<br />
cheap because most clubs won’t<br />
let you in dressed in such attire and<br />
therefore, you save money on the<br />
entry fee because, well, you never<br />
get to enter.<br />
Basically, learn to distinguish between<br />
what you want and what you<br />
need and act accordingly. If your<br />
acting accordingly involves you<br />
buying only what you want, and<br />
not the boring stuff you probably<br />
need, then that’s fine too. Just don’t<br />
die of starvation, alcohol poisoning<br />
or from the fact that your<br />
room hasn’t been cleaned since the<br />
French Revolution simply because<br />
you can’t be bothered to buy a mop.<br />
Above all, remember that if you<br />
can’t eat it, clean with it or drown<br />
your sorrows in it, it is probably<br />
not worth buying – however cute it<br />
may look on the dog.