Help and advice
Useful resources
Get top tips and advice from fellow students, in our Cost of Living students blog.
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 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.
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 Money Helper Budget Planner 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. Follow them on Instagram @uoecornwallcareerzone for the latest vacancies.
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.
