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Advice and support to help you manage your money

Information for students on the Streatham and St Luke's 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.


Cost of Living Survey

The Students’ Guild wants to hear from you about how the Cost of Living is impacting you and your student experience. Take the Cost of Living Survey by Friday 17 February and, by taking part, you could win one of 20x £100 love2shop vouchers.

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 the feedback form on The Students’ Guild  website.

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 Students' 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.

  • The Students’ Guild is running a Managing Your Money workshop every Monday this term. You can find out more and book your place here
  • You can get in touch with the brilliant Students’ Guild Advice Team run by the Students’ Guild. They are here to offer support.  

 

 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’ Guild in Exeter via this page www.exeterguild.com/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 6 October 2022

30 January

Don’t let money stop you taking part

Are your finances preventing you from joining a club or society? The Society & Club Participation Fund can help. It can provide up to £50 for memberships to societies and clubs as well as tickets for events and activities. The fund is available to any student who isn’t able to take part because of financial barriers, and those who’ve had awards from the Hardship Fund, or comes from a widening participation background. Find out more and how to apply here.

The Fund is being supported in part from Alumni donations, former Exeter Students whose generous contributions can help you make the most of your time here and fully enjoy the activities from your Students’ Guild and Athletics Union. Exeter Alumni have collectively donated more than £50k towards the wider University’s efforts to support student hardship and the Success for All Fund this academic year.

Cost of living survey

The Students’ Guild wants to hear from you about how the Cost of Living is impacting you and your student experience. Take the Cost of Living Survey by Friday 17 February and by taking part, you could win one of 20x £100 love2shop vouchers.

The survey is a collaboration between several Russell Group students’ unions including University College London who are hosting the survey. Your anonymised answers will be provided back to the Students’ Guild to give them insight into our students’ experiences.

Super Savour £2 meals

We provide subsidised hot meals on Streatham and St Luke's campuses. You can get a balanced, hot meal for just £2 from our Super Savour Kitchen, available between 11am and 2:30pm, Monday to Friday, during term time.

Streatham campus: first floor in Devonshire House (next to Exehale).
St Luke's campus: Cross Keys
Plus we make sure that there are low-cost options for hot meals, drinks and groceries in our Uni-run outlets at Streatham and St Luke’s, so we have something to suit all budgets. See the Eat and Shop Instagram for the latest offers.

Save money with a student bus pass

If you travel to and from Uni by bus, buying an annual Unirider Student Bus Pass can save you money.  At £276 per year it breaks down to only £1.04 per day, and you can buy your pass per term if you want to spread the cost over the year.  We’ve increased our subsidy of the UNI Bus to ensure it continues to provide a frequent service (every 20 minutes) between our campuses and the city centre. For details and other discounts and offers see our transport pages.

For a full timetable, journey planning and to track your bus, download the Stagecoach Bus app. We’re also continuing to fund the Night Bus service. This operates four nights a week in term time between the city centre and Streatham campus. It runs until 4am with discounted fares.

Enjoy Bournemouth Symphony Orchestra for just £5

Sunwook plays Bartok, Thursday 2 February, 7:30pm, The Great Hall, Streatham campus. Famous South Korean pianist Sunwook Kim plays at the Great Hall on Streatham campus this Thursday with Bournemouth Symphony Orchestra. Tickets are only £5 for students so why not try a live orchestra concert?

Book here using code UoEStu22.

Advice and support

If you need advice on managing your money and budgeting, contact your  Students’ Guild Advice team , or sign up to join one of their budget workshops, Mondays at 3.30pm. Register online. There’s also loads of information on all the advice and support available on these Cost of Living pages.


23 January

Financial Support

If you’re struggling with the Cost of Living, remember we have a range of bursaries and hardship funds in place to help you if your financial situation is affecting your ability to study. They don’t need to be paid back and can help with the cost of things such as IT equipment, accommodation, travel, childcare, living costs, additional course costs and other unexpected outgoings.

We’ve allocated an additional £1m to help students in financial difficulty this academic year, and a further £250,000 to our Hardship Fund to provide support for self-funded PhD students who now find they are struggling financially. So if your financial situation is affecting your ability to study, please apply for help through our Success for All Fund.

When you apply to the fund, we’ll make an individual assessment based on your circumstances and a review of your supporting documentation. If successful, we’ll award you funds that contribute to the level of support you need.

Debt advice from Step Change

We’re working with the UK’s leading debt advice charity, Step Change, to provide you with free, impartial and personalised support with your money and debt worries. If you’re worried about debt, it can be tempting to ignore the problem and hope it’ll go away on its own. But waiting often makes things worse – so it’s best to get help sooner.

You can get help

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.


16 January

Paying your tuition and accommodation fees

The Term Two payment date for tuition fees is 23 January. For those in University accommodation, this is also the date for the accommodation fee payment.

If you are unable to pay your tuition fees in one go, you can set up a Recurring Card Payment Plan (RCP). By setting this up in January, you will be able to split the fees into four monthly instalments which will allow you to pay in January (upon set up) and then in February, March and April (payment is taken on the 1st of each month). Get more details.

If you are in financial difficulty and struggling to pay your University accommodation and/or tuition fees, please log a SID enquiry to the Accounts Receivable team. If you are struggling with living expenses, find out what help is available from the Success for All fund.

Cost of Living Survey

The Students’ Guild wants to hear from you about how the Cost of Living is impacting you and your student experience. Take the Cost of Living Survey by Friday 17 February and by taking part, you could win one of 20x £100 love2shop vouchers.

The survey is a collaboration between several Russell Group students’ unions including University College London who are hosting the survey. Your anonymised answers will be provided back to the Students’ Guild to give them insight into our students’ experiences.

Super Savour £2 meals

We provide subsidised hot meals on Streatham and St Luke's campuses. You can get a balanced, hot meal for just £2 from our Super Savour Kitchen, available between 11am and 2:30pm, Monday to Friday, during term time.

Streatham campus: first floor in Devonshire House (next to Exehale).
St Luke's campus: Cross Keys
Plus we make sure that there are low-cost options for hot meals, drinks and groceries in our Uni-run outlets at Streatham and St Luke’s, so we have something to suit all budgets.

See the Eat and Shop Instagram for the latest offers.

Veganuary deals

Look out for the plant-based offers this month in outlets across Streatham and St Luke’s campuses. Including: 

  • Grab a plant power hot drinks loyalty card from any Barisca outlet and get a stamp for each hot drink with plant milk
  • Enjoy £1 off selected meals in iSCA Eats and The Ram Bar
  • Check out our offers in the Market Place Forum
  • Try our vegan specials in Cross Keys and La Touche

Follow us on Instagram @eatandshopexeterto keep up to date or visit the eat and shop website. 

Save money with a student bus pass

If you travel to and from Uni by bus, buying an annual Unirider Student Bus Pass can save you money.  At £276 per year it breaks down to only £1.04 per day, and you can buy your pass per term if you want to spread the cost over the year.  We’ve increased our subsidy of the UNI Bus to ensure it continues to provide a frequent service (every 20 minutes) between our campuses and the city centre. For details and other discounts and offers see our transport pages.

For a full timetable, journey planning and to track your bus, download the Stagecoach Bus app.

We’re also continuing to fund the Night Bus service. This operates four nights a week in term time between the city centre and Streatham campus. It runs until 4am with discounted fares.

Managing worry about money

The rising cost of living is making it harder for everyone to balance their finances. Worries about money can affect your wellbeing and mental health. According to Student Space managing your emotions around finance can be an important step in taking control of your money. Find out more here.

If you need advice on managing your money and budgeting, contact your Students’ Guild Advice team, or sign up to join one of their budget workshops, Mondays at 3.30pm. Register online.

Find a warm place to study

There are lots of options on campus to help you study in the warm this winter.  There are choices for groups, solo working, and silent study across our campuses. Plan ahead and book a group study room, a PC station or a silent study desk. Find and book a space on our study space finder.

Scholarship opportunity - apply by the end of the month

If you are currently studying an undergraduate course and due to graduate in 2025, you could be eligible for the Santander Universities Scholars Programme. They are giving 100 students, from the groups who face the most challenges whilst attending university, the opportunity to get up to £30k of funding over three years, access to a bespoke training and development programme, and entry to exclusive networking events.

Act now, find out whether you’re eligible and how to apply, the programme is open for applications until the end of January.


9 January

Budgeting advice

The Students’ Guild’s budgeting workshops continue this term. If you want help and advice on planning your spending, sign up to one of their sessions, Mondays at 3.30pm. Register online.

Low cost food on campus

  • The super savour kitchen £2 dish of the day, available from the pop up kitchen, first floor of Devonshire House from 11am – 2:30pm, Monday to Friday.
  • £2.99 Super Savour menu in Cross Keys and La Touche
  • Limited Edition BARiSCA hot drinks loyalty card - buy 4 get 5th FREE
  • 20% off iSCA EATS pizza every day between 3pm & 5pm (in store only)
  • 7 meals for £36 in catered halls - any meal, any day! Buy a card.

Veganuary deals

  • £1 off selected vegan meals in iSCA Eats and The Ram Bar
  • 'Plant Power' hot drinks loyalty cards
  • 10% off the Proper Cornish vegan range in the Market Place Forum

There are more details on the Eat and Shop website.

Free soup at St Luke's Chapel

Every Thursday from 12:30pm to 2pm, the Chaplaincy offers a free soup lunch at St Luke's Chapel, St Luke's Campus. Drop in any time. People from all faiths or none are warmly welcomed. 

See more details and other Multifaith Chaplaincy events

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’ Guild 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’ Guild 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’ Guild Advice Service. They can help find the right advice and support for you.  

Shopping and essentials