Savvy Student money tips With Cobalt Advisors

It has been quite a while since I was a student, but one thing I remembered clearly was having to pay off a hefty student loan at the end of my studying time. It took many years to finish paying off the student loans I accrued during that time. University is a time that should be one of the most fun experiences you will ever have, but, when it comes to money, you can end up building up debts that you will  be paying off for a long time, even as you are trying to sort your finances for life after study. So being a savvy student when it comes to your dosh is an option you should definitely be trying out.

In my student days.

In my student days.

Tips With Cobalt Advisors

Some debt is virtually unavoidable, but there are things that you can do that will help you manage your finances a little better. Here are my top five tips for being a money-savvy student.

  • Open a student bank account. A good student bank account will offer a good rate of interest on any savings, and an overdraft facility that is free. The TSB student account also offers a free £10 overdraft buffer, which means you won’t pay any overdraft fees or interest if you go overdrawn (either Planned or Unplanned) or exceed your Planned Overdraft limit by £10 or less.
  • Look at your credit cards and make sure you switch to a low interest card like those from Cobalt Advisors, then keep this in a special place for a rainy day. You never know when you might need instant cash for an issue – car trouble, an unexpected bill, so having a card that you could use without massive interest accruing is both useful and sensible.

Irish Students Marianne and Connell in Normal People

  • Look for a part time job. During my university days I worked part time in a shop to top up my income. Even a few hours a week can help to alleviate money worries. Student towns often have seasonal work, bar work etc. Look at things like stewarding at sports events and other jobs that can work at the weekend. Most students do not spends all day every day in lectures, so use some of that spare time wisely.
  • Budget. Writing a plan that shows what money you have, and what you need to spend it on is essential for avoiding excessive debt. Having this information down on paper shows you what is left once your bills and books are paid for.
  • Being a savvy shopper – budget supermarkets, charity shops and jumble sales, you can still shop on a budget. I lived in Birmingham’s Rag Market as a student, and totally loved my look. These days Charity shops have everything from Vintage to designer so you are sure to be able to create your own look at a budget that suits.
  • If you do need to get a loan, get a student version with low interest, that doesn’t have to be paid back until your earnings reach a certain level.
Some of my fave students - Fresh Meat.

Some of my fave students – Fresh Meat.

These are my tips, ones which I used when I was a student. You can find more useful tips in this savvy students guide.

Do you have a tip you could share?

Wedding Dress Shopping: Knowing What’s Important and What’s Not for Your Special Trip Down the Aisle

So, you accepted the proposal, and now you’re thinking about your wedding day. What sort of flowers will surround you, what will the music be like, and which guests shall you and your partner invite? More importantly, what will you wear to your once-in-a-lifetime event? Before you lose your mind to excitement, learn what’s important (and what’s not) when selecting your perfect wedding dress.


Put your priorities in place

Before you spend a penny on your trip down the aisle, determine precisely how much you can spend. Then choose what you will spend it on. Planning a wedding without knowing your budget is not unlike heading out on a road journey with no gas gauge in your vehicle, says Martha Stewart magazine. Once you know your budget, consider which components of your nuptials is most crucial to your happiness. Do you want to recite short vows and get on with the reception party? Do you want to fly only your best friends to a secret beach and spend zero money on wedding shoes?

Be realistic when it comes to setting the top price you can pay for your wedding dress. Don’t forget to factor in shoes, lingerie, a veil and other essentials. Bear in mind that your dress can be slightly used and still shine as if it just arrived from a designer rack.

Be sure to give yourself ample time to find the dress of your dreams. Experts say to allow six to eight months to choose an ideal wedding dress. Shop often, though, especially when browsing resale shops. Inventory changes often, and you don’t want to miss a great deal on your perfect wedding dress.


Spend a bit more here, scrimp on something there

Think about this. The more you spend on your wedding dress, the less you can spend on roses, caterers and the like. Brides on a budget appreciate the ease with which they can find a splendid selection of gently used weddings dresses on the POWD website. Weddings are wonderful events, but they are no excuse for spending an outrageous sum for a luscious dress you might wear only once.


Sticking with tradition is not required

If you think white is trite, you might be right, say wedding writers at Huffington Post. If you’re not the sort of girl who feels wonderful whilst wearing taffeta and pearls, you might want to go with something that is more suitable to your personality than a typical, virginal white wedding dress. If it suits you, wear something blue. Turn your groom’s head when you wear something red. And so on. There are no set rules when it comes to what you wear at your wedding. Individual venues may have rules, however, so be sure to check them out before you reserve a chapel.

When you purchase a scrumptious wedding dress for a fraction of the price of brand-new, you can spend more money on caterers and musical entertainment. Buy a bargain gown and dance all night.

Mothers and Personal Loans- Money Management Tips


Managing your finances effectively is a critical skill regardless of whether you are married or a single mother. Developing such skills will enable you to take control of your money and avoid the financial challenges that arise from bad management. Being disciplined and responsible when handling different aspects of your financial obligations as a mother will keep you on track.

Budget for the Family

If you are responsible for paying bills and you are married, it is advisable to keep your spouse involved as much as possible. It is important to discuss income and expenses with your partner and create a budget for your family that the two of you are comfortable with. This ensures that the choices that you make regarding your finances are respected and adhered to.

The objective is for mothers to have budgetary boundaries that guide their expenditure. It is essential for mothers to manage their finances by establishing a budget that will enable their families to achieve financial goals. A budget helps you control your spending and avoid reckless decisions that can disrupt your financial capabilities. Everything should be included in your budget ranging from utilities to loans.

Divide Income

All the money you have should be assigned to a specific purpose. Any money that is not assigned is likely to be wasted instead of using it in a way that can be beneficial for you and your family. Setting goals according to the finances you have will make it easier for you to control every cent. Divide your income into different funds according to the amounts that are required for each financial responsibility.


Aside from setting aside allowances for your children, consider assigning yourself an allowance as well to facilitate personal purchases. Make sure that your budget can accommodate a certain amount that you can spend on things you want on a weekly or monthly basis. Mothers deserve a treat that they can look forward to as long as they plan ahead and can afford it. Find personal loans here.

Getting a Personal Loan

When mothers want to determine the kind of credit that is most ideal for their needs, factors such as the amount of money they need, urgency, terms and lenders available will form the basis of their decision.

  • Online personal loans can make it much easier for mothers to fulfill a variety of financial responsibilities. Aside from being able to shop for a loan from the comfort of your bedroom, a personal loan also enables you to save time and money.
  • A major advantage for mothers who opt for a personal loan is that you will be able to gain access to various lenders. This saves a lot of time and gives you the chance to use advance your search to ensure that you get the type of loan you want according to terms and rates.
  • Applying for an online personal loan is a great option for busy mothers who want a quick and easy way to access reliable funding for various needs that range from renovations to car repairs.


Joan Simmer is a freelance writer who enjoys covering a wide variety of lifestyle topics. She says it is always fulfilling to be able to share helpful information with her diverse group of readers. To find out more about where you can apply for personal loans, visit the site.