TOP TIPS SERIES
TOP TIPS FROM STUDENTS STUDYING ON A BUDGET
COPYRIGHT Š Western Sydney University 2016 First Published August 2010 Version 2 - updated for digital publication July 2014 CRICOS Provider Code: 00917K Commonwealth of Australia Copyright Act 1968 Warning This material has been reproduced and communicated to you by or on behalf of the Western Sydney University under Part VB of the Copyright Act 1968 (the Act). The material in this communication may be subject to copyright under the Act. Any further reproduction or communication of this material by you may be the subject of copyright protection under the Act. Do not remove this notice.
Disclaimer This eBook provides information of a general nature only. If you would like to speak to someone regarding your personal circumstances, please contact the Western Sydney University Counselling or Welfare services. More information about disclaimers, privacy and copyright at the University is available online.
ACKNOWLEDGEMENTS We would like to acknowledge the students studying on a budget for generously sharing their Top Tips for study and success.
TOP TIPS SERIES
TOP TIPS FROM STUDENTS STUDYING ON A BUDGET
CONTENTS
Introduction
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Finance tips
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Income sources
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Learn to love the Library
13
Saving money at university
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Everyday savings
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Information and services
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STUDENT SUPPORT SERVICES
INTRODUCTION Going to university can place a strain on your finances, especially for students on a tight budget. Our financial situations can sometimes define our lifestyle but Western Sydney University has a great range of services and opportunities for the money-savvy student. Many Western Sydney U students have found smart ways to handle their finances and get the most out of their money. These students have shared some of their Top Tips to help make studying on a budget as easy and enjoyable as it can be. You will find these hints throughout this booklet – you may even have some to share with your friends. This guide also offers information about the kinds of costs you might have, how you can save money and how to have a comfortable life on a tight budget.
In this booklet all ‘top tips’ from experienced students are marked with this symbol. 1
STUDENT SUPPORT SERVICES
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STUDENT SUPPORT SERVICES
FINANCE TIPS How do you organise your finances, access information on money matters and understand uni fees and charges? The information below can help if something goes wrong and you need emergency assistance, or if you just need some help to get things sorted.
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STUDENT SUPPORT SERVICES
FINANCES AND BUDGETING
e aware of the differences B between needs and wants. When you feel tempted to have something, try walking away and see if you still need or want it the next day. on’t get a credit card if D you can avoid it. The temptation of overspending can get the better of us sometimes and can make it hard to control our finances. A debit card can give you the advantages of a credit card but without the high interest rate traps. ake a budget and stick to M it. Exercise some discipline when spending. There are many free resources available to guide you, like smart phone apps and online budget planning tools. iscuss your finances with D your parents, partner or friends so they understand your position – this can avoid conflicts over money as they may have had similar experiences themselves.
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rganise your finances O before you start uni. Look ahead to plan for when money will be tight. Having no money and a massive credit card debt can cause a lot of stress. ay all your expenses P before indulging in a treat. Don’t forget you will need textbooks, study materials and money for printing in the library. udget for treats. Save for B personal indulgences or ask children to earn treats by helping you with chores around the house. ou can get detailed Y information on money matters by making appointments with the University Welfare Service who can help you plan your finances.
WESTERN SYDNEY U TIP Read the information on the Fees and other costs page to get a general guide for what expenses you’re likely to have at uni. The Student Welfare Service have some good budgeting tips and information about financial issues on their Money matters webpage . You can also get budgeting tips on the Study, Money and Life Skills vUWS site , which has been developed to help you maximise your learning, develop personal awareness and assist with managing your finances.
EMERGENCY FINANCE AND ASSISTANCE
alk to a Student Welfare T Officer if you are in a financial emergency. They are really helpful and can offer short-term solutions and work with you to bring your finances under control. Community organisations can be a help to students who are struggling to pay their bills due to various financial difficulties. They can help you with food vouchers, food parcels, cheap clothing, and vouchers for phone, electricity and water bills if you are really in trouble. These organisations include St. Vincent de Paul, the Salvation Army, Lifeline and Anglicare.
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Talk to the Counsellors . They are available to listen and help, no matter how difficult your problem is. et help before a problem G becomes too big. Let people know if you are having trouble making payments and seek help to sort it out.
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WESTERN SYDNEY U TIP Find out more about confidential counselling services available to students. A great range of student discounts are available at local businesses. All you need is a valid student ID number and a valid student ID card. Food vouchers are available for those in genuine hardship, via the Student Welfare Service .
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STUDENT SUPPORT SERVICES
UNI FEES AND DEADLINES
ensus date matters! If you C think you won’t be able to complete a unit, you must drop it before the census date or you will have to pay the unit fees. Be sure to sort out your enrolment before it costs you! lan your finances – knowing P how much your course costs can help. You can calculate your fees online .
emember that this is real R money! Don’t waste it by putting off decisions or forgetting about census date. ou do not have to work it all Y out on your own. The people at Student Central or the Student Welfare officers are really great and can provide advice. They are there to help you.
WESTERN SYDNEY U TIP University fees and deadlines are serious and cannot be changed. Census date: every teaching session has a census date, which is the deadline for you to finalise your enrolment and your fees. That means you must ensure you have successfully deferred your fees 7
(if you’re eligible) or paid them in full by this date. If you don’t, you will be discontinued from your course. Detailed information about your fees, including who is eligible to defer them, is available on the fees webpage .
Government information: Keep up to date with Australian Government assistance for financing your tertiary studies and any legal obligations or rights on the Study Assist website .
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STUDENT SUPPORT SERVICES
INCOME SOURCES Getting a university education is an investment in your future. But while you are studying, it can be a struggle to balance your budget with what can seem like endless expenses. Find out about scholarships and other ways you can earn some income to help you meet some of those expenses.
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STUDENT SUPPORT SERVICES
APPLY FOR SCHOLARSHIPS
on’t wait to ask! Research D and apply for scholarships, even if you don’t think you would qualify. Scholarship money can really help to take some of the financial worry out of being at uni. cholarship money is very S useful! Many students use their funds to buy learning materials like textbooks or a laptop. Scholarships are competitive. Give yourself an advantage by finding out the eligibility criteria for the scholarship you want and preparing your application in advance.
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pplying for scholarships is A good practise for writing resumes and thinking about marketing your strengths. sk a Student Welfare A Officer to help you with the application for the scholarship if you are unsure how to do it.
WESTERN SYDNEY U TIP There is a wide range of scholarships available at Western Sydney U. Check which ones you are eligible for on the scholarships webpage . You can also hear Western Sydney U students talk about the scholarship opportunities we offer.
GETTING WORK
pply for casual work at the A uni. There are some great opportunities available including working as an Orientation Assistant, Student Central casual or cataloguing in the Library. an’t work during session? C Try working longer hours during session breaks. Try temp employment agencies for part time or short contracts.
STUDENT SUPPORT SERVICES
et your boss know you are L studying. Many of them will be flexible as they were students once too! ign up to Career Hub and S Jobs on Campus with the Western Careers service to get access to job opportunities for while you’re studying and once you finish your degree.
Casual or part time work can help a lot financially.
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STUDENT SUPPORT SERVICES
LEARN TO LOVE THE LIBRARY The Western Sydney U Library can help you with your studies and research generally. The Library also provides copies of textbooks for loan.
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STUDENT SUPPORT SERVICES
earn to love the Library ! L Do a library tour to help with navigating the library and find out how to search for books, journals and other useful resources. Also check out the library website and the relevant library resources for your discipline, such as the main journals, books and databases for your area. sk about the Liaison A Librarian for your course. They will have specific knowledge about your course, and can show you the free online eResources tool that can help you locate books on your reading list. ibrary fines build up really L fast – have a system for remembering when your library books are due. Use your mobile phone alert function. Overdue books and outstanding fines can stop you from progressing or even graduating. orrow DVDs from the B library, borrow a novel or a bestselling eBook – there’s more to the University libraries than academic books! ∫ BACK TO CONTENTS
on’t spend a cent on D journal subscriptions. The library has access to scholarly journals from all over the world and, as a Western Sydney U student, you can use them whenever you want. Ask a librarian to show you how it works. lways ask your lecturer A about the edition of the text they are recommending. Older editions can usually be purchased for a cheaper price and the content differences may be quite insignificant. hen buying textbooks, W have a look at your reading list. You don’t have to buy every book on your list. Photocopy the pages you need from reference books. You can also use the library’s reserve room resources. uy second-hand books B from other students or sell yours to make some money. on’t be shy - the D University Librarians are really, really helpful. They can help you to find resources you didn’t even know existed.
ublic libraries may run P educational children’s programs for free. Have a look at your local council website to see what’s available. You can also borrow children’s books and DVDs from the Western Sydney U Library. he Western Sydney U T Library website is really useful! Get to know your way around the services, guides and resources to help you with everything from referencing to finding a space for your group work meeting. atch up on some sleep. A C short nap in the Library’s sleep pods can do wonders for your concentration but just remember that you do have to go home at some point in time.
WESTERN SYDNEY U TIP Textbook vouchers are available for students with financial problems. Applications are open very early each teaching session. Get an application form online from the Student Welfare Service . 14
STUDENT SUPPORT SERVICES
SAVING MONEY AT UNIVERSITY Be aware of how you spend your money and find ways to save. Below are students’ best tips for managing everyday expenses as well as some ideas on how to earn extra income or find things that are free.
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STUDENT SUPPORT SERVICES
COMPUTERS AND PRINTING
e careful not to exceed B your internet download limit or you could face huge fees. It’s really easy to do, especially if you download a lot of videos. rotect your computer from P viruses by downloading free anti-virus software from a reputable source. Remember to keep it updated for the best protection. rinting in the library adds P up – think before you print. rint on both sides of the P page to save paper costs.
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uy generic brands of ink. B They will be significantly cheaper than branded cartridges. nused printouts make U great note paper – just don’t mix it up with your current documents! ave your notes on a USB S rather than printing everything. Only print when you really need to. ry not to print your T assignments when editing them. You will save on the cost of ink and paper.
heap ink cartridges can C help you cut costs. Remember to make sure they are compatible with your printer. ut your name and number P on your USB. It’s horrible to lose all that hard work and buying a new one can be expensive.
STUDENT SUPPORT SERVICES
EARN SOME INCOME OR SAVE SOME MONEY
ind out if you’re eligible F for a Travel Concession . If you’re confused, Student Central can help. tudent concessions can S equal great savings. Be sure to present your student ID card at movies, museums and art galleries to get a discount. omplete some surveys or C sign up for focus groups. If you want a break from your studies, search for online surveys which pay you or provide gift cards to shops you frequent. (Search internet for Australian paid surveys or focus group sites)
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re you good at writing and A have a good story to tell? Sometimes the Student Newspaper may award prize money or give a textbook voucher for writing and original artwork.
adds up.
old a garage sale to get rid H of old or unwanted items, or sell them on eBay. Make a voluntary payment on your HECS-HELP to get a little bit of a discount. erious about saving S money? Open a highinterest savings account and deposit money regularly. If you regularly put away even one dollar, you will be surprised at how quickly it
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STUDENT SUPPORT SERVICES
UNI FREEBIES – STUDENTS’ FAVOURITES
eed help doing your tax N return? The Student Welfare Service offers assistance with tax advice to eligible students earning less than $50,000 per year. Tax help sessions are available from July to October each year.
ake the family to the T University’s Open Day . The kids will love the interactive displays, and at the same time they will experience the uni environment that you are involved in.
e a better job candidate B when you graduate by getting involved with Western Careers . With free workshops, Career Consultants and exclusive job listings, many students have improved their skills through the service. You can visit their offices on Parramatta or Penrith (Kingswood) campuses, or follow them on Twitter, LinkedIn and Facebook.
o to events, exhibitions G and observatory open nights held by the uni. They are a great opportunity to see what is happening around the University and to go out somewhere different with friends.
Attend O-Week for information about what Western Sydney U offers and pick up some great freebies too. O-Week runs during week one of each session. It is not just for new students.
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o the Sculpture Walk past D twelve different works of art in the historic grounds of the Parramatta campus (South) or visit one of the public art galleries on our campuses they are like hidden treasures!
WESTERN SYDNEY U TIP Student discounts – There are a range of discounts available to Western Sydney U students. Find out what’s available on the student discounts webpage. Events – The University has a range of events you can attend throughout the year. To keep up to date on events, check the events calendar regularly . You should also check your student email account and look at the digital screens on campus regularly as events are often advertised there. The Penrith Observatory also has events throughout the year. You can also take a virtual tour of the University’s art collection .
STUDENT SUPPORT SERVICES
TRAVEL
ravel green, save money! T Try riding a bike to campus in order to save money. Check in advance that your route will be safe and be sure to wear a helmet. ave money on public S transport – check the prices of weekly or monthly travel passes. taying at uni between S classes can cut the cost of petrol and traveling time, and give you more study time. riving with low tyre D pressure increases fuel usage and tyre wear. A little attention can save a lot of money and stress. hop around for cheap fuel. S Some independent petrol stations offer cheaper prices and supermarket chains often have voucher discounts. Put the voucher in your car so it is handy when you fill up.
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arpooling saves money C and is a great way to meet other students living near you. The University has partnered with local government to support Western Sydney Carpool , a service that matches people with similar journeys. ow much do you need H your own car? If you can share with your partner or parents, do it! If you have a car, keep it in good condition by regularly checking your water, oil and tyre pressure. I f you drive, buy a yearly parking permit. The permit is good value and costs less than a parking fine! If you don’t have a parking permit, try parking in a quiet street off campus.
WESTERN SYDNEY U TIP Comprehensive information about travelling to Western Sydney U campuses is available on the getting to unit website . You can also download the free shuttle bus tracker app – TransLoc Transit Visualization. The app is available in the Apple App Store and Google Play. You can also track the shuttle bus via the Transloc Tracker link on the shuttle bus timetable webpage .
ree shuttle buses operate F on most Western Sydney U campuses, making it easy to get to stations and around campus.
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STUDENT SUPPORT SERVICES
EVERYDAY SAVINGS Your everyday lifestyle has an impact on your budget. Students share how they save money and still afford to have a social life, as well as finding those simple things to enjoy that are inexpensive or free.
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STUDENT SUPPORT SERVICES
EVERYDAY LIVING SAVINGS
I f you need to move out of home, consider getting shared accommodation with some friends or other students to share resources and help make rent cheaper. Check notice boards around campus to see what is available, or check the accommodation webpage . alk to your housemates T about paying bills before they move in. Everyone will know what is expected of them and it takes out some of the stress when it comes to paying bills when they are due.
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I f you are sharing an internet connection, have an agreement that no one downloads an excessive amount of data. If that isn’t possible, consider changing to an unlimited download plan or have that person commit to paying any excess charges. I f you are living at home, think about staying there. Even if you have to pay board, it’s probably cheaper than leaving home or setting up with housemates who may or may not help with the expenses.
I t might be worth considering living on campus especially if you have to travel a long way from home. You have fixed costs so it’s easier to work out a budget and you can take advantage of the uni facilities nearby.
LIVING EXPENSES AND BILLS
I f you use a mobile phone a lot, consider going on a plan instead of prepaid. Shop around for the best deal to avoid topping up your credit.
STUDENT SUPPORT SERVICES
sk for a better deal. When A connecting services such as phone and internet, ask if it is the best deal they can offer. Many companies will give discounts when asked.
ut down on water usage. C Take shorter showers and water your garden with rain or shower water to save money and be environmentally friendly.
ry natural cleaners like T vinegar and bicarbonate soda. They are often as effective as expensive household products.
ut money away for bills, P such as $20 a week for the telephone. Think of it as already belonging to your telephone provider so you won’t be tempted to spend it.
aving energy means S saving money. Close the doors to unused rooms to reduce the area that you need to heat or cool with an air conditioner. Keeping curtains closed can help save energy too. on’t get a pet on impulse. D Pets are nice but they take time and money to look after.
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ait until you have a full W load of laundry or dishes before using the washing machine or dishwasher.
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STUDENT SUPPORT SERVICES
FOOD AND RECIPES
earn a few recipes and take L turns with your housemates to cook dinner. ave a no-cook meal plan H for nights that you are busy or tired. Frozen meals, baked beans on toast or a canned soup could save you $20 on takeaway. et a refillable water bottle G instead of buying bottles of water. Bring fruit, a water bottle and your own coffee mug to uni to save money. tock up on non-perishable S food so you’re never without. earn to make your L favourite takeaway or buy it on a night that they have a discount – you will still be able to enjoy your favourite foods. ry to limit how many times T you go out for meals. Home cooked meals will cost less and may be more nutritious for you.
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ook extra and freeze C leftovers for an easy meal, or take it for lunch the next day. ack lunch for uni. If you P have children, you can make theirs at the same time. ry a slow cooker meal. It is T quick and you can prepare it in the morning so dinner is ready when you get home. You can also use cheaper meats. ake a shopping list before M you go shopping and don’t shop while you are hungry. Planning will reduce your temptation to buy things you don’t really need. Independent supermarkets are often cheaper than large chains. Keep an eye out for catalogue specials for extra discounts.
ut down on buying coffee C or try bringing it in a travel mug. One less coffee each day could save you $15 a week. In a month, you could afford that luxury you’ve had your eye on. onvenience purchases are C expensive – don’t buy things at a service station that you can get cheaper at a supermarket. Planning saves you money! row your own herbs and G vegetables. It’s cheap, quite easy to maintain and nothing beats the taste of fresh vegetables. ating healthy food pays E off. You will be less tired, concentrate better and be more fun to be around with.
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SHOPPING
xercise some willpower E when out shopping and avoid impulse buying. earn to separate wants L from needs. Buy groceries and textbooks before you buy a magazine or DVD. uy in bulk or find someone B who will go halves on bulk deals so that you can both save money. hop at discount and dollar S stores for stationery and basic household essentials. hop around before you S buy items that are more expensive or ask for a discount. ook for free things in your L local area, at the uni, on the footpaths on council collection days – it’s fun!
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ry op-shops and vintage T stores for second-hand crockery, clothes, accessories and furniture. People often donate new and brand name items – take time to look, you may find a bargain! hitegoods like fridges or W dryers are available from seconds suppliers at a significant discount. Do an internet search to find a supplier in your area. hop ahead for gifts to find S special deals, avoid peak prices just before Christmas and lessen the financial strain of the holiday season.
hop for expensive items S near the end of the month or the end of the financial year when people are after quick sales and better discounts. hop-a-dockets and other S coupons can come in handy when looking for a bargain. Check the back of receipts and websites for coupons. ake a shopping list before M shopping and make sure you stick to it. Planning will reduce your temptation to buy things you don’t really need.
ay-buy more expensive L items so you can pay them off gradually.
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STUDENT SUPPORT SERVICES
ENTERTAINMENT, RECREATION AND WELLNESS
egular nights out can be R expensive. Cutting down on smoking and drinking will free up money for other things. Your wallet and your heart will thank you. ave an international H cooking night at home with friends. Choose a cuisine and ask your friends to bring a dish. It’s healthy, cheap and fun. earch the internet for S ‘What’s on this weekend’ for events around Sydney that are low cost or free. day at the beach can be A fun and cheap. Take your lunch and use public transport. et friends know that you L are trying to save. They’re probably in the same boat and you can help each other and it takes the social pressure off.
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I f you need a baby sitter, ask a friend. You can return the favour later and you both benefit.
any local parks have M skating facilities, BBQ areas and gym circuits. They are a great way to get out without opening your wallet.
ocialising needn’t be S expensive. Call a friend and watch a DVD or make lunch together. Have people over for coffee instead of going out. Go for a run together instead of the gym.
ou need to take time out Y for yourself. Make ‘me’ time to do things you enjoy as well as socialising, studying and working.
ubs, clubs and RSLs often P do lunch or dinner deals at a reasonable price.
im to eat healthy food A even when you go out. Find a balance between treats, common sense and being kind to yourself.
heck out local scenic C walking tracks – Sydney Harbour and the Blue Mountains have plenty of options available. For local options, check out nearby parks and your local council website. o to independent cinemas G for cheaper tickets, or know your local discount ticket night.
WESTERN SYDNEY U TIP Sydney Council has a ‘what’s on’ website , with details of great and often free events happening in and around Sydney, including things like the Vivid light festival.
PERSONAL WELLBEING AND RELATIONSHIPS
ou may need to take time Y off work during exams. Look ahead and budget so you can give yourself the time you need. eep your health in check! K Go to the dentist for regular check-ups. Get your eyes tested. Get health insurance that entitles you to rebates on the health services you need most.
ry not to let life get on top T of you. If you need someone to talk to, try the free, confidential counselling service offered by Western Sydney U. dopt a healthy diet, as it A will help in all areas of your life, from health to stress management. Find a balance between treats, common sense and being kind to yourself.
STUDENT SUPPORT SERVICES
alking is free and a great W way to clear your head and get out of the house. ake time for your friends. M It’s easy to lose contact if you don’t see each other regularly. ind a group of students F with similar interests. Find out what student clubs and societies are available to join.
WESTERN SYDNEY U TIP HOW CAN THE UNIVERSITY SUPPORT YOU? Counselling Service – If you want to talk to someone or get advice about personal issues or your general wellbeing, you can get in touch with the Counselling Service . They can also offer advice about adjusting to uni life and managing exam anxiety, time management and other skills. ∫ BACK TO CONTENTS
The Western Sydney U counselling service is free and confidential. You can get help and advice face to face, online (via eCounselling and Skype) and over the phone.
MATES – Mentoring and Transition Equals Success (MATES) is a program that links trained and experienced student mentors with first year students for the first six weeks of session. Come along if you’re feeling alone or want to make new friends.
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INFORMATION AND SERVICES
Student Central — your first point of contact Student Central Infoline: 1300 668 370 Email: studentcentral@ westernsydney.edu.au westernsydney.edu.au/ studentcentral Security and emergency information 24-hour Security Hotline: 1300 737 003 Emergencies (police, fire, ambulance): 000 westernsydney.edu.au/security
Career advice, jobs and workshops westernsydney.edu.au/careers
Childcare centres westernsydney.edu.au/ childcare Counselling, mental health and wellbeing westernsydney.edu.au/ counselling Disability and chronic illness services westernsydney.edu.au/ disability
Academic Literacy workshops westernsydney.edu.au/ academicliteracy
Glossary of University terms westernsydney.edu.au/ glossary
Accommodation westernsydney.edu.au/ accommodation
International exchange programs westernsydney.edu.au/ goglobal
Campus life, food and fitness services westernsydney.edu.au/services
IT and systems support westernsydney.edu.au/its
Campus maps westernsydney.edu.au/campus
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MATES program westernsydney.edu.au/mates
Maths Start workshops westernsydney.edu.au/mesh Mature age information westernsydney.edu.au/ matureage Mental Health and Wellbeing westernsydney.edu.au/mhwb
Mulifaith Chaplaincy westernsydney.edu.au/ chaplaincy PASS (Peer Assisted Study Sessions) westernsydney.edu.au/pass Printing, copying, scanning and binding services westernsydney.edu.au/ printservices Scholarships westernsydney.edu.au/ scholarships Services for Indigenous Students westernsydney.edu.au/ badanami
STUDENT SUPPORT SERVICES
Services for International Students westernsydney.edu.au/ internationalstudentsupport
Western Sydney U Facebook page facebook.com/westernsydneyu
Starting at Western Sydney University website westernsydney.edu.au/starting
University Library library.westernsydney.edu.au
Student Legal Service westernsydney.edu.au/sls Student Representation & Participation westernsydney.edu.au/ studentrepresentation Student Services Fair westernsydney.edu.au/ servicesfair Textbooks theuniversitystore.com.au
Western Sydney U Twitter feed twitter.com/westernsydneyu Western Wifi wireless network westernsydney.edu.au/ westernwifi Welfare, financial help and accommodation assistance westernsydney.edu.au/welfare
Workshops, programs and online resources westernsydney.edu.au/ workshops
Transport and getting to uni westernsydney.edu.au/ gettingtouni Online student support hub westernsydney.edu.au/ onlinesupport
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