Award-winning administrator, Bev Budsworth offers a simple, 10-point plan for any student looking to organize their finances and manage them, while principal payments in the University:
1. Do not panic
• For young people and students in the guilt of the most important advice is do not panic - there is always a solution for dealing with debt.
2. Talk to someone
• Talk to someone - has either a friend or family member or a fellow colleague, the experience with a similarSituation that can give you advice on their own experiences
• As a student you will usually have a local Student's Union is available to employees on hand that can be used for dealing with money problems. You can also refer you to the emergency regulations, which may help tide you over until you back on your feet. They are good advice to offer as on the budget and manage your money.
• You feel so much better if you can share how you feel with someone. If you are not in a position totalk with someone at least write it down. You are doing something positive, and that will help you to better control, reduces the feeling of panic and make you calmer.
3. De-clutter
• Get together all your personal bills and bank statements, they are sorted and placed them in a file. A messy environment creates confusion and a sense of loss of control. A thorough clean out has a good feel factor - you will immediately feel the command.
4. Exercise
• Going for aswim, run or workout in the gym, you will always feel much more able to deal with the unpleasant side of life, including debt.
5. Confirm your debt
• You must take responsibility for your debts. It is easy to get to facilities for the manufacture of credit to be easy to blame, but it is your fault, your responsibility and you have to deal with.
6. Visualize a life free of debt and managing change
• Imagine what would it be to be debt-free - yourFinances sorted, money in a savings account, no problem!
• Develop a concrete plan, and goes after you move closer to the state debt.
• Remember, if you do nothing, will change nothing, and you will remain in debt.
7. Budget
• Work out who exactly what essential costs you have to share each month (rent, food, bills, etc.) and then what it amounts to a week to leave. Try this amount from the bank at the beginning of the week and stick to it, butthat as many trips to the ATM.
8. No problem, let not the money that you do not have
• Do not write to the temptation to check if you know you're up to your limit. The banks do not take kindly to this and you will be £ 20 or more for the privilege of a new beginning to the voucher for free. So, take out any loans from friends, a night fund - they can not so friendly if you can not pay back!
9. Meaningful work
• 90% of students are now forced to work during their coursejust to keep their heads above water. Think about when you are likely to be most busy with exams and tasks and try to fit more work in the quieter times.
10. Take advantage of the Council
• There are many organizations, including the NIS, CCCS, CAB and other professional organizations that specialize in debt counseling. To pick up the phone and call.
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