Pre-loved course resources.
Check which books you really need for your course and see if you can get any second hand. Or go halfsies with a friend! TradeMe is a good place to look, as well as the university bookshop. If there’s a version available online, this could be an option for saving a bit extra.
Plan the payments.
Using Wi-Fi wherever you can is a no-brainer (just make sure you’re staying cyber safe on unsecured networks), but your mobile plan may also allow you to set reminders for when you go over a pre-determined spend so you don’t get a giant bill.
If you use a credit card, set up an automatic payment or a calendar reminder to pay it off on time (so you don’t get stung with interest). The same goes for bills – set reminders to pay these on time and make sure you get the early payment discounts.
Stay warm in the winter.
Winter can be expensive for bills. There are loads of guides online with energy saving tips for heating, but some simple things such as blocking drafts underneath doors, drawing the curtains when using the heater, and not going crazy with electric blankets all play a part. Make sure you’re in touch with your landlord so you can report any leaks quickly, and make sure your house is in good condition for living – you don’t want to be getting sick either!
Another flat tip – take photos of your flat when you move in. It may help to prove you didn’t make that hole in the wall that’s always been there, when you move out.
This document does not have regard to the financial situation or needs of any reader. As individual circumstances differ, you should seek appropriate professional advice.
ASB's terms, eligibility and lending criteria apply. At the expiry of your Tertiary account, you will be transferred to either a Graduate account or Job starter's account depending on your circumstances. *One free fries daily with a purchase made at McDonald's® with an eligible ASB Visa Debit card. Excludes McDelivery®. Available after 10:30am.
This article was originally posted on 19 July 2017, and has since been updated.