5 golden advice for a strong economy when you leave home
Student hat has long since faded and sunscreen from the journey of the Sabbath year washed off. Soon you move home, and so is the luxury life living at home with mom's dinner and father cykellapninger the past. When you leave the nest, start a new chapter in your life, which offers both exciting and difficult challenges.
Now start adult life really where you need to make you financially independent of your parents. But how do you you just do that? How do you afford both to enjoy a few beers in the bar Friday and pay insurance policy? And how do you ensure that you do not all the time will have to call home to mom and dad to ask for reimbursement for toothpaste and washing powder, because the money in a strange way has run out?
Do not worry - help is at hand. Scepter behind smart fiscal app gives you here five golden advice for a strong economy when you leave home.
1) Overview of fixed expenses
Electricity bills, rent and insurance. Until you leave home, you have not had to worry about boring, fixed expenses. It may come as a bit of a shock, what it actually costs to leave the safe nest with Mom and Dad and have to support yourself.
First afford a strong economy is to get an overview of your fixed expenses: rent, electricity, insurance, internet, mobile subscription, license, food and living costs, unemployment insurance and any leisure activities such as a fitness plan.
If you live with others, you can explore the possibility of sharing the contents policy. As a student you go typically into the category 'low income' which means that you can seek housing benefits (link: https://www.borger.dk/bolig-og-flytning/Boligstoette-oversigt ). This means that you get some help with the rent by the public. Compare also where you find the cheapest gym, and consider whether you need wifi connection at home, or you can just Internet on your uddannelsesinstutition and supplement with internet sharing from your mobile when you are at home.
As for food and miscellaneous living expenses can be a good idea to use the scepter (link) to put a consumption targets on groceries, so you are not already in the middle of the month spent all the money on study books, parties and café tours. Put consumption target for what your budget allows.
2) The air from the bank account of a student
On most higher education go less in school than in high school. Going to college, you typically between 6 and 12 hours of weekly lessons, and you will therefore have several weekly 'days off', which you of course should use our time to read or prepare for teaching.
The advantage of having several weekly days off is that you have the ability to prioritize and plan your time and you will probably well could squeeze into a part time job while studying.
With a student earns you mean a few extra thousand crowns each month. It gives you a little room in the budget, so you can afford more social events, café trips with friends or to go home and see your parents now and then. At the same time strengthens a student also your resume, then you are even more attractive to a future employer. Many student jobs are flexible, and you will often be able to plan your working hours so that they come to be associated with the study.
3) Save up during the summer holidays
Would you like to be able to put some of the special expenses in the budget? It could be a journey, a new computer or maybe just for this year's Christmas gifts. When you leave home and are on the SU, it can be difficult to get the economy to make ends meet, if you also need to save. There is no one who says you during your higher education should save for wild items like house and car. You can therefore safely live for the money you each month available. Of course it is always an advantage to have a 'buffer' that you can take advantage of in the event of contingencies such as a punctured bicycle tire or a dentist bill.
An added bonus of working while studying is that you earn holiday pay during the year, which also benefit you when the summer holidays start. The money can replace the hammock and bikini when you need to get away from lectures and heavy theories on your education.
4) Take advantage of the discounts study
Remember to use that you are on SU, because there are really a lot of money to save on everything from train tickets, haircuts, and museums for café visits, study books and cinema. HIV always your student up before you pull Dankort up the pocket. There is a good chance that you can get a student discount, no matter what it is you are buying.
5) Hold on to the good money habits with scepter
Would you like to be the boss of your finances and stick with the good money habits? Try scepter that for free gives you a detailed overview of consumption and a lot of other great features: consumption targets, categorization of items, fun facts about your money activities and much more. Economic consciousness makes it far easier for you to get through the study without overdrafts and student loans.