ING Direct have carried out some research which shows that people budget £45 for a night out but overspend by 100%! They also plan to spend £40 on a first date but overspend by £28 (70%)! Men are also more likely than women to overspend on nights out.
To help young people replenish their savings after such a spending shock ING Direct is asking people to recreate their own “airbag moment” (http://www.youtube.com/watch?v=WvFo0rMu5ZA) on MSN.com for their chance to win a cash prize of £1,000. I’m sure this is something a number of your community can relate to and £1,000 in the back pocket is always nice and will help with that next big night out or (for the more sensible) clearing that student debt. The comp is online here http://uk.msn.com/
I found the website Crashpadder.com which is great for those who want to find a room for a bargain price in 774 cities and 54 countries! The rooms tend to be spare rooms in other peoples’ houses so they are not hotels geared to rip you off… however, be careful you don’t find that the house owner is some nutcase!
Also, for those with a spare room, it’s a chance to earn some spare cash..
Check out the site, once again www.crashpadder.com
As a student in this day and age, you need to be careful of ensuring that you select the correct insurance specialist for your needs. If you’re someone below 25, you’ll find that you’re going to have to pay more. Why that number? Who knows.. I guess some statistician has looked at figures to work out that it is statistically more likely for some below 25 years to drive like a maniac!
I’ve been researching on the web on how you can get cheaper insurance as a student, they include:
- Getting good grades – shows that you take yourself seriously and therefore take responsibility… making you a better driver!
- Be more careful- if you have a record for good driving you will find that your insurance premiums go down each year
- Go on your parents insurance (if possible) – you’ll need your parents consent but if your parents are good drivers and have not had any accidents and they also trust you, they maybe able to put you down as a named driver. However, if you do have an accident, your parents insurance premium will go up (that won’t please them!)
- Extra driving lessons – you can take extra driving lessons – they are called defensive driving lessons or community driving and by passing these, the insurance companies will probably be happy to lower your costs.
- Choice of car – a less attractive car (to deter would-be thieves) and a smaller engine will also decrease the cost of your car insurance
As found in the Sunday Times today:
To read the original article:
My cousin told me that per quarter, his roomates and him pay £200 each. Thats a rip off!!!! So I wrote to the Energy Saving Trust for some ideas for him and got these:
* Turn your thermostat by 1 degree. This could cut your heating bills by 10% and save you around £40 a year.
* Is your water too hot? Make sure the boiler thermostat is set to no higher than 60 degrees.
* Close your curtains at dusk to stop heat escaping through the windows.
* Always turn off lights when you leave room.
* Dont leave electrical appliances on standby or on charge unnecessarily.I’m actually guilty of leaving my cellphone on recharge overnight so this should help.
* Wash your clothes at 30 degrees. Washing at 30 degrees rather than higher temperature means you use 40% less electricity.
* Only boil as much water as you need.
* Use energy saving lightbulbs. Just one can save you £100 over lifetime of the bulb and they last upto 12 times over an ordinary bulb.