Finances are stresses

Finances, we all hate them but we also know how important they are. How many of you out there don’t want to look at your account statement because you’re just too scared to know? I’m willing to wager about 99 per cent of you are nodding right now.

I’m nodding as well. Money matters stress me out, more than it should. My bottom draw is filled with receipts that I don’t even want to think about. Stored there for another day. Getting that account statement in the mail makes me want to cry.

But what is it about money that stresses uni students out so much?

Obviously majority of the time it is because university is so crazily expensive. Looking at my student account and how much I owe the government is not the best experience I’ve ever had. But those funds are necessary for where we want to go in life. It’s all the other spending that’s the biggest problem.

Clothes here, eat out there. Things that we somehow convince ourselves we definitely need – but the last time I checked, I’ve already got a whole wardrobe of clothes and most of which I don’t even wear!

My names Morgan and I’m a shopaholic.

I know now that taking advice from a self-proclaimed shopaholic is pretty ironic, however I guess I do have the experience. So listen up, and hopefully I say something that resonates with you or could help.

Here are my trusty tips (that I am even starting to use)

  1. Make a finance spreadsheet

I know – borrrring! But it actually works. I’ve got my expenses all on one easily accessible Exel spreadsheet. So I can see how much I’m spending and discover what is not necessary to buy.

  1. Prioritise

Decide on a monthy or weekly basis how much you want to spend in general, then categorise them into a social budget, food, bills etc. That way, you know how much you’re allowed to spend and being strict with yourself is actually a good thing. You’ll feel guilty if you do overspend!

  1. Leave the card at home

When you go to the shopping centre, try to have a clear idea of exactly what you want, price it and get out that physical money so you know how much your are actually spending. So you can forget about carrying that plastic card around, leave your card at home. Less temptation!

    4. Budgeting app

But if all fails, there’s probably an app for budgeting you can rely on.

Morgan

 

 

If I’d Known Then…

Have you ever wished you could look into the future and reflect how far you’ve come since your first days on campus?

Have you ever wished you could talk to your former first year self and rearrange the past decisions you made?

The purpose of the First Year La Trobe blog has always been to offer words of advice, support and encouragement. As a third year I brought the voice of experience. As an international student Thea brought the insights of exchange. And our wonderful first year bloggers have walked the same steps as you, sharing with you their stories so that you may see you are not alone in the transition to university. I am so proud of all of our bloggers for giving up their time over the past 13 weeks to share their lives with you. I hope you’ve been able to relate to their feelings and experiences.

For my final wrap, I have looked back over the past four years of uni life and made a list of my top 10 lessons learned. It’s a note to myself in a way, to let go of the past and move on forward into the future with no regrets. More than anything else I have written this semester, I hope you can take these lessons on board and steer your path in a direction you feel 100% in control of, regardless of circumstance. Continue reading

Those Other 6 Months of Uni

INTERNSHIPS! VOLUNTEERING! TRAVEL!8708348-white-passenger-plane-is-landing-away-in-the-blue-sky

The downhill stretch of semester is upon us and you are probably caught up in a mass of assessments and a backlog of readings to do before your exams. Hard to think past week 13 right now isn’t it? Unless 8 weeks off is your motivation!

With roughly 8 weeks off in winter (even if 4 of those weeks need to go to exams and finishing assessments), and then November through February free in summer, there is up to half a year to fill – for the next three years. 18 months of endless opportunities.

Some of you will be lucky and not have any exams, or maybe just one, some of you maybe unlucky and have four. The ideal situation is none or only early exams in order to free you up with more downtime.

It’s high time I take you through some of the options you have for filling those 6 months of uni, so that you can make a plan and graduate in your 3, 4 or 5 years with volunteering and global experience and practical skills to match. Continue reading

Why You Should Love La Trobe

Can I just say – it’s week 8!  That means you have made it through 2 whole months of university and the end of semester is now firmly in sight with just 5 weeks to go.  You’re over the hardest slog now, it’s all downhill from here! May not feel like it mind you. :s down hill

This week we celebrate procrastination with a moment to reflect on all the really cool things that La Trobe has. It is a place like no other.  Get out there and discover!  

Continue reading