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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.

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