As a student in debt

Here in this article, a student will quickly recognize himself, in terms of how a student handles money and where exactly you spend it, the student will also realize that he or she does not need all of these products, and that he or she has a can keep a ‘cash book’ in which everything in terms of coming in and out is recorded.

Your own fault

New clothes, a night out, your mobile subscription, a gift for your sister and on holiday. Everything costs money, it flies out of your pocket. But can you afford it all? Do you only spend money that you have earned? Or do you also use loans, installments, credit cards and overdrafts? It is wise to regularly compare your expenses and your income. To prevent you from ending up deeply in debt and there being no way back.

Your own experience

As a student, you have probably experienced that you run out of money and that you then have to borrow money. You also know that sometimes you cannot pay it back. So be wise and think a few times before borrowing money. By borrowing people incur debt. Borrowing is a big risk, most young people already make mistakes, even though you consciously know it. If you think about it yourself, it will sometimes ring a bell.

‘Hole’ in your hand

Yesterday I had a fifty euro note. Where did it go? Do you know that? Money that just seems to disappear. If you start thinking about it, all kinds of small expenses arise: you ate fries with your friends, bought a prepaid card, a magazine, a scratch card, petrol for your scooter. Each edition by itself doesn’t mean much. But if you add everything up, you quickly arrive at fifty euros. If you don’t keep track of what you spend money on and how much money you spend, you can get into trouble. Paying with your debit card is easier than spending cash. You see cash. At least it’s in your wallet, if you don’t spend it too quickly… It’s gone. But when you pay with your debit card, you don’t see how much money you have left. You will only see the debit later, by post or via online banking. And then your balance can suddenly drop significantly. If you have a credit card, you can pay even though you haven’t even earned the money yet! In short, enough options to completely lose track of your budget. These can all be causes for a hole in your hand: you don’t know where your money is.

Advertisement

Companies don’t worry about whether you can afford what they sell. They advertise with the aim of getting people to purchase as many of their products as possible. Advertising wants you to believe that you really cannot do without the products. That you don’t belong if you buy the wrong brand. Not a sweater from Hema but one from G-star. Not just an MP3 player but an I-Phone. And your friends often participate in this. You buy more than you want. And you buy for higher amounts than you actually want. Shops and companies do not keep track of how much you spend for you. You will have to do that yourself.

Impulse purchases

When you shop, you often make impulse purchases. Purchases that you did not plan to make, but still make spontaneously. A retro bag or a nice shirt because it looks so nice. Things that are at the cash register to take with you. Fragrances, bracelets, nice hats. But once you leave the store it can be disappointing. At home, among your own things, things look a lot less nice. And actually you already had one… Or maybe you are very happy with it. But you can’t pay your phone bill again because of the expenses. The telephone company is increasingly insisting on paying the bill. Your phone will soon be disconnected. Of course it can all turn out that way. Perhaps you earn more than enough and can easily pay all your expenses. Impulse purchases also easily fit within your budget. But of course you only know that if you have insight into your budget. Only when you have a good overview of your income and expenses will you know whether you can afford impulse purchases.

Washing nuts and clothes?

You use the shells of the soap nuts. Place 6-8 half shells in a bag (or tied sock). This allows you to wash three times at 30-40 degrees, twice at 60 degrees and once at 90 degrees. It is not recommended to wash your white laundry with it.

  • 100% vegetable detergent, for soft and clean washing with a neutral scent.
  • Environmentally friendly washing: no more chemicals.
  • Detergent with a clear origin and about 50% cheaper than regular detergent.
  • The nut remains can be placed on the compost heap or in the bio bin/on garden soil.
  • 1kg. washing nut shells is sufficient to wash two to three times a week for a year.

Deep fryer off

As soon as the fryer temperature reaches the desired temperature, the snacks go in and I turn off the fryer. The oil remains hot long enough. The snacks from the supermarket are ten times cheaper than those from the snack bar.

Do not preheat the oven

Many packages state that you must preheat the oven to a certain number of degrees. This has been done to provide the most accurate possible preparation time on the product packaging, because every oven has a different heating time.

Scratch first

During the cold season and with the first frost on the car windows, you see and hear the stench of unburned gasoline again. Many people with a car that runs on petrol (it’s a little different for diesel engines) don’t realize that when they scrape their windows clean with their engine, they are already stealing their wallet, the environment and their health. What is happening? The engine does not heat up in this way (a cold engine causes extra wear and tear for the engine), the fuels are not burned, so they are extra toxic to the environment and pose a direct danger to scratching people and their immediate environment. It is best to drive away immediately, because then the engine will warm up the fastest.

Computers and other electronics

Computers, printers, etc. are often connected to one extension cord. If you purchase an extension cord with a red button, this is cheaper. If you turn off the computer after use, also turn off the red button near the extension cord. There is no longer any power to this, even the extension cord does not draw any power when the red button is off. (This really saves a lot of money!) Also with televisions, don’t forget to take it off standby, and don’t forget to turn off the washing machine after use, there is usually a string near the washing machine, just like a lamp that you turn on. If you pull it, the washing machine will be disconnected from the power and during thunderstorms this can also be wise!