Personal Finance
| Use attributes for filter ! | |
| Google books | books.google.com |
|---|---|
| Originally published | February 3, 2012 |
| Authors | Kristy Walker |
| Robert B Walker | |
| Date of Reg. | |
| Date of Upd. | |
| ID | 2027432 |
About Personal Finance
Personal Finance, 2e by Walker/Walker offers students an engaging treatment of personal finance, while incorporating unique themes, an application-driven pedagogy, and a definitive action plan. . . .
Interest rates: Why there is more pain still to come
... While mortgage rates might be on the way down again, analysts say savings rates may also have peaked - including at Treasury-owned National Savings and Investments (NS& I)," Savers should brace themselves for rate cuts on NS& I accounts and for the Premium Bond prize fund to fall, as the government-backed provider has already exceeded its fundraising target for the tax year, " says Laura Suter, head of Personal Finance at investment platform AJ Bell...
The hidden tax rise in the Autumn Statement
... Sarah Coles, head of Personal Finance at Hargreaves Lansdown, said that while the 2% cut in NI " isn t to be sniffed at" by keeping NI and income tax bands frozen, " the Treasury has done nothing to protect us from the misery of fiscal drag, and means the lion s share of the damage done to our finances from these tax hikes will still continue to be felt years down the line"...
Minister's £11,000 iPad bill is legitimate expense - Humza Yousaf
... It has always been more expensive the moment you leave Europe, with some providers charging £7 a megabyte for data and nearly £4 a minute to make or receive a phone call, according to Personal Finance site...
Big banks accused of doing little for savers
... Alice Haine, Personal Finance analyst at investment platform Bestinvest, said: " The era of cheap money is well and truly over, so households should prioritise clearing expensive unsecured debt and building up a rainy day pot to withstand any unexpected expenses...
House price falls expected into new year, Halifax says
... Alice Haine, Personal Finance analyst from investment platform Bestinvest, said: " The housing market is expected to remain subdued into the next year as the drag effect from the Bank of England s 14 interest rate hikes delivers a heavy blow to affordability levels...
Freshers' week: Tips for surviving uni first year
... " Final-year student Pria, 21, agrees Personal Finance is an important aspect of uni life...
Premium Bonds: Chances rise of winning leading prizes
... " It was inevitable that NS& I would increase rates as rising competition in the savings market means it has fallen out of favour with savers who would prefer guaranteed rates elsewhere, " said Laura Suter, head of Personal Finance at investment platform AJ Bell...
New rules aim to end rip-off finance fees
... Eric Leenders, managing director of Personal Finance at UK Finance, the trade body for the banking sector, said he believed the changes would be more " evolution, not revolution" and that " most customers will probably not feel too much of a difference"...
Freshers' week: Tips for surviving uni first year
By Harpal BobbyBBC Asian Network
They say it's one of The Best times of your life.
But trying to juggle Making Friends , budgeting, work, and taking care of your Mental Health can feel like quite a lot.
" I'm really excited for this adventure, but I'm not going to lie, the idea of trying to make new friends is quite daunting, " says first-year student Kirthigan.
The 19-year-old who's about to start university, adds: " I've gotten a lot of advice from TikTok, and apparently The Most important thing is getting an air fryer. "
Hmm.
BBC Asian Network thought Karthigan might benefit from some face-to-face advice, so we invited three current students to give him their top tips for surviving first year.
Handling freshers' weekFor most students, The First days at uni will be their First Time living away from home.
It's full-on and likely to include a lot of socialising and Nights Out - which can have some side-effects.
" First Years need to be aware of freshers' flu, " advises Kirthana, who's Kirthigan's Big Sister .
" Everyone gets ill the First Time . "
Kirthana, 21, is starting Her Third year at university and recommends new students join as many societies as they can.
She says it's helped her to make friends and boost her confidence.
" I'm part of Tamil society, and I'll be The President for this academic year, " she says.
" A Society is like having that sort of home away from home sort of thing, where you can build that community together and host events where you can celebrate your culture. "
Pace yourselfDalveen, 22, who has just finished university, also believes joining societies and big Nights Out can be key to a successful freshers' week.
However, she advised Kirthigan to drink responsibly and " don't go too hard at pre-drinks".
" One thing I regret is that I never made it past pre-drinks. I feel like I just missed Out on a lot of club nights. "
Socialising doesn't come cheap, but Dalveen tells Kirthigan she came to uni with a budget plan for freshers' week - going As Far as making an Excel document.
" In my first year, I was literally rolling in money because I got the maximum student loan, " she says.
" It was like The Most money I've ever seen in my bank. "
Dalveen doesn't recommend spending your whole loan in a week, but says freshers' week can be expensive.
" I would say maybe even double your budget there because you'll want to be Making Friends and going Out a lot more, " she says.
Tupper warsDrinking is one thing, but feeding yourself is another thing that can stretch your cash with the cost of living so high.
That's why Kirthana believes the Number One uni essential is Tupperware.
" First Years should go and invest in some good Tupperware that's going to last, " she says.
" Because you don't want to be buying lunch on campus every single day. "
Final-year student Pria, 21, agrees Personal Finance is an important aspect of uni life.
" You have to worry about socialising, grocery shopping and transport, " she says.
Pria, president of the University of London's Bangla society, told Kirthigan she regretted not saving in her first year.
" I could have saved a lot more money if I decided to take a packed lunch, " she says.
" But in The Morning if I have nine O'Clock lectures, I don't feel like making myself lunch.
" Don't be Like Me and have lunch on campus every single day. "
Uni work-life balanceKirthigan admits that he didn't take sixth form super-seriously.
" I get distracted really easily, even just like scrolling through TikTok or something" he says.
" I don't think that's going to Work Out great in university. I think I need to put time aside and actually focus. "
Pria finds setting yourself a timer help.
" So, for example, you work for The Next half an hour with no distractions, " she says.
However, Pria still struggles to balance her university work with her social life.
" I'm actually someone who struggles with time management because I'll find myself prioritising my society at times.
" I also spend roughly four hours A Day commuting, which could've been time to work. "
Similar to Pria, Kirthana sometimes finds it hard to make time for self-care at university, but makes an effort to.
" What I usually do is see how busy I Am with work And Then see if I can schedule Time In The Gym , if I can schedule in meeting My Friends , and I will try to make plans ahead of time. "
It's good to talkFor many students, university can be a difficult time, especially for those living away from friends and family.
" I didn't realise how lonely it can get at university, " says Kirthana.
" As much as you have friends around, everyone has different schedules, and it can be quite easy to kind of isolate yourself. "
Dalveen also had a similar experience in first year.
" I come from a big Indian family, and I've got three siblings and a dog, and you don't realise how much atmosphere they add to The House .
" So going from that to silence in your room can be a lot. "
" So my advice would be to plan your day and make sure that you are giving time to socialise or meeting people and be honest about your feelings to Your Friends . "
.
Related TopicsSource of news: bbc.com