{"id":70026,"date":"2023-10-03T11:07:42","date_gmt":"2023-10-03T11:07:42","guid":{"rendered":"https:\/\/montelagocelticfestival.com\/?p=70026"},"modified":"2023-10-03T11:07:42","modified_gmt":"2023-10-03T11:07:42","slug":"student-who-saves-1800-a-year-with-pay-packet-hack-shares-money-saving-tips","status":"publish","type":"post","link":"https:\/\/montelagocelticfestival.com\/celebrity\/student-who-saves-1800-a-year-with-pay-packet-hack-shares-money-saving-tips\/","title":{"rendered":"Student who saves \u00a31,800 a year with pay packet hack shares money-saving tips"},"content":{"rendered":"
  • Bookmark<\/span><\/path><\/path><\/svg><\/path><\/svg><\/path><\/svg><\/span><\/span><\/li>\n

    <\/p>\n

    Join the Secret Elves for exclusive news on the year’s best gifts<\/p>\n

    Thank you for subscribing!<\/h2>\n

    Join the Secret Elves for exclusive news on the year’s best gifts<\/p>\n

    We have more newsletters<\/p>\n

    Are you a student looking to save money? <\/p>\n

    One savvy third year university student revealed how she saves an eye-watering \u00a31,800 a year. Emma Cutler adopted some cost saving measures to prepare herself for the future.<\/p>\n

    The 21-year-old gets three student loan payments a year and separates the money into pay packets when it drops into her bank account. She's studying Media and Communications at Loughborough University.<\/p>\n

    READ MORE: Millions of Brit workers set for pay rise as National Living Wage to increase<\/b><\/p>\n

    You can read more lifestyle stories from Daily Star here. <\/b><\/p>\n

    She has a packet for bills and rent, then splits the rest between food shopping, nights out, self-care and miscellaneous spending money. Emma uses online saving pots and cash to stop herself from overspending. <\/p>\n

    <\/p>\n

    As well as dividing up her money, Emma batch cooks all her meals and completes online surveys to top up her income. She claimed she's probably saving a good \u00a3150 a month.<\/p>\n

    Emma, who does content creation for the university's social pages, said: "My rent and bills are \u00a3550pcm and then I put aside \u00a3120 for food shopping, \u00a330-\u00a350 for going out, \u00a330 in my miscellaneous spending money pot and \u00a350-\u00a380 in self-care.<\/p>\n

    "It stops unnecessary spending and it makes you think twice before you buy something. I've definitely gotten better at it over the span of three years.<\/p>\n

    "In first year it was more about making sure I could afford rent but now I'm thinking about the future and longer term plans. I've developed my own way of budgeting and knowing how to save for things coming.<\/p>\n

    "I always look at what in my income is going to be for the month from the loan and my work as well. It can be difficult as you get it in three instalments so I work out what the average will be for each month.<\/p>\n

    "University throws you in at the deep end and you have to start paying for things. At that age, a student loan is a big sum of money for the first time."<\/p>\n

    <\/p>\n