{"id":10915,"date":"2016-05-03T15:39:00","date_gmt":"2016-05-03T15:39:00","guid":{"rendered":"\/studentservices\/managing-your-money\/"},"modified":"2026-03-02T08:40:32","modified_gmt":"2026-03-02T08:40:32","slug":"managing-your-money","status":"publish","type":"page","link":"https:\/\/www.edgehill.ac.uk\/departments\/support\/studentservices\/moneyadvice\/managing-your-money\/","title":{"rendered":"Banking and budgeting"},"content":{"rendered":"\n<a id=\"student-bank-accounts\"><\/a>\n\n\n<div class=\"lazyblock-ehu-expanding-box-2fzt4o wp-block-lazyblock-ehu-expanding-box\">            <div class=\"expander-wrap \">\n                <div class=\"expander__header\">\n                    <span class=\"expander__title\"><h2>Student bank accounts<\/h2><\/span>\n                    <button class=\"expander__btn\" aria-label=\"Toggle\"><span class=\"fa fa-chevron-down\"><\/span><\/button>\n                <\/div>\n                                <div class=\"expander__content\" style=\"display: none;\"><p><\/p>\n\n<h3 class=\"wp-block-heading\" id=\"student-bank-accounts\">Setting up an account<\/h3>\n\n\n\n<p>For Year 1 students, it is a good idea to open a student bank account at the very start of the first term so that your student loan can be paid into this at the beginning of each term. A fully confirmed maintenance loan usually takes 3 &#8211; 5 working days to arrive into a bank account after stage 2 enrolment and attendance. For Year 1 courses, this payment is an automatic process after enrolment and attendance. <\/p>\n\n\n<div class=\"lazyblock-ehu-button-block-ZgypIi wp-block-lazyblock-ehu-button-block\"><a class=\"ehu-buttons wp-block-button__link\" href=\"https:\/\/edgehill.ac.uk\/departments\/support\/registry\/enrolment\/\">View details of the course enrolment process<span class=\"fa fa-arrow-right\"><\/span><\/a><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"shopping\">Shopping around<\/h3>\n\n\n\n<p>With most major high street banks offering student bank accounts, it is a good idea to shop around for incentives. Many banks offer authorised interest-free overdrafts and free gifts. The UCAS website has some useful advice on <a aria-label=\"Useful advice on how to choose a bank account\" href=\"https:\/\/www.ucas.com\/finance\/managing-money\/choosing-bank-account\" target=\"_blank\" rel=\"noopener noreferrer\">how to choose a bank account<\/a>. When choosing a bank account, it is important to consider what will happen to your interest-free overdraft <a href=\"https:\/\/www.moneysavingexpert.com\/students\/graduate-bank-accounts\/\" target=\"_blank\" rel=\"noreferrer noopener\">after graduation<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"lazyblock-ehu-card-1LXNQF wp-block-lazyblock-ehu-card\">        <div class=\"related__panel\">\n                        <a href=\"https:\/\/www.savethestudent.org\/money\/student-banking\/student-bank-accounts.html\" class=\"related__panel\">\n                            \n                <div class=\"related__content\">\n                                        <p class=\"related__tag\"><\/p>\n                                                            <span class=\"related__title\">Save the Student <span class=\"fa fa-arrow-right\"><\/span><\/span>\n\t                                                        <div class=\"card-subtext\">\n                        <p class=\"ehu-card-subtext\"><\/p>\n                    <\/div>\n\t                                <\/div>\n\n                                                        <\/a>\n                    <\/div>\n        <\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"lazyblock-ehu-card-Z1Cmq96 wp-block-lazyblock-ehu-card\">        <div class=\"related__panel\">\n                        <a href=\"https:\/\/www.which.co.uk\/money\/banking\/student-and-graduate-bank-accounts\/student-bank-accounts-ablvm7t6pdjr\" class=\"related__panel\">\n                            \n                <div class=\"related__content\">\n                                        <p class=\"related__tag\"><\/p>\n                                                            <span class=\"related__title\">Which <span class=\"fa fa-arrow-right\"><\/span><\/span>\n\t                                                        <div class=\"card-subtext\">\n                        <p class=\"ehu-card-subtext\"><\/p>\n                    <\/div>\n\t                                <\/div>\n\n                                                        <\/a>\n                    <\/div>\n        <\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"lazyblock-ehu-card-ZFQJAW wp-block-lazyblock-ehu-card\">        <div class=\"related__panel\">\n                        <a href=\"https:\/\/www.moneysavingexpert.com\/students\/Student-bank-account\/\" class=\"related__panel\">\n                            \n                <div class=\"related__content\">\n                                        <p class=\"related__tag\"><\/p>\n                                                            <span class=\"related__title\">Money Saving Expert <span class=\"fa fa-arrow-right\"><\/span><\/span>\n\t                                                        <div class=\"card-subtext\">\n                        <p class=\"ehu-card-subtext\"><\/p>\n                    <\/div>\n\t                                <\/div>\n\n                                                        <\/a>\n                    <\/div>\n        <\/div><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Proving your student status<\/h3>\n\n\n\n<p>Banks will need to verify your identity and student status through documents such as your passport, driving licence, and enrolment evidence. Each bank will have its own procedures so it&#8217;s worth checking what you&#8217;ll need before you apply. You can <a href=\"https:\/\/www.edgehill.ac.uk\/service\/course-confirmation\/\">request a course confirmation letter<\/a> from enrolment, if you need one.<\/p>\n\n<\/div>\n            <\/div>\n            <\/div>\n\n\n<a id=\"your-credit-rating\"><\/a>\n\n\n<div class=\"lazyblock-ehu-expanding-box-Z2vPdq2 wp-block-lazyblock-ehu-expanding-box\">            <div class=\"expander-wrap \">\n                <div class=\"expander__header\">\n                    <span class=\"expander__title\"><h2>Your credit rating<\/h2><\/span>\n                    <button class=\"expander__btn\" aria-label=\"Toggle\"><span class=\"fa fa-chevron-down\"><\/span><\/button>\n                <\/div>\n                                <div class=\"expander__content\" style=\"display: none;\"><p><\/p>\n\n<p>Banks will carry out a credit check before they open your account. You can find out how to check your credit report on the <a href=\"https:\/\/www.moneyadviceservice.org.uk\/en\/articles\/how-to-check-your-credit-report\" target=\"_blank\" rel=\"noopener noreferrer\">Money Advice Service website<\/a>. They also have advice on how you can <a href=\"https:\/\/www.moneyadviceservice.org.uk\/en\/articles\/how-to-improve-your-credit-rating\" target=\"_blank\" rel=\"noopener noreferrer\">improve your credit rating<\/a>.<\/p>\n\n<\/div>\n            <\/div>\n            <\/div>\n\n\n<a id=\"basic-bank-accounts-and-credit-rating\"><\/a>\n\n\n<div class=\"lazyblock-ehu-expanding-box-zN7ac wp-block-lazyblock-ehu-expanding-box\">            <div class=\"expander-wrap \">\n                <div class=\"expander__header\">\n                    <span class=\"expander__title\"><h2>Basic bank accounts and credit rating<\/h2><\/span>\n                    <button class=\"expander__btn\" aria-label=\"Toggle\"><span class=\"fa fa-chevron-down\"><\/span><\/button>\n                <\/div>\n                                <div class=\"expander__content\" style=\"display: none;\"><p><\/p>\n\n<p>If, for any reason, you are unable to get a student bank account or a normal current account, you could consider a <a href=\"https:\/\/www.moneysavingexpert.com\/banking\/basic-bank-accounts\/\" target=\"_blank\" rel=\"noopener noreferrer\">basic bank account<\/a>. These accounts are similar to normal bank accounts but do not require a <a href=\"https:\/\/www.moneyadviceservice.org.uk\/en\/articles\/how-to-check-your-credit-report\" target=\"_blank\" rel=\"noopener noreferrer\">credit check<\/a> and may have more basic features.<\/p>\n\n<\/div>\n            <\/div>\n            <\/div>\n\n\n<a id=\"bank-charges\"><\/a>\n\n\n<div class=\"lazyblock-ehu-expanding-box-17IPUG wp-block-lazyblock-ehu-expanding-box\">            <div class=\"expander-wrap \">\n                <div class=\"expander__header\">\n                    <span class=\"expander__title\"><h2>Bank charges<\/h2><\/span>\n                    <button class=\"expander__btn\" aria-label=\"Toggle\"><span class=\"fa fa-chevron-down\"><\/span><\/button>\n                <\/div>\n                                <div class=\"expander__content\" style=\"display: none;\"><p><\/p>\n\n<p>Excessive bank charges are no longer a future issue, as many banks are no longer charging fees for going over an overdraft limit. Although, overdrafts that are not authorised as part of a Student Bank Account will charge a high interest rate and should be avoided.<\/p>\n\n\n\n<p>However, if you have received several past charges from your bank it may be worth contacting them to request support.<\/p>\n\n\n\n<p>Many successful refunds relate to situations where:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>charges are creating financial hardship, resulting in being unable to pay for necessities.<\/li>\n\n\n\n<li>bank charges are added to past bank charges, putting customers further into the red and potentially causing further charges.<\/li>\n\n\n\n<li>charges are disproportionate to the amount of debt.<\/li>\n<\/ul>\n\n\n\n<p>Here are three guides that could help you with the options and limit on reclaiming bank charges.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"lazyblock-ehu-card-x2dFX wp-block-lazyblock-ehu-card\">        <div class=\"related__panel\">\n                        <a href=\"https:\/\/www.moneysavingexpert.com\/reclaim\/bank-charges\/\" class=\"related__panel\">\n                            \n                <div class=\"related__content\">\n                                        <p class=\"related__tag\"><\/p>\n                                                            <span class=\"related__title\">Money Saving Expert <span class=\"fa fa-arrow-right\"><\/span><\/span>\n\t                                                        <div class=\"card-subtext\">\n                        <p class=\"ehu-card-subtext\"><\/p>\n                    <\/div>\n\t                                <\/div>\n\n                                                        <\/a>\n                    <\/div>\n        <\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"lazyblock-ehu-card-2vUAm6 wp-block-lazyblock-ehu-card\">        <div class=\"related__panel\">\n                        <a href=\"https:\/\/www.moneyadviceservice.org.uk\/en\/articles\/how-to-reclaim-unfair-bank-charges\" class=\"related__panel\">\n                            \n                <div class=\"related__content\">\n                                        <p class=\"related__tag\"><\/p>\n                                                            <span class=\"related__title\">Money Advice Service <span class=\"fa fa-arrow-right\"><\/span><\/span>\n\t                                                        <div class=\"card-subtext\">\n                        <p class=\"ehu-card-subtext\"><\/p>\n                    <\/div>\n\t                                <\/div>\n\n                                                        <\/a>\n                    <\/div>\n        <\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"lazyblock-ehu-card-6cUTM wp-block-lazyblock-ehu-card\">        <div class=\"related__panel\">\n                        <a href=\"http:\/\/www.financial-ombudsman.org.uk\/faq\/bank-charges.html\" class=\"related__panel\">\n                            \n                <div class=\"related__content\">\n                                        <p class=\"related__tag\"><\/p>\n                                                            <span class=\"related__title\">Financial Ombudsman <span class=\"fa fa-arrow-right\"><\/span><\/span>\n\t                                                        <div class=\"card-subtext\">\n                        <p class=\"ehu-card-subtext\"><\/p>\n                    <\/div>\n\t                                <\/div>\n\n                                                        <\/a>\n                    <\/div>\n        <\/div><\/div>\n<\/div>\n\n\n\n<p>Successful &#8216;unfair&#8217; bank charge claims can, in some situations, result in the bank account being closed. It is important to check the terms and conditions attached to an offer of bank charge refunds.<\/p>\n\n<\/div>\n            <\/div>\n            <\/div>\n\n\n<a id=\"budgeting\"><\/a>\n\n\n<div class=\"lazyblock-ehu-expanding-box-16WkLt wp-block-lazyblock-ehu-expanding-box\">            <div class=\"expander-wrap \">\n                <div class=\"expander__header\">\n                    <span class=\"expander__title\"><h2>Budgeting<\/h2><\/span>\n                    <button class=\"expander__btn\" aria-label=\"Toggle\"><span class=\"fa fa-chevron-down\"><\/span><\/button>\n                <\/div>\n                                <div class=\"expander__content\" style=\"display: none;\"><p><\/p>\n\n<h3 class=\"wp-block-heading\">Budget Planner<\/h3>\n\n\n\n<p>If you wish to plan your money by the term, try our very own budgeting sheets designed by Edge Hill students. Feel free to download and change it as you wish.<\/p>\n\n\n<div class=\"lazyblock-ehu-cta-Z1E4jWo wp-block-lazyblock-ehu-cta\">                        <div class=\"wp-block-button feature-cta\">\n                <a class=\"ehu-cta wp-block-button__link\" href=\"https:\/\/edgehill.ac.uk\/document\/budget-planner\/\">Download your own budget planner<span class=\"fa fa-arrow-right\"><\/span><\/a>\n            <\/div>\n            <\/div>\n\n\n<div style=\"height:37px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"lazyblock-ehu-card-e1DeK wp-block-lazyblock-ehu-card\">        <div class=\"related__panel\">\n                        <a href=\"https:\/\/budgetbuilder.themoneycharity.org.uk\/login\/\" class=\"related__panel\">\n                            \n                <div class=\"related__content\">\n                                        <p class=\"related__tag\"><\/p>\n                                                            <span class=\"related__title\">The Money Charity <span class=\"fa fa-arrow-right\"><\/span><\/span>\n\t                                                        <div class=\"card-subtext\">\n                        <p class=\"ehu-card-subtext\">This is a general budget planner that can be updated online. Please keep in mind that the calculator gives a yearly figure so this will need to be divided by the number of weeks in the year. <br><br>Semester 1 usually runs for 15 weeks including the two week holiday.<br><br>The calculator should take approximately 10 minutes to complete.<\/p>\n                    <\/div>\n\t                                <\/div>\n\n                                                        <\/a>\n                    <\/div>\n        <\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"lazyblock-ehu-card-1Q6B29 wp-block-lazyblock-ehu-card\">        <div class=\"related__panel\">\n                        <a href=\"http:\/\/www.moneysavingexpert.com\/banking\/Budget-planning#bplanner\" class=\"related__panel\">\n                            \n                <div class=\"related__content\">\n                                        <p class=\"related__tag\"><\/p>\n                                                            <span class=\"related__title\">Money Saving Expert (Martin Lewis) <span class=\"fa fa-arrow-right\"><\/span><\/span>\n\t                                                        <div class=\"card-subtext\">\n                        <p class=\"ehu-card-subtext\">This budget calculator is designed to accurately capture the way\u00a0you spend\u00a0and\u00a0is more comprehensive than most. It\u00a0takes 15-20 minutes to complete if\u00a0you have all the information required beforehand.<br><br>There are three versions of the tool: the big online financial analyser tool, an Excel or Open Office version if you prefer spreadsheets, or print-out if you don\u2019t.<\/p>\n                    <\/div>\n\t                                <\/div>\n\n                                                        <\/a>\n                    <\/div>\n        <\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"lazyblock-ehu-card-2nkqCi wp-block-lazyblock-ehu-card\">        <div class=\"related__panel\">\n                        <a href=\"https:\/\/www.savethestudent.org\/rent-calculator\" class=\"related__panel\">\n                            \n                <div class=\"related__content\">\n                                        <p class=\"related__tag\"><\/p>\n                                                            <span class=\"related__title\"><strong>Rent Budget Calculator<\/strong> <span class=\"fa fa-arrow-right\"><\/span><\/span>\n\t                                                        <div class=\"card-subtext\">\n                        <p class=\"ehu-card-subtext\">Use this Rent budget calculator from Save the Student to see how much rent you can afford to pay each month. This will take into account your other costs as well.<\/p>\n                    <\/div>\n\t                                <\/div>\n\n                                                        <\/a>\n                    <\/div>\n        <\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"lazyblock-ehu-card-XFOFO wp-block-lazyblock-ehu-card\">        <div class=\"related__panel\">\n                        <a href=\"https:\/\/rmbf.org\/medical-students\/budget-planner\/\" class=\"related__panel\">\n                            \n                <div class=\"related__content\">\n                                        <p class=\"related__tag\"><\/p>\n                                                            <span class=\"related__title\">Royal Medical Benevolent Fund Budget Calculator <span class=\"fa fa-arrow-right\"><\/span><\/span>\n\t                                                        <div class=\"card-subtext\">\n                        <p class=\"ehu-card-subtext\">This budget planner is designed for medical students but can be used by anyone.<\/p>\n                    <\/div>\n\t                                <\/div>\n\n                                                        <\/a>\n                    <\/div>\n        <\/div><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Budgeting apps<\/h3>\n\n\n\n<p>You can download these handy apps on your phone to keep track of your spending on the go.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"lazyblock-ehu-card-P42ey wp-block-lazyblock-ehu-card\">        <div class=\"related__panel\">\n                        <a href=\"https:\/\/www.moneydashboard.com\/\" class=\"related__panel\">\n                            \n                <div class=\"related__content\">\n                                        <p class=\"related__tag\"><\/p>\n                                                            <span class=\"related__title\">Money Dashboard <span class=\"fa fa-arrow-right\"><\/span><\/span>\n\t                                                        <div class=\"card-subtext\">\n                        <p class=\"ehu-card-subtext\">Money Dashboard brings together all your accounts onto a central dashboard. The app lets you see where your money is being spent and set limits on your spending.<\/p>\n                    <\/div>\n\t                                <\/div>\n\n                                                        <\/a>\n                    <\/div>\n        <\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Helpful budgeting websites<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"http:\/\/www.moneyadviceservice.org.uk\/en\/tools\/quick-cash-finder\/calculators\">Money Helper<\/a><\/strong> &#8211; their online tool is a quick way to save cash and it only take a minute.<\/li>\n\n\n\n<li><a href=\"https:\/\/themoneycharity.org.uk\/work\/adults\/money-manual\/?utm_source=Individuals+-+The+Money+Charity&amp;utm_campaign=4ce3cbd066-The+Money+Statistics+February+2020_COPY_01&amp;utm_medium=email&amp;utm_term=0_1e74a1b033-4ce3cbd066-1204734333\"><strong>The Money Manual<\/strong><\/a> &#8211; Find handy tips in The Money Charity&#8217;s guide to managing your money.<\/li>\n\n\n\n<li>Use the <a href=\"https:\/\/www.gov.uk\/student-finance-calculator\"><strong>on<\/strong><strong>line student finance calculator<\/strong><\/a> to estimate your student loan.<\/li>\n\n\n\n<li>The <a aria-label=\"Link to a list of advice from the Money Saving Expert website\" href=\"https:\/\/www.moneysavingexpert.com\/students\/student-guide\/\"><strong>Money Saving expert website<\/strong><\/a> has a list of sixty ways that you can make the most of your money, and it&#8217;s aimed specifically at students.<\/li>\n<\/ul>\n\n<\/div>\n            <\/div>\n            <\/div>\n\n<div class=\"lazyblock-ehu-promo-panel-dTUga wp-block-lazyblock-ehu-promo-panel\">            <div class=\"aaaaaa has-media-on-the-left\">\n                <div class=\"promo-wrap\">\n                    <div class=\"promo__content\" style=\"max-width:40rem\">\n                                                <span class=\"promo__title\">We are here for you<\/span>\n                                                                            <p>The Money Advice team offer virtual and telephone appointments, which can be booked 72 hours in advance. Appointments are for 30 minutes. If needed, a follow-up appointment will be arranged. <br><br>The team can offer guidance on all money-related matters including student funding, they can help with personal finances and provide advice on the Student Support Fund.<\/p>\n                                                                            <a href=\"https:\/\/www.edgehill.ac.uk\/service\/money-advice-portal\/\" class=\"cta\">Book an appointment<span class=\"fa fa-arrow-right\"><\/span><\/a>\n                                            <\/div>\n                                            <figure class=\"promo__image-wrap\">\n                            <img decoding=\"async\" data-src=\"https:\/\/www.edgehill.ac.uk\/wp-content\/uploads\/2023\/11\/money-advice.jpg\" alt=\"\" class=\"wp-image size-full lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1920px; --smush-placeholder-aspect-ratio: 1920\/1080;\" \/>\n                        <\/figure>\n                                    <\/div>\n            <\/div>\n<\/div>\n\n\n<a id=\"rules-on-bank-charges-for-unarranged-overdrafts\"><\/a>\n\n\n<div class=\"lazyblock-ehu-expanding-box-gKOpF wp-block-lazyblock-ehu-expanding-box\">            <div class=\"expander-wrap \">\n                <div class=\"expander__header\">\n                    <span class=\"expander__title\"><h2>Rules on bank charges for unarranged overdrafts<\/h2><\/span>\n                    <button class=\"expander__btn\" aria-label=\"Toggle\"><span class=\"fa fa-chevron-down\"><\/span><\/button>\n                <\/div>\n                                <div class=\"expander__content\" style=\"display: none;\"><p><\/p>\n\n<p>Since 6 April 2020 banks have no longer been able to charge fixed daily or monthly fees for an overdraft and must now charge a single interest rate for all overdrafts whether they are arranged or unarranged.<\/p>\n\n\n\n<p>An arranged overdraft is set up by agreement in advance, whereas an unarranged one is when an account balance dips below zero by accident due to a direct debit or payment coming out. Overdrafts are usually (apart from student overdrafts with a 0% rate of interest) designed for very short-term use and should be avoided.<\/p>\n\n\n\n<p>This <a href=\"https:\/\/www.fca.org.uk\/news\/press-releases\/fca-confirms-biggest-shake-up-overdraft-market\" target=\"_blank\" rel=\"noreferrer noopener\">rule from the Financial Conduct Authority (FCA)<\/a> also means banks cannot charge customers more for unarranged overdrafts than for arranged overdrafts.<\/p>\n\n\n<div class=\"lazyblock-ehu-announcement-Z1bQUbm wp-block-lazyblock-ehu-announcement\">  <div class=\"ehu-announcement full\" style=\"background-color: #f1dbf6; border: 1px solid #884a93;\" role=\"alert\" \n  aria-live=\"polite\">\n      <div class=\"ehu-announcement-icon\" aria-hidden=\"true\">\n          <span class=\"disclaimer__icon fas fa-info-circle\" style=\"color: #5f295f;\"><\/span>\n      <\/div>\n      <div class=\"ehu-announcement-text\" style=\"color: #1d1d1d;\">\n          Watch out for the new overdraft interest charges that, in some cases, have soared since this rule was proposed. It is always worth checking all emails, texts and letters from your bank as these may have vital updates on new charges.      <\/div>\n  <\/div>\n  <\/div>\n\n\n<p>If you have an arranged or unarranged overdraft and are worried about the interest rates, it would be a good idea to talk to the bank and ask for help &#8211; here is <a href=\"https:\/\/www.moneysavingexpert.com\/news\/2020\/01\/subtle-fca-note-will-be-welcome-relief-to-those-hurt-by-overdraf\/\" target=\"_blank\" rel=\"noreferrer noopener\">a guide from Money Saving Expert <\/a>on how to do this.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"lazyblock-ehu-card-1I6IMr wp-block-lazyblock-ehu-card\">        <div class=\"related__panel\">\n                        <a href=\"https:\/\/www.savethestudent.org\/money\/student-banking\/student-bank-accounts.html\" class=\"related__panel\">\n                            \n                <div class=\"related__content\">\n                                        <p class=\"related__tag\"><\/p>\n                                                            <span class=\"related__title\">Save the Student <span class=\"fa fa-arrow-right\"><\/span><\/span>\n\t                                                        <div class=\"card-subtext\">\n                        <p class=\"ehu-card-subtext\">Find advice on reducing overdrafts and their costs.<\/p>\n                    <\/div>\n\t                                <\/div>\n\n                                                        <\/a>\n                    <\/div>\n        <\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"lazyblock-ehu-card-1siF7d wp-block-lazyblock-ehu-card\">        <div class=\"related__panel\">\n                        <a href=\"https:\/\/www.moneysavingexpert.com\/banking\/cut-overdraft-costs\/\" class=\"related__panel\">\n                            \n                <div class=\"related__content\">\n                                        <p class=\"related__tag\"><\/p>\n                                                            <span class=\"related__title\">Money Saving Expert <span class=\"fa fa-arrow-right\"><\/span><\/span>\n\t                                                        <div class=\"card-subtext\">\n                        <p class=\"ehu-card-subtext\">Find advice on reducing overdrafts and their costs.<\/p>\n                    <\/div>\n\t                                <\/div>\n\n                                                        <\/a>\n                    <\/div>\n        <\/div><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n<\/div>\n            <\/div>\n            <\/div>\n\n\n<a id=\"spending-targets-to-stretch-your-loan\"><\/a>\n\n\n<div class=\"lazyblock-ehu-expanding-box-Z1wSm3B wp-block-lazyblock-ehu-expanding-box\">            <div class=\"expander-wrap \">\n                <div class=\"expander__header\">\n                    <span class=\"expander__title\"><h2>Spending targets to stretch your loan<\/h2><\/span>\n                    <button class=\"expander__btn\" aria-label=\"Toggle\"><span class=\"fa fa-chevron-down\"><\/span><\/button>\n                <\/div>\n                                <div class=\"expander__content\" style=\"display: none;\"><p><\/p>\n\n<p>One of the best ways to solve any worries and reduce the stress with money is to take a few minutes to set up a termly spending target. All you will need is a basic list of income and outgoings over the term.<\/p>\n\n\n\n<p>Any spending targets can be used as a guide to pin point and solve any issues even if you are short of cash. Some weeks you may spend over the target but in other weeks you may spend less. The key is to keep an eye on the target and see if you need to adapt your income, reduce your spending or seek help.<\/p>\n\n<\/div>\n            <\/div>\n            <\/div>\n\n\n<a id=\"student-discounts\"><\/a>\n\n\n<div class=\"lazyblock-ehu-expanding-box-Z1GC0wU wp-block-lazyblock-ehu-expanding-box\">            <div class=\"expander-wrap \">\n                <div class=\"expander__header\">\n                    <span class=\"expander__title\"><h2>Student discounts<\/h2><\/span>\n                    <button class=\"expander__btn\" aria-label=\"Toggle\"><span class=\"fa fa-chevron-down\"><\/span><\/button>\n                <\/div>\n                                <div class=\"expander__content\" style=\"display: none;\"><p><\/p>\n\n<p><\/p>\n\n\n\n<p>Being a student means you can take advantage of generous student discounts both online and in store. Many of these offers are also available to students studying on an apprenticeship programme. The links below take you to some of the most popular discounts and deals and it&#8217;s always good to ask if student discounts are available, whether you&#8217;re eating out, shopping, or getting a haircut.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"lazyblock-ehu-card-ZSaJSt wp-block-lazyblock-ehu-card\">        <div class=\"related__panel\">\n                        <a href=\"https:\/\/totum.com\/discount\/edge-hill-su-shop\" class=\"related__panel\">\n                            \n                <div class=\"related__content\">\n                                        <p class=\"related__tag\"><\/p>\n                                                            <span class=\"related__title\">TOTUM <span class=\"fa fa-arrow-right\"><\/span><\/span>\n\t                                                        <div class=\"card-subtext\">\n                        <p class=\"ehu-card-subtext\">TOTUM (powered by NUS Extra) gives you access to a huge range of student discounts. You can buy the card online by visiting the Students&#8217; Union.<br><br><\/p>\n                    <\/div>\n\t                                <\/div>\n\n                                                        <\/a>\n                    <\/div>\n        <\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"lazyblock-ehu-card-1EMFsM wp-block-lazyblock-ehu-card\">        <div class=\"related__panel\">\n                        <a href=\"http:\/\/www.myunidays.co.uk\/\" class=\"related__panel\">\n                            \n                <div class=\"related__content\">\n                                        <p class=\"related__tag\"><\/p>\n                                                            <span class=\"related__title\">UNIDAYS <span class=\"fa fa-arrow-right\"><\/span><\/span>\n\t                                                        <div class=\"card-subtext\">\n                        <p class=\"ehu-card-subtext\">By registering\u00a0on their website\u00a0you can gain access to lots of discounts and offers for both online and high-street retailers. There\u2019s no charge for the service and they also have a really handy app which you can use in many high-street retailers to prove your student status.<\/p>\n                    <\/div>\n\t                                <\/div>\n\n                                                        <\/a>\n                    <\/div>\n        <\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"lazyblock-ehu-card-Z28Ljuo wp-block-lazyblock-ehu-card\">        <div class=\"related__panel\">\n                        <a href=\"https:\/\/www.16-25railcard.co.uk\/\" class=\"related__panel\">\n                            \n                <div class=\"related__content\">\n                                        <p class=\"related__tag\"><\/p>\n                                                            <span class=\"related__title\">16-25 Railcard <span class=\"fa fa-arrow-right\"><\/span><\/span>\n\t                                                        <div class=\"card-subtext\">\n                        <p class=\"ehu-card-subtext\">Costing \u00a330 per year or \u00a370 for the three-year option, the 16-25 Railcard gives you a third off all train travel in the UK. It&#8217;s available to any individual under the age of 25 but full-time students over the age of 25 are also eligible to apply. You can apply online by visiting their website\u00a0or in person at any rail station. If you need to get your application form stamped by Edge Hill University, the staff at the Student Information Desk in the Student Information Centre (SIC) can do this for you.<br><\/p>\n                    <\/div>\n\t                                <\/div>\n\n                                                        <\/a>\n                    <\/div>\n        <\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"lazyblock-ehu-card-UXogu wp-block-lazyblock-ehu-card\">        <div class=\"related__panel\">\n                        <a href=\"http:\/\/www.nationalexpress.com\/\" class=\"related__panel\">\n                            \n                <div class=\"related__content\">\n                                        <p class=\"related__tag\"><\/p>\n                                                            <span class=\"related__title\">National Express <span class=\"fa fa-arrow-right\"><\/span><\/span>\n\t                                                        <div class=\"card-subtext\">\n                        <p class=\"ehu-card-subtext\">Travelling by coach is very likely to work out much cheaper than travelling by train and National Express serves all major cities, and many towns. All full-time students are eligible to apply for a Young Persons Coach Card which costs just \u00a310 and gives you a third off all tickets. Visit the website\u00a0for more information.<br><br><\/p>\n                    <\/div>\n\t                                <\/div>\n\n                                                        <\/a>\n                    <\/div>\n        <\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"lazyblock-ehu-card-C658E wp-block-lazyblock-ehu-card\">        <div class=\"related__panel\">\n                        <a href=\"https:\/\/www.studentbeans.com\/\" class=\"related__panel\">\n                            \n                <div class=\"related__content\">\n                                        <p class=\"related__tag\"><\/p>\n                                                            <span class=\"related__title\">Student Beans <span class=\"fa fa-arrow-right\"><\/span><\/span>\n\t                                                        <div class=\"card-subtext\">\n                        <p class=\"ehu-card-subtext\">Student Beans has a variety\u00a0of student discounts, offers and vouchers from a range of\u00a0popular high street and online retailers.<\/p>\n                    <\/div>\n\t                                <\/div>\n\n                                                        <\/a>\n                    <\/div>\n        <\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"lazyblock-ehu-card-2esUrR wp-block-lazyblock-ehu-card\">        <div class=\"related__panel\">\n                        <a href=\"http:\/\/www.savethestudent.org\/\" class=\"related__panel\">\n                            \n                <div class=\"related__content\">\n                                        <p class=\"related__tag\"><\/p>\n                                                            <span class=\"related__title\">Save the Student <span class=\"fa fa-arrow-right\"><\/span><\/span>\n\t                                                        <div class=\"card-subtext\">\n                        <p class=\"ehu-card-subtext\">Save the Student is a great resource for all things money-related, not just discounts. It has a wide selection of articles to help you\u00a0make, save and spend money during your time at university.<\/p>\n                    <\/div>\n\t                                <\/div>\n\n                                                        <\/a>\n                    <\/div>\n        <\/div><\/div>\n<\/div>\n\n<\/div>\n            <\/div>\n            <\/div>\n\n\n<a id=\"food\"><\/a>\n\n\n<div class=\"lazyblock-ehu-expanding-box-1QbE0V wp-block-lazyblock-ehu-expanding-box\">            <div class=\"expander-wrap \">\n                <div class=\"expander__header\">\n                    <span class=\"expander__title\"><h2>Food<\/h2><\/span>\n                    <button class=\"expander__btn\" aria-label=\"Toggle\"><span class=\"fa fa-chevron-down\"><\/span><\/button>\n                <\/div>\n                                <div class=\"expander__content\" style=\"display: none;\"><p><\/p>\n\n<p>If you&#8217;re unsure about taking the first steps into the kitchen, here are some websites that will make cooking a breeze.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a><\/a><a href=\"https:\/\/www.youtube.com\/channel\/UCoqoDoaofeHwfBRkcZT_sRQ\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Student Eats<\/strong><\/a> has a great YouTube channel with loads of quick, easy and tasty recipes.<\/li>\n\n\n\n<li><strong><u>Student Cooking TV<\/u><\/strong> has loads of recipes with step-by-step visual guides.&nbsp;Recipes are also categorised to make finding tonight&#8217;s perfect meal simple.<\/li>\n\n\n\n<li>Feel like a takeaway but can&#8217;t afford it? Making your own version&nbsp;can be healthier for both you and your wallet. Have a look at <strong><u><a href=\"http:\/\/www.bbcgoodfood.com\/recipes\/collection\/takeaway-favourite\" target=\"_blank\" rel=\"noreferrer noopener\">BBC Good Food&#8217;s Takeaway Favourites<\/a><\/u><\/strong> for inspiration.<\/li>\n\n\n\n<li>Want to know what&#8217;s cooking in other students&#8217; kitchens? Take a look at <strong><u><a href=\"https:\/\/studentrecipes.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Student Recipes<\/a><\/u><\/strong> to see what&#8217;s been rated highly or to share your own ideas.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Reducing food costs<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>It&#8217;s a good idea to budget how much you can spend on food each week so you&#8217;re not living on tins of beans and used teabags&nbsp;by the end of the month.<\/li>\n\n\n\n<li>Include treats in your budget, such as nights out and meals with friends. You don&#8217;t want to miss out on something fun because you&#8217;ve got no money left.<\/li>\n\n\n\n<li>Save money on your snacks by buying multi-packs in advance rather than grabbing something on the go.<\/li>\n\n\n\n<li>Bulk cooking is a great way to save money. Making big batches of your favourite meals and then freezing them into individual portions will save you both money and time when you come home hungry.<\/li>\n\n\n\n<li>Why not do your shopping at the end of the day when&nbsp;lots of items are drastically reduced?<\/li>\n\n\n\n<li>Don&#8217;t go shopping on an empty stomach.<\/li>\n\n\n\n<li><span style=\"text-decoration: underline\"><strong><a href=\"http:\/\/www.moneysavingexpert.com\/shopping\/cheap-supermarket-shopping?_ga=1.164498679.916188499.1477649924\" target=\"_blank\" rel=\"noopener noreferrer\">Money Saving Expert<\/a><\/strong><\/span> has put together 33 tips and tricks to slash the cost of your shopping trip, including when to find reduced items and writing a meal plan.<\/li>\n<\/ul>\n\n<\/div>\n            <\/div>\n            <\/div>\n\n<div class=\"lazyblock-ehu-cta-Z1fcrFP wp-block-lazyblock-ehu-cta\">                        <div class=\"wp-block-button feature-cta\">\n                <a class=\"ehu-cta wp-block-button__link\" href=\"https:\/\/www.edgehill.ac.uk\/departments\/support\/studentservices\/moneyadvice\/\">Money advice homepage<span class=\"fa fa-arrow-right\"><\/span><\/a>\n            <\/div>\n            <\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"advice\">More advice<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"lazyblock-ehu-card-ZJKwwF wp-block-lazyblock-ehu-card\">        <div class=\"related__panel\">\n                        <a href=\"https:\/\/www.edgehill.ac.uk\/departments\/support\/studentservices\/moneyadvice\/money-issues\/\" class=\"related__panel\">\n                                                <figure class=\"related__image-wrap\">\n                        <img decoding=\"async\" data-src=\"https:\/\/www.edgehill.ac.uk\/wp-content\/uploads\/2022\/03\/finance.jpg\" alt=\"\"  src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 1920px; --smush-placeholder-aspect-ratio: 1920\/1080;\">\n                    <\/figure>\n                \n                <div class=\"related__content\">\n                                        <p class=\"related__tag\"><\/p>\n                                                            <span class=\"related__title\">Money worries and household bills <span class=\"fa fa-arrow-right\"><\/span><\/span>\n\t                                                        <div class=\"card-subtext\">\n                        <p class=\"ehu-card-subtext\"><p>If you are worrying about money, there are lots of ways that you can find help and support. On this page, we list some common areas that may cause money worries and where you can seek help.<\/p><\/p>\n                    <\/div>\n\t                                <\/div>\n\n                                                        <\/a>\n                    <\/div>\n        <\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"lazyblock-ehu-card-Z21GlBy wp-block-lazyblock-ehu-card\">        <div class=\"related__panel\">\n                        <a href=\"https:\/\/www.edgehill.ac.uk\/departments\/support\/studentservices\/moneyadvice\/student-support-fund\/\" class=\"related__panel\">\n                                                <figure class=\"related__image-wrap\">\n                        <img decoding=\"async\" data-src=\"https:\/\/www.edgehill.ac.uk\/wp-content\/uploads\/2023\/08\/student-support-2.jpg\" alt=\"\"  src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 1920px; --smush-placeholder-aspect-ratio: 1920\/1080;\">\n                    <\/figure>\n                \n                <div class=\"related__content\">\n                                        <p class=\"related__tag\"><\/p>\n                                                            <span class=\"related__title\">Student support fund <span class=\"fa fa-arrow-right\"><\/span><\/span>\n\t                                                        <div class=\"card-subtext\">\n                        <p class=\"ehu-card-subtext\"><p>The Student Support Fund\u202fprovides non-repayable discretionary awards and emergency support to assist students in financial difficulty, who might otherwise be at risk of leaving their courses because of financial hardship.<\/p><\/p>\n                    <\/div>\n\t                                <\/div>\n\n                                                        <\/a>\n                    <\/div>\n        <\/div><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Money Advice team offer virtual and telephone appointments, which can be booked 72 hours in advance. Appointments are for 30 minutes. If needed, a follow-up appointment will be arranged.<\/p>\n","protected":false},"author":50,"featured_media":168831,"parent":10916,"menu_order":86,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"audience":[12],"topic":[16415],"content_type":[],"class_list":["post-10915","page","type-page","status-publish","has-post-thumbnail","hentry","audience-current-students","topic-money-advice"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Banking and budgeting | Money advice | Edge Hill University<\/title>\n<meta name=\"description\" content=\"The Money Advice team at Edge Hill University are here to offer support on banking and budgeting throughout your time at University.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.edgehill.ac.uk\/departments\/support\/studentservices\/moneyadvice\/managing-your-money\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banking and budgeting | Money advice | Edge Hill University\" \/>\n<meta property=\"og:description\" content=\"The Money Advice team at Edge Hill University are here to offer support on banking and budgeting throughout your time at University.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.edgehill.ac.uk\/departments\/support\/studentservices\/moneyadvice\/managing-your-money\/\" \/>\n<meta property=\"og:site_name\" content=\"Edge Hill University\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-02T08:40:32+00:00\" \/>\n<meta property=\"og:image\" content=\"\/\/www.edgehill.ac.uk\/wp-content\/uploads\/2025\/08\/EHU735OpenDay098.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta 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