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Complete Breakdown of My 6 Income Sources
One of the first lessons I learnt when I started on my financial literacy journey, was that having only one source of income is not a good idea. The more sources you have, the more protected you are, the pressure of having only one source is lifted because you have others to fall back on. Currently, I am at the point where I have built up six different sources of income. Only two of them are passive at this point, but I am hoping in the future to have the majority of my sources be completely passive. #1 Student Loan This gets paid in three instalments throughout the year, but…
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Top 6 Survey Sites – Make Money Online
Surveys are the easiest way to make a little extra money each month online. They are simple, convenient and require no commitment. Every month I make around £50 from completing surveys for around 2 hours a week. Obviously the more time you can commit, the more you can potentially make. I have tried A LOT of different sites and these are my favourite six… #6 Branded Surveys This site is one of the worse ones for time to payment ratio BUT some of the most lucrative studies I have participated in have come from this. We’re talking getting paid £30 to send a wee sample to Canada, £50 to watch…
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7 Easy Ways For Students To Begin Investing
Investing doesn’t have to be the minefield that it is often portrayed as. In this post I will break down the 7 easiest ways to start investing as a student. And yes it is never too early to start investing. Actually the younger you are when you start, the better because of the magic of compound interesting. Compound interest has been called the ninth wonder of the world because it is so powerful. The younger you begin investing the better because this means more years to harness the power of compound interest. Why is compound interest so important? Example: Q invests £250 a month for 30 years. At an average…
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9 Easy Ways To Save Money On Travel
Travelling doesn’t need to cost an arm and a leg, it can be accessible for most budgets. There are some ways to travel hack, save money and stick to a budget when travelling. Using these can help get out of the common mindset of travel being too expensive. Here are 9 easy ways… #1 Housesit Housesitting is where you stay in someones house for free in exchange for looking after the place and sometimes their pets and plants as well. This is a great way to get free accommodation that is also private. The best thing about housesitting is that it makes otherwise too expensive cities, such as New York,…
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Advice for Freshers
Moving to University, for most people, will be the biggest move they have ever made! It certainly was for me. I am currently coming to the end of my second year at uni, and feel that I have some valuable pieces of advice for incoming freshers. Whilst I have called this post Advice for Freshers, most of these points are relevant to anyone at university. So without further ado here are nine pieces of advice… Join a Society The majority of universities hold a Freshers Fair in your first week, where they expose you to all of the societies they have on offer. This is a great opportunity to speak…
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A Simple Guide to UK ISA’s
ISA’s are the best place to keep your savings and a great starting point for investing in the UK. ISA stands for Individual Savings Account. They act like tax bubbles for your money, meaning that any interest gained is completely tax free. Every UK resident over the age of 18 can save up to £20,000 each tax year into one or more types of ISA’s. Tax years run from the 6th April to the following 5th April. The only exception to this rule is Lifetime ISA’s, where you can only contribute £4,000 out of your allowance each tax year. Example: You save £10,000 in a year, £4,000 into a Lifetime…
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Top 8 Books I Read in 2020
Reading is known to reduce stress, improve your vocabulary and memory as well as provide mental stimulation, so it is a great way to spend your downtime. [Disclosure: Please keep in mind that some of the links in this post are affiliate links and if you go through them to make a purchase I will earn a commission. I link to these companies and their products because of their quality and not because of the commission I receive from your purchases. The decision is yours.] I absolutely love reading! I find it the perfect way to relax, unwind and escape from reality for a little while. Each year I set…
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How Much I Spend – Student Spending Diaries #1
The one thing I wanted to know before going to university, was how much I would need for spending each week. This number was hard to find online, so I wanted to create something that I would have gained value from. From this thought, this series was born; Student Spending Diaries. Each entry will go through a week’s worth of spending, starting with this week – where I threw a mini party, got an allergic reaction and watched hours of Grey’s Anatomy. Monday Monday was a pretty routine uni day, meaning I spent the majority of the day doing research reading for my dissertation. I finally left the flat at…
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University Packing Guide – What you actually need!
Deciding what to take to university is often the hardest part of the move. This post, the ultimate university packing guide will be your lifeline! As someone who has lived in halls for the past two years, I know first hand exactly what you need and what you can leave at home. This list is broken down into different categories to make it easier to follow and pack. Get your free packing checklist – here! IMPORTANT: -> passport/driving license – you may need this for student registration, and you will definitely need this to buy alcohol 🙂 -> recent passport style photo – you may need one of these for…
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5 Ways To Motivate Yourself To Study
Studying online is hard and exhausting and if your anything like me, motivating yourself to study online is much harder than when you have in-person classes to go to. I would never have skipped an in person class but I find it easy to skip an online class. There is less obligation because it feels so withdrawn and separate when online. Hence throughout this past year, I have been trying different ways to motivate myself to be productive. Some worked and some really didn’t fit with me. Finding a method that works is very personal – what works for one person may not work for you. The best thing to…
