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Cost of living

Cornwall

Advice and support to help you manage your money

Information for students at the Cornwall Campuses

We know you may be feeling anxious about the rising cost of living, and managing your money at University. We have lots of information and advice to help you manage your finances, and we have support available if you’re struggling.

Tell us what you think

We realise that budgeting and cost saving can only go so far, and so you can keep getting the most out of your time with us at Exeter we’re continuing to look for more ways we can help support you through the cost of living crisis. We’re working together with all our campus partners to identify more practical help and opportunities where we can lessen the impact of rising costs on our students.

If you have ideas about ways we can do this, or suggestions for areas to explore, please let us know by giving your feedback through your Students' Union representative.

18 October 2022

Dear Students, 

I do hope that the first few weeks of term have gone well. I wrote to you two weeks ago setting out the measures we had put in place to support you during the current Cost of Living crisis. I know that this is a time of financial uncertainty, and that this can cause us all to feel concerned, even anxious at times. We have therefore continued working on the development of a further package of support with your representatives from the Students’ Union in Cornwall and the Students’ Guild in Exeter, and I would like to extend my sincere thanks for their leadership and support on this issue. Last week I took these proposals to the University’s Council and I am pleased to say that these were approved.

My last message set out the help we have already put in place and below I am outlining the additional ways in which we will support you this year

  • At the heart of these measures is a one-off winter payment of £150, which will be paid to undergraduate home fee-paying students who have a declared annual household income of less than £30,000. These payments will be made automatically to eligible students.
  • All students, including those who have received the winter payment, can apply for additional support via our Hardship Fund, which may provide help if you are experiencing unexpected financial difficulties, or are unable to cover essential costs throughout the year. The Fund also offers specific bursaries including an IT bursary to help financially if you are struggling to afford computer equipment and support if you are unable to afford to pay for a diagnostic assessment (e.g. for Dyslexia). As mentioned in my previous email to you, we have added an additional £1 million to the Hardship Fund to increase the level of support we can provide this year.
  • The new package of support also includes measures to help you minimise your costs, for example, to ensure we always have a low-cost hot meal available for you on our campuses, a range of low-cost food options in our shops and warm places to go on campus to help if you are trying to save costs on fuel.
  • We have committed to the 13% rise in the PhD Stipend, having lobbied the UKRI to do the same. We have also added a further £250,000 to our Hardship Fund to provide support for self-funded PhD students who now find they are struggling financially.  
  • We are continuing to support the Students’ Union and the Students’ Guild in the provision of free sanitary products across all our campuses
  • Free healthy snacks are being introduced to our Hubs and Info Points
  • We understand how important it is to stay active, particularly to manage wellbeing, and so we have made available various free and low cost sports and gym sessions.  The Student Guild has also extended its ‘Give it a Go’ scheme to enable you to try new activities at low cost.

Throughout this process we’ve been working very closely with your representatives from the Students’ Union in Cornwall and Students’ Guild in Exeter. We are all united in our desire to do what we can to help you at this time. Our Cost of Living Task Force continues to meet weekly to seek additional ways to offer support and I, and the senior leaders at the University, receive regular updates from them. We are also working on a package of support for University staff, who also face challenges, and we hope to be able to share details with them soon.

  • Remember that financial difficulties are also now included as a reason for seeking mitigation, for this academic year. You can read more about that change of policy on our web pages.

  • We’re working with the UK’s leading debt advice charity, Step Change, to provide you with free, impartial and personalised support for your money and debt worries. You can get help from them in the following ways:

Online: use the online debt help tool to get advice now.

By phone: call 0800 138 1111. Lines are open Monday to Friday 8am-8pm, and Saturdays 8am to 4pm. Please use their budget form before calling.

 

 

Keeping in touch

We will continue to update you throughout this term. Don’t forget that we have a dedicated webpage which details our initiatives and the support you can get, from financial help to offers on our campuses. Do keep checking back as the page is updated regularly. We are also sharing updates via our weekly University Updates and our social media channels.

If you think there are other ways in which the University may be able to offer additional support, please share these with your representatives in the Students’ Union in Cornwall  (via this page www.thesu.org.uk/welfare/costofliving/).

Your wellbeing

If your finances are affecting your mental wellbeing, please do get in touch with our wellbeing service for support and guidance; they are here to help. You can reach them here

I know this is a worrying time but we will continue to look for ways in which we can support you. 

Best wishes,

Lisa

 

Professor Lisa Roberts

Vice-Chancellor

 


Previous messages from the Vice-Chancellor 

Message from the Vice-Chancellor 6 October 2022

21 November

Low-cost lunches

There are some great value dishes available in the Stannary at lunchtime.

  • For £3 you can buy a small bowl of Chilli with rice or nachos or a grab-and-go hotpot (this includes a Halal option).
  • For £1.50 get beans with two slices of toast or a plain jacket potato and side salad. (85p for an additional topping)

To see all the food offers available on campus visit the food and drink pages.

Food and Drink Taster Day

Come along to the Lower Stannary on Friday 24 November between 10:00 – 14:00, meet our food and drink suppliers and try their free samples. Enjoy festive samples from local bakery Prima and wholesaler Bidfood, pick up a small treat from Tony’s Chocolonely or a plant-based one from Buttermilk confectionary. Try Cornish Coffee, Westcountry tea, Minor Figures alternative milk, Molson Coors and LWC drinks. Everyone is welcome.

Safe food hacks

Make the most of your food shopping without taking safety risks.

Don’t eat food after its use by date – cook it beforehand and freeze it for later use.

  • Let it cool down, put it in an airtight container or sealed bag and pop it in the freezer within 2 hours.
  • Label items with the contents and date (no more UFOs - Unidentified Frozen Objects!)
  • Save space by flat freezing: use a freezer bag instead of a container.

Search #SafeFoodHacks on social media for more ways to save time and money and get more advice on the Food Standards Agency website

New location for the Deli Bar

The Deli Bar is now open in the Upper Stannary Monday to Friday 08:30 - 5:30, the menu includes fresh baguettes, hot and cold drinks and pastries. ​​​​​​​There’s also a meal deal offer add a can of drink and packet of Burt's crisps to your baguette for just £1.

Glasney Rooms Early Bird Offer

Cornwall Plus opens the use of Glasney Rooms to visitors in July and August. Book before 21 December 2022 and get a 10% Early Bird discount on any length of stay in July and August. To book, visit Cornwall Plus.


14 November

Financial Support and Advice

So far this term we have already helped around 450 students whose financial situation was affecting their ability to study, through the Success for all Hardship Fund. We’ve also made a one-off £150 winter payment to support around 3340 of our eligible home undergraduates with known household incomes of £30,000 or less.

If you are struggling with the cost of living, or your household income has changed, the Students’ Union Advice Team can help you make sure you’re getting all the funding you’re entitled to. Contact them here.

New money worries course

We understand that financial worry can have a big impact on mental health and poor mental health can make managing money harder. We have partnered with SilverCloud to give you access to a CBT-based course focusing on financial worry and its impact.

You can access this course for free using your University email address.

Other student support services including access to counselling can be found on our wellbeing pages.

Worried about debt?

Don’t sweep it under the carpet. Waiting can make a debt problem worse. We’re working with the UK’s leading debt advice charity, Step Change, to provide you with free, impartial and personalised support for your money worries.

Click on their online debt help tool to get advice now. Call 0800 138 1111, 8am-8pm Monday to Friday, and 8am to 4pm Saturdays. Please use their budget form before calling.

Low-cost food options on campus

Food and drink on campus have made sure you have access to low-cost hot meal and drink deals.

In the Stannary, breakfast starts at £1.50 for beans or cheese or toast, or for £3 get a savoury muffin and hot drink. For lunch, a plain jacket potato and salad is £1.50, chilli with rice or nachos £3 and a grab and go hot pot £2.95 (this includes a Halal option).

You might also like to take advantage of buy one, get one free on all hot drinks between 3-5pm in the Lower Stannary, ESI, Sustainably Café & AMATA or check out Koofi’s two margherita pizzas for £10, or pepperoni pizzas for £11.50.

For all the latest prices and offers visit the food and drink page. Don’t forget Penryn Campus Shop is listed on the Too Good To Go app.


7 November

All-student talk with the Vice-Chancellor and your Students’ Union President

Tuesday 15 November, 6:15pm, online.

Join Professor Lisa Roberts, Vice-Chancellor & Chief Executive, and Lily Margaroli, President of Exeter Students’ Guild, alongside Georgi Griskeviciene, Students’ Union President Exeter and senior colleagues for a talk and Q&A via Teams Live.

They’ll provide an update on the important issues this term, including how we’re working together to support you through the current cost of living crisis. There will also be the opportunity to ask questions.

Join the session here

Add this event to your calendar

Talk Money Week with The SU

Join the Students’ Union for pop ups and drop-ins as part of the national Talk Money Week campaign. Find out how the Advice Team can help you learn more about managing your cash and share your money worries with your SU Presidents.

Low-cost food options on campus

Food and drink on campus have made sure you have access to low-cost hot meal and drink deals.

In the Stannary, breakfast starts at £1.50 for beans or cheese or toast, or for £3 get a savoury muffin and hot drink. For lunch, a plain jacket potato and salad is £1.50, chilli with rice or nachos £3 and a grab and go hot pot £2.95 (this includes a Halal option).

You might also like to take advantage of buy one, get one free on all hot drinks between 3-5pm in the Lower Stannary, ESI, Sustainably Café & AMATA or check out Koofi’s two margherita pizzas for £10, or pepperoni pizzas for £11.50.

For all the latest prices and offers visit the food and drink page. Don’t forget Penryn Campus Shop is listed on the Too Good To Go app.

Reducing learning costs – use your library

The library should stock the materials you need for your modules, so please use the library before buying books on your reading list. If you can’t find something you need and can’t find, ask us and the team will do what they can to supply them.

We buy items on resource lists as ebooks, where they are available in this format, and wherever possible, if there are waiting lists for items we try to buy more copies. Please contact the library team if there is something you need that is not available.

We’ve removed library fines for overdue items. We hope this will help to support you at this time. But please remember to return your books as soon as you can for the benefit of others.

No purchase necessary

Remember that the social spaces and cafes on campus are here for you to use whether you’re buying something or not. If you want somewhere warm and comfy to hang out, you’re welcome to use The Upper and Lower Stannary, ESI café, AMATA café and Sustainability café without feeling obliged to buy anything.

Stay safe and warm

The library is open 24/7 if you're looking for somewhere warm to study and save money on your heating bills.

If you’re studying on campus, or travelling to and from home, at night please stay safe. Avoid travelling alone, try to stay with a group of friends if possible, and stick to busier and well-lit areas. In an emergency, call 999 or contact Campus Security if you’re on campus, through the SafeZone app or their emergency line 01326 254444.

Check in with SafeZone

Make sure you’ve downloaded the SafeZone app to quickly contact campus security should you need them when you’re on campus. If you’re staying late, or working alone or in hazardous areas, you can use the check in feature so that the team know where you are or the check in timer that raises an alert automatically if you get into difficulties and can’t use your phone.

Find out more about checking in on SafeZone.

Whether you’re just starting out at University or are returning to your studies, we have some tips to help you keep on top of your money. 

1. Consider opening a student bank account. 

If you’re getting a maintenance loan you’ll need it to be paid into a bank account. Banks offer a range of different accounts with different benefits and incentives. Find out more about the types of account available at Money Helper or check out Money Saving Expert for their advice on choosing the best account for you.

2. Work out your budget

  • Look at your money and how long it needs to last you. If you’re receiving a maintenance loan it will come in 3 termly instalments.
  • Work out how much you need for all your essential contracted fixed costs, such as rent and your phone bill – make sure you can pay these first.
  • Next how much do you need to live and study – for food, books and transport?
  • Then look at what’s left for other things you want to do, and balance what you can afford.

The UCAS budget calculator may help you, or there are other free budgeting tools online.
And the Students’ Union can help you with budgeting advice.

3. Make sure you’re getting all you’re entitled to

Depending on your circumstances you may be eligible for extra financial support, bursaries or benefits. For example, if you have caring responsibilities, need help to join a society, or need additional equipment to support your learning, there may be extra money available to you. Find out more in our Success For All Fund FAQs or ask your Students’ Union Advice Service. 

4. Look out for deals and savings

Lots of places offer student discounts and special deals. Check out Save The Student for the latest deals and freebies out there. Consider shopping together with your housemates so you can make the most of 'Buy One Get One Free' deals and bulk buying economies of scale.

5. Up your income

Consider a part time job if you can fit it around your studies. Career Zone advertise part time jobs that can help you gain experience and earn money while studying. Save The Student has a whole host of other money making tips, from shopping on cashback sites to completing paid surveys.

6. Don’t be tempted to use loan sharks, illegal money lenders, or quick-money schemes that may not be legitimate

If you’re struggling you can apply to our Success for All Fund for help during your time at Exeter. 

7. Deal with your debt

Although it can be stressful, problems with debt only get worse if you ignore them. Talk to your creditors about your situation and try to negotiate an affordable payment plan. If you’re struggling with paying your tuition fees, or the rent on your University accommodation, talk to us. You can contact us through the Student Information Desk (SID).  You can get advice on managing your debt from your Student Union or Student Guild advice service, or from debt organisations such as Step Change or National Debtline.

7. Ask for help

If you’re worried about your money, or dealing with debt, don’t keep it to yourself.  Please speak to your Students’ Union Advice Service. They can help find the right advice and support for you.  

Shopping and essentials