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hi<00:00:02.070><c> I'm</c><00:00:02.580><c> Talia</c><00:00:03.060><c> I'm</c><00:00:03.510><c> a</c><00:00:03.570><c> first-year</c><00:00:04.080><c> law</c>

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hi I'm Talia I'm a first-year law
 

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hi I'm Talia I'm a first-year law
student<00:00:04.770><c> at</c><00:00:04.920><c> work</c><00:00:05.220><c> and</c><00:00:05.580><c> I'm</c><00:00:05.850><c> here</c><00:00:06.000><c> today</c><00:00:06.150><c> to</c>

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student at work and I'm here today to
 

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student at work and I'm here today to
talk<00:00:06.509><c> to</c><00:00:06.629><c> you</c><00:00:06.690><c> about</c><00:00:06.750><c> how</c><00:00:07.020><c> to</c><00:00:07.080><c> manage</c><00:00:07.319><c> your</c>

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talk to you about how to manage your
 

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talk to you about how to manage your
money<00:00:07.680><c> whilst</c><00:00:07.980><c> at</c><00:00:08.160><c> university</c><00:00:08.189><c> so</c><00:00:09.980><c> a</c><00:00:10.980><c> bit</c><00:00:11.190><c> of</c>

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money whilst at university so a bit of
 

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money whilst at university so a bit of
brief<00:00:11.490><c> background</c><00:00:11.670><c> on</c><00:00:12.000><c> myself</c><00:00:12.320><c> I'm</c><00:00:13.320><c> a</c><00:00:13.380><c> high</c>

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brief background on myself I'm a high
 

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brief background on myself I'm a high
student<00:00:14.160><c> in</c><00:00:14.309><c> England</c><00:00:14.849><c> and</c><00:00:15.179><c> I</c><00:00:15.540><c> received</c><00:00:16.049><c> the</c>

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student in England and I received the
 

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student in England and I received the
minimum<00:00:16.830><c> maintenance</c><00:00:17.430><c> loan</c><00:00:17.940><c> contribution</c><00:00:18.720><c> so</c>

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minimum maintenance loan contribution so
 

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minimum maintenance loan contribution so
that<00:00:19.619><c> meant</c><00:00:19.830><c> that</c><00:00:20.010><c> I</c><00:00:20.039><c> had</c><00:00:20.130><c> to</c><00:00:20.369><c> budget</c><00:00:20.760><c> quite</c><00:00:20.910><c> a</c>

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that meant that I had to budget quite a
 

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that meant that I had to budget quite a
bit<00:00:21.240><c> during</c><00:00:21.570><c> my</c><00:00:21.750><c> first</c><00:00:21.930><c> year</c><00:00:22.109><c> of</c><00:00:22.289><c> uni</c><00:00:22.619><c> so</c><00:00:23.609><c> my</c>

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bit during my first year of uni so my
 

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bit during my first year of uni so my
first<00:00:23.910><c> tip</c><00:00:24.210><c> is</c><00:00:24.449><c> to</c><00:00:25.109><c> work</c><00:00:25.350><c> out</c><00:00:25.500><c> your</c><00:00:25.710><c> student</c>

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first tip is to work out your student
 

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first tip is to work out your student
finance<00:00:26.369><c> and</c><00:00:26.640><c> this</c><00:00:26.789><c> is</c><00:00:26.939><c> even</c><00:00:27.090><c> before</c><00:00:27.359><c> you've</c>

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finance and this is even before you've
 

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finance and this is even before you've
accepted<00:00:27.960><c> your</c><00:00:28.140><c> offers</c><00:00:28.529><c> on</c><00:00:28.680><c> you</c><00:00:28.800><c> guess</c><00:00:29.010><c> so</c><00:00:29.449><c> I</c>

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accepted your offers on you guess so I
 

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accepted your offers on you guess so I
used<00:00:30.750><c> the</c><00:00:30.869><c> student</c><00:00:31.170><c> finance</c><00:00:31.470><c> website</c><00:00:31.619><c> and</c><00:00:32.369><c> I</c>

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used the student finance website and I
 

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used the student finance website and I
knew<00:00:33.870><c> that</c><00:00:34.110><c> I</c><00:00:34.140><c> was</c><00:00:34.350><c> going</c><00:00:34.530><c> to</c><00:00:34.590><c> be</c><00:00:34.680><c> receiving</c>

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knew that I was going to be receiving
 

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knew that I was going to be receiving
the<00:00:35.250><c> minimum</c><00:00:35.670><c> maintenance</c><00:00:35.820><c> loan</c><00:00:36.329><c> so</c><00:00:37.020><c> that</c>

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the minimum maintenance loan so that
 

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the minimum maintenance loan so that
meant<00:00:37.410><c> that</c><00:00:37.469><c> I</c><00:00:37.590><c> was</c><00:00:37.680><c> gonna</c><00:00:37.770><c> have</c><00:00:37.980><c> to</c><00:00:38.010><c> save</c><00:00:38.309><c> up</c><00:00:38.489><c> a</c>

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meant that I was gonna have to save up a
 

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meant that I was gonna have to save up a
little<00:00:38.700><c> bit</c><00:00:38.910><c> of</c><00:00:38.969><c> money</c><00:00:39.180><c> because</c><00:00:39.450><c> I</c><00:00:39.809><c> don't</c><00:00:40.350><c> want</c>

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little bit of money because I don't want
 

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little bit of money because I don't want
to<00:00:40.680><c> take</c><00:00:40.890><c> parental</c><00:00:41.730><c> contribution</c><00:00:42.480><c> from</c><00:00:42.629><c> my</c>

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to take parental contribution from my
 

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to take parental contribution from my
parents<00:00:44.120><c> so</c><00:00:45.120><c> I</c><00:00:45.149><c> sat</c><00:00:45.450><c> down</c><00:00:45.480><c> and</c><00:00:46.050><c> I</c><00:00:46.530><c> worked</c><00:00:46.829><c> out</c>

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parents so I sat down and I worked out
 

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parents so I sat down and I worked out
my<00:00:47.420><c> expenses</c><00:00:48.420><c> so</c><00:00:48.719><c> that</c><00:00:48.930><c> included</c>

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my expenses so that included
 

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my expenses so that included
accommodation<00:00:50.100><c> and</c><00:00:50.449><c> at</c><00:00:51.449><c> work</c><00:00:51.660><c> I</c><00:00:51.930><c> chose</c><00:00:52.559><c> to</c>

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accommodation and at work I chose to
 

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accommodation and at work I chose to
live<00:00:52.890><c> in</c><00:00:53.219><c> quite</c><00:00:53.670><c> affordable</c><00:00:53.940><c> accommodation</c>

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live in quite affordable accommodation
 

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live in quite affordable accommodation
I<00:00:54.780><c> stayed</c><00:00:55.050><c> in</c><00:00:55.079><c> quite</c><00:00:55.320><c> full</c><00:00:55.469><c> standard</c><00:00:55.940><c> which</c>

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I stayed in quite full standard which
 

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I stayed in quite full standard which
was<00:00:57.149><c> three</c><00:00:57.449><c> thousand</c><00:00:57.840><c> six</c><00:00:57.930><c> hundred</c><00:00:58.050><c> and</c>

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was three thousand six hundred and
 

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was three thousand six hundred and
eighty<00:00:58.530><c> pounds</c><00:00:59.070><c> but</c><00:01:00.059><c> the</c><00:01:00.149><c> price</c><00:01:00.329><c> fluctuates</c>

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eighty pounds but the price fluctuates
 

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eighty pounds but the price fluctuates
each<00:01:00.989><c> year</c><00:01:01.350><c> so</c><00:01:01.770><c> it</c><00:01:01.890><c> may</c><00:01:02.270><c> change</c><00:01:03.270><c> next</c><00:01:03.570><c> year</c><00:01:03.719><c> but</c>

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each year so it may change next year but
 

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each year so it may change next year but
I<00:01:04.799><c> thought</c><00:01:05.070><c> my</c><00:01:05.189><c> accommodation</c><00:01:05.670><c> was</c><00:01:05.729><c> great</c><00:01:06.000><c> and</c>

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I thought my accommodation was great and
 

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I thought my accommodation was great and
I<00:01:07.229><c> also</c><00:01:07.770><c> included</c><00:01:08.100><c> the</c><00:01:08.369><c> price</c><00:01:08.670><c> of</c><00:01:08.939><c> food</c><00:01:09.299><c> which</c>

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I also included the price of food which
 

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I also included the price of food which
is<00:01:09.570><c> about</c><00:01:09.900><c> eight</c><00:01:10.170><c> hundred</c><00:01:10.380><c> pounds</c><00:01:11.119><c> my</c><00:01:12.119><c> course</c>

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is about eight hundred pounds my course
 

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is about eight hundred pounds my course
materials<00:01:12.479><c> and</c><00:01:13.490><c> beauty</c><00:01:14.490><c> treatments</c><00:01:14.939><c> although</c>

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materials and beauty treatments although
 

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materials and beauty treatments although
that<00:01:15.360><c> may</c><00:01:15.509><c> not</c><00:01:15.720><c> apply</c><00:01:15.900><c> to</c><00:01:16.110><c> some</c><00:01:16.439><c> of</c><00:01:16.470><c> you</c><00:01:16.680><c> but</c>

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that may not apply to some of you but
 

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that may not apply to some of you but
for<00:01:17.009><c> me</c><00:01:17.369><c> personally</c><00:01:17.400><c> I</c><00:01:18.299><c> included</c><00:01:19.020><c> this</c><00:01:19.229><c> in</c><00:01:19.470><c> my</c>

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for me personally I included this in my
 

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for me personally I included this in my
spending<00:01:20.759><c> I</c><00:01:21.090><c> included</c><00:01:21.960><c> my</c><00:01:22.080><c> phone</c><00:01:22.470><c> contract</c>

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spending I included my phone contract
 

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spending I included my phone contract
travel<00:01:23.850><c> expenses</c><00:01:24.590><c> because</c><00:01:25.590><c> I</c><00:01:25.710><c> live</c><00:01:25.950><c> quite</c><00:01:26.130><c> far</c>

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travel expenses because I live quite far
 

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travel expenses because I live quite far
from<00:01:26.430><c> Warwick</c><00:01:26.909><c> so</c><00:01:27.270><c> train</c><00:01:27.960><c> travel</c><00:01:28.350><c> home</c><00:01:28.650><c> is</c><00:01:29.009><c> a</c>

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from Warwick so train travel home is a
 

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from Warwick so train travel home is a
little<00:01:29.759><c> bit</c><00:01:29.880><c> on</c><00:01:30.000><c> the</c><00:01:30.090><c> pricey</c><00:01:30.390><c> side</c><00:01:30.570><c> and</c><00:01:31.170><c> I</c><00:01:32.159><c> also</c>

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little bit on the pricey side and I also
 

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little bit on the pricey side and I also
bought<00:01:32.700><c> a</c><00:01:32.850><c> printer</c><00:01:33.329><c> so</c><00:01:33.990><c> I</c><00:01:34.350><c> bought</c><00:01:34.560><c> a</c><00:01:34.590><c> printer</c>

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bought a printer so I bought a printer
 

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bought a printer so I bought a printer
purely<00:01:35.369><c> for</c><00:01:35.520><c> convenience</c><00:01:36.229><c> not</c><00:01:37.229><c> for</c><00:01:37.770><c> price</c>

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purely for convenience not for price
 

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purely for convenience not for price
savings<00:01:38.820><c> for</c><00:01:38.880><c> anything</c><00:01:39.060><c> it's</c><00:01:39.509><c> purely</c><00:01:39.840><c> because</c>

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savings for anything it's purely because
 

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savings for anything it's purely because
I<00:01:40.170><c> just</c><00:01:40.409><c> wanted</c><00:01:40.560><c> to</c><00:01:40.650><c> be</c><00:01:40.740><c> able</c><00:01:40.829><c> to</c><00:01:41.009><c> print</c><00:01:41.310><c> in</c><00:01:41.430><c> my</c>

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I just wanted to be able to print in my
 

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I just wanted to be able to print in my
bedroom<00:01:41.729><c> rather</c><00:01:42.630><c> than</c><00:01:42.840><c> going</c><00:01:42.990><c> to</c><00:01:43.110><c> a</c><00:01:43.200><c> printer</c>

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bedroom rather than going to a printer
 

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bedroom rather than going to a printer
outside<00:01:44.579><c> my</c><00:01:44.729><c> accommodation</c><00:01:45.299><c> and</c><00:01:45.509><c> doing</c><00:01:45.780><c> that</c>

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outside my accommodation and doing that
 

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outside my accommodation and doing that
there<00:01:46.880><c> so</c><00:01:47.880><c> I</c><00:01:48.299><c> was</c><00:01:48.420><c> lucky</c><00:01:48.570><c> enough</c><00:01:48.689><c> to</c><00:01:48.869><c> have</c><00:01:48.960><c> a</c>

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there so I was lucky enough to have a
 

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there so I was lucky enough to have a
part-time<00:01:49.380><c> job</c><00:01:49.530><c> and</c><00:01:49.979><c> during</c><00:01:50.880><c> the</c><00:01:51.000><c> summer</c>

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part-time job and during the summer
 

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part-time job and during the summer
before<00:01:51.600><c> I</c><00:01:51.869><c> started</c><00:01:52.290><c> University</c><00:01:52.979><c> I</c><00:01:53.340><c> was</c><00:01:53.549><c> taking</c>

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before I started University I was taking
 

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before I started University I was taking
about<00:01:54.060><c> 70</c><00:01:54.540><c> to</c><00:01:54.600><c> 80</c><00:01:54.750><c> percent</c><00:01:55.170><c> of</c><00:01:55.229><c> my</c><00:01:55.290><c> wage</c><00:01:55.649><c> I'm</c>

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about 70 to 80 percent of my wage I'm
 

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about 70 to 80 percent of my wage I'm
thinking<00:01:56.700><c> that</c><00:01:56.820><c> straight</c><00:01:57.030><c> in</c><00:01:57.090><c> the</c><00:01:57.149><c> savings</c>

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thinking that straight in the savings
 

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thinking that straight in the savings
account<00:01:57.860><c> I'd</c><00:01:58.860><c> already</c><00:01:59.009><c> started</c><00:01:59.189><c> saving</c><00:01:59.759><c> for</c>

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account I'd already started saving for
 

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account I'd already started saving for
uni<00:02:00.390><c> but</c><00:02:00.630><c> I</c><00:02:00.930><c> taking</c><00:02:01.409><c> minimal</c><00:02:01.770><c> amount</c><00:02:02.040><c> and</c>

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uni but I taking minimal amount and
 

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uni but I taking minimal amount and
paying<00:02:02.579><c> that</c><00:02:02.700><c> into</c><00:02:02.909><c> my</c><00:02:03.030><c> savings</c><00:02:03.979><c> but</c><00:02:04.979><c> I</c><00:02:05.009><c> just</c>

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paying that into my savings but I just
 

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paying that into my savings but I just
think<00:02:05.490><c> it's</c><00:02:05.610><c> as</c><00:02:05.759><c> long</c><00:02:05.909><c> as</c><00:02:05.969><c> you</c><00:02:06.149><c> start</c><00:02:06.390><c> saving</c>

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think it's as long as you start saving
 

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think it's as long as you start saving
up<00:02:06.840><c> a</c><00:02:06.930><c> little</c><00:02:07.110><c> bit</c><00:02:07.350><c> a</c><00:02:07.380><c> week</c><00:02:07.619><c> it's</c><00:02:08.220><c> a</c><00:02:08.280><c> really</c>

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up a little bit a week it's a really
 

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up a little bit a week it's a really
great<00:02:08.610><c> way</c><00:02:08.729><c> of</c><00:02:09.000><c> making</c><00:02:09.330><c> sure</c><00:02:09.450><c> that</c><00:02:09.629><c> you</c><00:02:09.750><c> have</c>

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great way of making sure that you have
 

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great way of making sure that you have
got<00:02:10.170><c> a</c><00:02:10.200><c> little</c><00:02:10.349><c> bit</c>

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got a little bit
 

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got a little bit
things<00:02:11.160><c> before</c><00:02:11.489><c> you</c><00:02:11.580><c> start</c><00:02:11.849><c> University</c><00:02:13.040><c> so</c>

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things before you start University so
 

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things before you start University so
after<00:02:14.340><c> I'd</c><00:02:14.400><c> worked</c><00:02:14.610><c> out</c><00:02:14.790><c> my</c><00:02:15.030><c> income</c><00:02:15.629><c> and</c><00:02:15.840><c> my</c>

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after I'd worked out my income and my
 

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after I'd worked out my income and my
outgoings<00:02:16.680><c> I</c><00:02:16.980><c> was</c><00:02:17.670><c> able</c><00:02:17.910><c> to</c><00:02:17.940><c> calculate</c><00:02:18.120><c> that</c>

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outgoings I was able to calculate that
 

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outgoings I was able to calculate that
I'd<00:02:18.720><c> have</c><00:02:18.870><c> about</c><00:02:19.019><c> thirty</c><00:02:19.349><c> pounds</c><00:02:19.680><c> a</c><00:02:19.739><c> week</c><00:02:19.950><c> in</c>

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I'd have about thirty pounds a week in
 

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I'd have about thirty pounds a week in
spending<00:02:20.970><c> money</c><00:02:21.150><c> so</c><00:02:21.480><c> that</c><00:02:21.629><c> would</c><00:02:21.720><c> be</c><00:02:21.780><c> things</c>

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spending money so that would be things
 

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spending money so that would be things
to<00:02:22.140><c> like</c><00:02:22.290><c> going</c><00:02:22.590><c> out</c><00:02:22.739><c> and</c><00:02:23.069><c> socializing</c><00:02:23.959><c> um</c><00:02:25.019><c> and</c>

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to like going out and socializing um and
 

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to like going out and socializing um and
then<00:02:25.560><c> I</c><00:02:26.090><c> basically</c><00:02:27.319><c> recommend</c><00:02:28.319><c> I'm</c><00:02:28.620><c> setting</c>

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then I basically recommend I'm setting
 

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then I basically recommend I'm setting
out<00:02:29.610><c> a</c><00:02:29.790><c> weekly</c><00:02:30.150><c> or</c><00:02:30.269><c> a</c><00:02:30.360><c> monthly</c><00:02:30.420><c> spreadsheet</c><00:02:31.230><c> so</c>

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out a weekly or a monthly spreadsheet so
 

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out a weekly or a monthly spreadsheet so
you<00:02:32.040><c> go</c><00:02:32.190><c> in</c><00:02:32.370><c> and</c><00:02:32.519><c> you</c><00:02:32.670><c> put</c><00:02:32.880><c> your</c><00:02:33.030><c> income</c><00:02:33.480><c> and</c>

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you go in and you put your income and
 

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you go in and you put your income and
your<00:02:34.080><c> outgoings</c>

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your outgoings
 

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your outgoings
and<00:02:35.190><c> so</c><00:02:36.030><c> your</c><00:02:36.180><c> outgoings</c><00:02:36.690><c> would</c><00:02:36.840><c> include</c>

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and so your outgoings would include
 

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and so your outgoings would include
things<00:02:37.739><c> like</c><00:02:37.980><c> your</c><00:02:38.190><c> personal</c><00:02:38.730><c> expenses</c><00:02:39.269><c> and</c>

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things like your personal expenses and
 

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things like your personal expenses and
your<00:02:40.709><c> essential</c><00:02:41.040><c> expenses</c><00:02:41.459><c> so</c><00:02:41.910><c> things</c><00:02:42.150><c> like</c>

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your essential expenses so things like
 

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your essential expenses so things like
rent<00:02:42.690><c> and</c><00:02:42.840><c> bells</c><00:02:43.230><c> but</c><00:02:43.680><c> bills</c><00:02:43.860><c> rep</c><00:02:44.069><c> you</c><00:02:44.160><c> see</c>

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rent and bells but bills rep you see
 

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rent and bells but bills rep you see
included<00:02:44.819><c> at</c><00:02:44.910><c> work</c><00:02:45.530><c> and</c><00:02:46.530><c> that</c><00:02:46.680><c> was</c><00:02:46.769><c> this</c><00:02:46.860><c> a</c>

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included at work and that was this a
 

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included at work and that was this a
really<00:02:47.190><c> great</c><00:02:47.370><c> way</c><00:02:47.549><c> of</c><00:02:47.849><c> keeping</c><00:02:48.090><c> track</c><00:02:48.480><c> of</c><00:02:48.720><c> the</c>

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really great way of keeping track of the
 

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really great way of keeping track of the
money<00:02:49.170><c> that</c><00:02:49.290><c> was</c><00:02:49.470><c> in</c><00:02:49.650><c> my</c><00:02:49.799><c> account</c><00:02:49.920><c> where</c><00:02:50.730><c> I</c><00:02:50.760><c> was</c>

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money that was in my account where I was
 

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money that was in my account where I was
spending<00:02:51.180><c> my</c><00:02:51.269><c> money</c><00:02:51.360><c> and</c><00:02:51.900><c> if</c><00:02:52.290><c> I</c><00:02:52.410><c> needed</c><00:02:52.709><c> to</c>

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spending my money and if I needed to
 

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spending my money and if I needed to
reduce<00:02:53.040><c> the</c><00:02:53.190><c> amount</c><00:02:53.340><c> of</c><00:02:53.430><c> money</c><00:02:53.610><c> I</c><00:02:53.700><c> was</c>

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reduce the amount of money I was
 

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reduce the amount of money I was
spending<00:02:55.340><c> something</c><00:02:56.340><c> I</c><00:02:56.549><c> found</c><00:02:56.760><c> in</c><00:02:57.150><c> term</c><00:02:57.480><c> two</c>

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spending something I found in term two
 

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spending something I found in term two
which<00:02:57.930><c> I</c><00:02:58.019><c> thought</c><00:02:58.140><c> was</c><00:02:58.290><c> really</c><00:02:58.349><c> helpful</c><00:02:58.769><c> was</c><00:02:59.160><c> a</c>

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which I thought was really helpful was a
 

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which I thought was really helpful was a
budgeting<00:02:59.849><c> app</c><00:03:00.060><c> called</c><00:03:00.420><c> yolt</c>

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budgeting app called yolt
 

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budgeting app called yolt
and<00:03:01.290><c> this</c><00:03:02.040><c> is</c><00:03:02.130><c> not</c><00:03:02.280><c> in</c><00:03:02.370><c> any</c><00:03:02.519><c> way</c><00:03:02.670><c> sponsored</c><00:03:03.209><c> but</c>

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and this is not in any way sponsored but
 

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and this is not in any way sponsored but
I<00:03:04.019><c> genuinely</c><00:03:04.319><c> think</c><00:03:04.709><c> that</c><00:03:04.799><c> the</c><00:03:04.950><c> app</c><00:03:05.040><c> is</c><00:03:05.069><c> a</c>

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I genuinely think that the app is a
 

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I genuinely think that the app is a
really<00:03:05.400><c> great</c><00:03:05.579><c> way</c><00:03:05.760><c> of</c><00:03:05.840><c> budgeting</c><00:03:06.840><c> without</c>

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really great way of budgeting without
 

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really great way of budgeting without
creating<00:03:07.950><c> a</c><00:03:08.130><c> spreadsheet</c><00:03:08.720><c> so</c><00:03:09.720><c> you</c><00:03:09.780><c> can</c><00:03:10.079><c> set</c>

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creating a spreadsheet so you can set
 

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creating a spreadsheet so you can set
tags<00:03:10.829><c> on</c><00:03:11.310><c> your</c><00:03:11.640><c> expenses</c><00:03:12.239><c> and</c><00:03:12.720><c> it</c><00:03:13.019><c> will</c><00:03:13.110><c> keep</c><00:03:13.230><c> a</c>

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tags on your expenses and it will keep a
 

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tags on your expenses and it will keep a
track<00:03:13.560><c> of</c><00:03:13.829><c> how</c><00:03:14.280><c> much</c><00:03:14.400><c> you're</c><00:03:14.579><c> spending</c><00:03:14.640><c> in</c>

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track of how much you're spending in
 

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track of how much you're spending in
that<00:03:15.120><c> certain</c><00:03:15.329><c> tag</c><00:03:15.660><c> you</c><00:03:16.500><c> can</c><00:03:16.530><c> set</c><00:03:16.859><c> a</c><00:03:17.010><c> limit</c><00:03:17.280><c> on</c>

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that certain tag you can set a limit on
 

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that certain tag you can set a limit on
how<00:03:17.579><c> much</c><00:03:17.880><c> you</c><00:03:18.060><c> spend</c><00:03:18.359><c> and</c><00:03:18.600><c> it'll</c><00:03:18.810><c> set</c><00:03:18.959><c> you</c><00:03:18.989><c> a</c>

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how much you spend and it'll set you a
 

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how much you spend and it'll set you a
notification<00:03:19.709><c> to</c><00:03:20.310><c> your</c><00:03:20.430><c> phone</c><00:03:20.700><c> so</c><00:03:21.060><c> you</c><00:03:21.569><c> know</c>

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notification to your phone so you know
 

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notification to your phone so you know
that<00:03:22.410><c> you</c><00:03:22.680><c> are</c><00:03:22.709><c> going</c><00:03:23.069><c> over</c><00:03:23.459><c> your</c><00:03:23.579><c> weekly</c>

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that you are going over your weekly
 

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that you are going over your weekly
spending<00:03:23.970><c> limit</c><00:03:24.630><c> for</c><00:03:24.840><c> that</c><00:03:24.870><c> area</c><00:03:25.440><c> and</c><00:03:25.709><c> that</c>

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spending limit for that area and that
 

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spending limit for that area and that
you<00:03:26.190><c> need</c><00:03:26.370><c> to</c><00:03:26.489><c> adjust</c><00:03:26.609><c> your</c><00:03:26.850><c> spending</c><00:03:27.299><c> for</c><00:03:27.450><c> the</c>

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you need to adjust your spending for the
 

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you need to adjust your spending for the
rest<00:03:27.660><c> of</c><00:03:27.780><c> the</c><00:03:27.870><c> week</c><00:03:28.019><c> accordingly</c><00:03:28.650><c> so</c><00:03:29.310><c> I</c><00:03:29.370><c> think</c>

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rest of the week accordingly so I think
 

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rest of the week accordingly so I think
that<00:03:29.910><c> that's</c><00:03:30.030><c> a</c><00:03:30.209><c> really</c><00:03:30.450><c> great</c><00:03:30.569><c> way</c><00:03:30.840><c> of</c>

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that that's a really great way of
 

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that that's a really great way of
keeping<00:03:31.380><c> track</c><00:03:31.680><c> of</c><00:03:31.769><c> your</c><00:03:32.040><c> weekly</c><00:03:32.220><c> spending</c>

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keeping track of your weekly spending
 

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keeping track of your weekly spending
limits<00:03:33.410><c> particularly</c><00:03:34.410><c> as</c><00:03:34.470><c> it's</c><00:03:34.620><c> so</c><00:03:34.769><c> easy</c>

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limits particularly as it's so easy
 

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limits particularly as it's so easy
because<00:03:35.340><c> it</c><00:03:35.609><c> just</c><00:03:35.819><c> sends</c><00:03:36.090><c> a</c><00:03:36.150><c> notification</c><00:03:36.389><c> to</c>

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because it just sends a notification to
 

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because it just sends a notification to
your<00:03:37.019><c> phone</c><00:03:37.340><c> um</c><00:03:38.480><c> makes</c><00:03:39.480><c> you</c><00:03:39.600><c> something</c><00:03:39.900><c> I</c><00:03:40.019><c> am</c>

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your phone um makes you something I am
 

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your phone um makes you something I am
definitely<00:03:40.859><c> going</c><00:03:40.950><c> to</c><00:03:41.040><c> try</c><00:03:41.250><c> is</c><00:03:41.730><c> the</c><00:03:42.359><c> direct</c>

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definitely going to try is the direct
 

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definitely going to try is the direct
debit<00:03:42.840><c> trick</c><00:03:43.260><c> so</c><00:03:43.889><c> it's</c><00:03:44.010><c> essentially</c><00:03:44.370><c> what</c>

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debit trick so it's essentially what
 

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debit trick so it's essentially what
this<00:03:44.670><c> is</c><00:03:45.000><c> is</c><00:03:45.239><c> having</c><00:03:46.019><c> a</c><00:03:46.109><c> contingency</c><00:03:46.680><c> fund</c><00:03:46.980><c> in</c>

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this is is having a contingency fund in
 

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this is is having a contingency fund in
your<00:03:47.310><c> account</c><00:03:47.609><c> so</c><00:03:48.269><c> having</c><00:03:48.630><c> a</c><00:03:48.750><c> couple</c><00:03:48.989><c> of</c>

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your account so having a couple of
 

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your account so having a couple of
hundred<00:03:49.170><c> pounds</c><00:03:49.530><c> in</c><00:03:49.650><c> there</c>

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hundred pounds in there
 

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hundred pounds in there
and<00:03:50.130><c> then</c><00:03:50.910><c> transferring</c><00:03:51.329><c> a</c><00:03:51.690><c> weekly</c><00:03:52.049><c> spending</c>

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and then transferring a weekly spending
 

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and then transferring a weekly spending
budget<00:03:52.620><c> into</c><00:03:53.549><c> your</c><00:03:53.670><c> current</c><00:03:53.940><c> account</c><00:03:54.180><c> this</c>

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budget into your current account this
 

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budget into your current account this
means<00:03:54.780><c> that</c><00:03:55.079><c> you'd</c><00:03:55.349><c> only</c><00:03:55.500><c> have</c><00:03:55.680><c> the</c><00:03:55.799><c> money</c><00:03:55.950><c> in</c>

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means that you'd only have the money in
 

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means that you'd only have the money in
your<00:03:56.130><c> account</c><00:03:56.190><c> that</c><00:03:56.459><c> you</c><00:03:56.670><c> need</c><00:03:57.319><c> if</c><00:03:58.319><c> situation</c>

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your account that you need if situation
 

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your account that you need if situation
arises<00:03:59.400><c> of</c><00:03:59.519><c> course</c><00:03:59.730><c> where</c><00:03:59.940><c> you</c><00:04:00.060><c> need</c><00:04:00.269><c> more</c>

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arises of course where you need more
 

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arises of course where you need more
than<00:04:00.810><c> what</c><00:04:00.930><c> is</c><00:04:01.049><c> in</c><00:04:01.079><c> your</c><00:04:01.319><c> account</c><00:04:01.560><c> then</c><00:04:01.889><c> you</c>

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than what is in your account then you
 

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than what is in your account then you
can<00:04:02.130><c> totally</c><00:04:02.459><c> transfer</c><00:04:02.849><c> that</c><00:04:03.060><c> over</c><00:04:03.239><c> but</c><00:04:04.049><c> then</c>

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can totally transfer that over but then
 

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can totally transfer that over but then
you<00:04:04.380><c> realize</c><00:04:04.709><c> that</c><00:04:04.739><c> you've</c><00:04:05.010><c> got</c><00:04:05.040><c> to</c><00:04:05.280><c> replenish</c>

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you realize that you've got to replenish
 

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you realize that you've got to replenish
spending<00:04:06.480><c> money</c><00:04:06.690><c> that</c><00:04:06.930><c> you've</c><00:04:07.079><c> put</c><00:04:07.290><c> in</c><00:04:07.410><c> there</c>

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spending money that you've put in there
 

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spending money that you've put in there
I<00:04:08.299><c> also</c><00:04:09.299><c> think</c><00:04:09.540><c> something</c><00:04:09.810><c> that</c><00:04:09.930><c> I'd</c><00:04:10.049><c> really</c>

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I also think something that I'd really
 

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I also think something that I'd really
really<00:04:11.069><c> recommend</c><00:04:11.250><c> is</c><00:04:11.790><c> if</c><00:04:12.120><c> you</c><00:04:12.329><c> are</c><00:04:12.859><c> going</c><00:04:13.859><c> to</c>

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really recommend is if you are going to
 

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really recommend is if you are going to
Warwick<00:04:14.310><c> I</c><00:04:14.549><c> definitely</c><00:04:15.359><c> recommend</c><00:04:15.599><c> getting</c><00:04:15.930><c> a</c>

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Warwick I definitely recommend getting a
 

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Warwick I definitely recommend getting a
student<00:04:17.099><c> food</c><00:04:17.220><c> card</c><00:04:17.549><c> so</c><00:04:18.209><c> if</c><00:04:18.359><c> you're</c><00:04:18.479><c> living</c><00:04:18.630><c> on</c>

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student food card so if you're living on
 

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student food card so if you're living on
campus<00:04:19.049><c> your</c><00:04:19.769><c> nearest</c><00:04:20.099><c> supermarket</c><00:04:20.909><c> is</c>

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campus your nearest supermarket is
 

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campus your nearest supermarket is
Tesco's<00:04:22.289><c> and</c><00:04:22.650><c> aldea</c><00:04:23.010><c> Kanpur</c>

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Tesco's and aldea Kanpur
 

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Tesco's and aldea Kanpur
I<00:04:24.169><c> personally</c><00:04:25.169><c> shelter</c><00:04:25.590><c> test</c><00:04:25.800><c> areas</c><00:04:26.069><c> purely</c>

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I personally shelter test areas purely
 

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I personally shelter test areas purely
because<00:04:26.520><c> they</c><00:04:26.789><c> had</c><00:04:26.909><c> a</c><00:04:26.939><c> student</c><00:04:27.240><c> shopper</c><00:04:27.479><c> card</c>

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because they had a student shopper card
 

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because they had a student shopper card
and<00:04:27.990><c> that</c><00:04:28.590><c> meant</c><00:04:28.860><c> that</c><00:04:28.979><c> the</c><00:04:29.520><c> money</c><00:04:29.729><c> on</c><00:04:29.849><c> my</c><00:04:29.939><c> food</c>

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and that meant that the money on my food
 

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and that meant that the money on my food
card<00:04:30.509><c> was</c><00:04:30.810><c> completely</c><00:04:31.439><c> separate</c><00:04:31.800><c> from</c><00:04:31.830><c> my</c>

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card was completely separate from my
 

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card was completely separate from my
current<00:04:32.400><c> account</c><00:04:32.490><c> and</c><00:04:32.849><c> that</c><00:04:33.539><c> I</c><00:04:33.569><c> need</c><00:04:33.930><c> that</c>

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current account and that I need that
 

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current account and that I need that
regardless<00:04:34.889><c> of</c><00:04:35.009><c> what</c><00:04:35.250><c> was</c><00:04:35.370><c> in</c><00:04:35.520><c> my</c><00:04:35.639><c> current</c>

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regardless of what was in my current
 

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regardless of what was in my current
account<00:04:36.210><c> I</c><00:04:36.419><c> could</c><00:04:36.659><c> always</c><00:04:36.900><c> go</c><00:04:37.199><c> and</c><00:04:37.319><c> buy</c><00:04:37.439><c> my</c>

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account I could always go and buy my
 

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account I could always go and buy my
food<00:04:37.830><c> shopping</c><00:04:38.159><c> because</c><00:04:38.759><c> I'd</c><00:04:39.000><c> really</c><00:04:39.210><c> set</c><00:04:39.389><c> the</c>

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food shopping because I'd really set the
 

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food shopping because I'd really set the
money<00:04:39.629><c> aside</c><00:04:39.750><c> so</c><00:04:40.590><c> that's</c><00:04:40.770><c> a</c><00:04:40.889><c> really</c><00:04:41.159><c> great</c><00:04:41.340><c> way</c>

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money aside so that's a really great way
 

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money aside so that's a really great way
of<00:04:41.580><c> ensuring</c><00:04:42.210><c> that</c><00:04:42.389><c> regardless</c><00:04:42.840><c> of</c><00:04:43.050><c> how</c><00:04:43.199><c> much</c>

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of ensuring that regardless of how much
 

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of ensuring that regardless of how much
money<00:04:43.560><c> you</c><00:04:43.710><c> have</c><00:04:43.889><c> you</c><00:04:44.129><c> can</c><00:04:44.610><c> still</c><00:04:44.819><c> afford</c><00:04:45.060><c> your</c>

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money you have you can still afford your
 

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money you have you can still afford your
food<00:04:45.509><c> and</c><00:04:45.810><c> I</c><00:04:46.199><c> think</c><00:04:46.259><c> it</c><00:04:46.500><c> is</c><00:04:46.770><c> a</c><00:04:46.800><c> really</c><00:04:47.219><c> sensible</c>

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food and I think it is a really sensible
 

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food and I think it is a really sensible
scheme<00:04:49.229><c> to</c><00:04:49.469><c> set</c><00:04:49.770><c> up</c><00:04:50.719><c> something</c><00:04:51.719><c> I</c><00:04:51.810><c> think</c><00:04:51.870><c> is</c>

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scheme to set up something I think is
 

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scheme to set up something I think is
also<00:04:52.289><c> worth</c><00:04:52.620><c> considering</c><00:04:53.340><c> is</c><00:04:53.759><c> the</c><00:04:54.629><c> bank</c>

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also worth considering is the bank
 

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also worth considering is the bank
account<00:04:55.139><c> that</c><00:04:55.199><c> you</c><00:04:55.379><c> have</c><00:04:55.560><c> in</c><00:04:55.710><c> your</c><00:04:55.800><c> university</c>

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account that you have in your university
 

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account that you have in your university
so<00:04:57.180><c> there</c><00:04:57.389><c> are</c><00:04:57.569><c> multiple</c><00:04:58.020><c> student</c><00:04:58.620><c> bank</c>

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so there are multiple student bank
 

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so there are multiple student bank
accounts<00:04:59.129><c> that</c><00:04:59.159><c> you</c><00:04:59.430><c> can</c><00:04:59.669><c> have</c><00:04:59.939><c> with</c><00:05:00.900><c> numerous</c>

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accounts that you can have with numerous
 

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accounts that you can have with numerous
national<00:05:02.189><c> accounts</c><00:05:02.580><c> this</c><00:05:03.029><c> also</c><00:05:03.210><c> applies</c><00:05:03.539><c> to</c>

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national accounts this also applies to
 

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national accounts this also applies to
international<00:05:04.259><c> students</c><00:05:04.650><c> and</c><00:05:05.009><c> so</c><00:05:05.849><c> for</c><00:05:06.000><c> me</c>

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international students and so for me
 

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international students and so for me
personally<00:05:06.120><c> I</c><00:05:06.779><c> set</c><00:05:07.110><c> up</c><00:05:07.139><c> a</c><00:05:07.349><c> Sun</c><00:05:07.560><c> Tan</c><00:05:07.710><c> their</c>

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personally I set up a Sun Tan their
 

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personally I set up a Sun Tan their
student<00:05:08.400><c> account</c><00:05:08.699><c> purely</c><00:05:09.539><c> because</c><00:05:09.840><c> it</c><00:05:10.110><c> had</c><00:05:10.319><c> an</c>

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student account purely because it had an
 

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student account purely because it had an
interest-free<00:05:10.919><c> overdraft</c><00:05:11.580><c> of</c><00:05:12.289><c> 1500</c><00:05:13.289><c> pounds</c>

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interest-free overdraft of 1500 pounds
 

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interest-free overdraft of 1500 pounds
and<00:05:14.909><c> that</c><00:05:15.060><c> was</c><00:05:15.150><c> just</c><00:05:15.330><c> a</c><00:05:15.419><c> really</c><00:05:15.569><c> nice</c><00:05:15.779><c> buffer</c>

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and that was just a really nice buffer
 

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and that was just a really nice buffer
in<00:05:16.289><c> case</c><00:05:16.469><c> a</c><00:05:16.500><c> situation</c><00:05:17.099><c> did</c><00:05:17.279><c> happen</c><00:05:17.639><c> where</c><00:05:17.819><c> I</c>

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in case a situation did happen where I
 

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in case a situation did happen where I
needed<00:05:18.060><c> more</c><00:05:18.360><c> money</c><00:05:18.710><c> it</c><00:05:19.710><c> also</c><00:05:19.889><c> came</c><00:05:20.250><c> with</c>

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needed more money it also came with
 

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needed more money it also came with
cashback<00:05:21.389><c> on</c><00:05:21.569><c> spending</c><00:05:22.080><c> at</c><00:05:22.460><c> popular</c><00:05:23.569><c> shops</c>

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cashback on spending at popular shops
 

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cashback on spending at popular shops
and<00:05:24.960><c> cafes</c><00:05:25.500><c> and</c><00:05:25.710><c> things</c><00:05:25.919><c> so</c><00:05:26.669><c> I</c><00:05:26.699><c> knew</c><00:05:26.969><c> that</c><00:05:27.120><c> you</c>

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and cafes and things so I knew that you
 

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and cafes and things so I knew that you
can<00:05:27.360><c> get</c><00:05:27.569><c> cash</c><00:05:28.169><c> back</c><00:05:28.379><c> back</c><00:05:28.740><c> at</c><00:05:28.889><c> pret</c><00:05:29.190><c> which</c><00:05:29.490><c> is</c>

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can get cash back back at pret which is
 

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can get cash back back at pret which is
on<00:05:29.759><c> our</c><00:05:29.789><c> campus</c><00:05:30.740><c> and</c><00:05:31.740><c> it</c><00:05:31.860><c> also</c><00:05:32.009><c> came</c><00:05:32.339><c> with</c><00:05:32.370><c> a</c>

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on our campus and it also came with a
 

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on our campus and it also came with a
free<00:05:32.849><c> national</c><00:05:33.300><c> rail</c><00:05:33.509><c> card</c><00:05:33.870><c> so</c><00:05:34.469><c> that</c><00:05:34.620><c> means</c>

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free national rail card so that means
 

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free national rail card so that means
that<00:05:35.129><c> you</c><00:05:35.219><c> can</c><00:05:35.370><c> get</c><00:05:35.550><c> discount</c><00:05:36.000><c> on</c><00:05:36.210><c> your</c><00:05:36.629><c> rail</c>

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that you can get discount on your rail
 

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that you can get discount on your rail
travel<00:05:37.680><c> and</c><00:05:37.979><c> you</c><00:05:38.520><c> can</c><00:05:38.639><c> also</c><00:05:38.759><c> apply</c><00:05:38.969><c> it</c><00:05:39.060><c> to</c><00:05:39.240><c> your</c>

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travel and you can also apply it to your
 

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travel and you can also apply it to your
oyster<00:05:39.659><c> card</c><00:05:39.900><c> which</c><00:05:40.469><c> is</c><00:05:40.589><c> really</c><00:05:40.860><c> helpful</c><00:05:41.279><c> when</c>

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oyster card which is really helpful when
 

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oyster card which is really helpful when
traveling<00:05:42.180><c> through</c><00:05:42.210><c> London</c><00:05:43.009><c> for</c><00:05:44.009><c> me</c><00:05:44.129><c> I</c><00:05:44.159><c> have</c>

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traveling through London for me I have
 

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traveling through London for me I have
to<00:05:44.580><c> travel</c><00:05:44.729><c> through</c><00:05:44.909><c> London</c><00:05:45.120><c> to</c><00:05:45.360><c> get</c><00:05:45.479><c> home</c><00:05:45.690><c> so</c>

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to travel through London to get home so
 

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to travel through London to get home so
it's<00:05:46.349><c> quite</c><00:05:46.469><c> nice</c><00:05:46.620><c> to</c><00:05:46.680><c> have</c><00:05:46.889><c> a</c><00:05:46.919><c> little</c><00:05:47.129><c> bit</c>

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it's quite nice to have a little bit
 

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it's quite nice to have a little bit
discount<00:05:47.669><c> on</c><00:05:47.849><c> my</c><00:05:47.909><c> travel</c><00:05:48.270><c> which</c><00:05:48.360><c> can</c><00:05:48.569><c> be</c><00:05:48.690><c> quite</c>

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discount on my travel which can be quite
 

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discount on my travel which can be quite
expensive<00:05:50.150><c> something</c><00:05:51.150><c> also</c><00:05:51.449><c> to</c><00:05:51.629><c> consider</c><00:05:52.229><c> is</c>

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expensive something also to consider is
 

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expensive something also to consider is
being<00:05:53.009><c> a</c><00:05:53.099><c> little</c><00:05:53.370><c> bit</c><00:05:53.520><c> more</c><00:05:53.819><c> frugal</c><00:05:54.689><c> when</c>

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being a little bit more frugal when
 

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being a little bit more frugal when
you're<00:05:54.960><c> spending</c><00:05:55.409><c> and</c><00:05:55.830><c> so</c><00:05:56.490><c> with</c><00:05:56.639><c> regards</c><00:05:57.000><c> to</c>

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you're spending and so with regards to
 

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you're spending and so with regards to
food<00:05:57.330><c> shopping</c><00:05:57.629><c> I</c><00:05:58.560><c> was</c><00:05:58.919><c> able</c><00:05:59.159><c> to</c><00:05:59.639><c> reduce</c><00:05:59.939><c> my</c>

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food shopping I was able to reduce my
 

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food shopping I was able to reduce my
food<00:06:00.330><c> shopping</c><00:06:00.539><c> price</c><00:06:00.900><c> to</c><00:06:01.199><c> no</c><00:06:01.409><c> more</c><00:06:01.589><c> than</c><00:06:01.800><c> 20</c>

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food shopping price to no more than 20
 

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food shopping price to no more than 20
pounds<00:06:02.219><c> a</c><00:06:02.400><c> week</c><00:06:03.050><c> purely</c><00:06:04.050><c> by</c><00:06:04.259><c> creating</c><00:06:05.069><c> a</c><00:06:05.129><c> meal</c>

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pounds a week purely by creating a meal
 

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pounds a week purely by creating a meal
plan<00:06:05.669><c> and</c><00:06:06.229><c> from</c><00:06:07.229><c> this</c><00:06:07.529><c> only</c><00:06:07.830><c> working</c><00:06:08.339><c> out</c><00:06:08.490><c> and</c>

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plan and from this only working out and
 

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plan and from this only working out and
only<00:06:08.939><c> buying</c><00:06:09.419><c> the</c><00:06:09.750><c> things</c><00:06:10.050><c> that</c><00:06:10.409><c> I</c><00:06:10.589><c> actually</c>

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only buying the things that I actually
 

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only buying the things that I actually
needed<00:06:11.550><c> and</c><00:06:11.699><c> wanted</c><00:06:11.879><c> to</c><00:06:12.210><c> eat</c><00:06:12.389><c> so</c><00:06:13.259><c> I</c><00:06:13.620><c> buy</c><00:06:13.979><c> loose</c>

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needed and wanted to eat so I buy loose
 

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needed and wanted to eat so I buy loose
fresh<00:06:15.180><c> foods</c><00:06:15.509><c> which</c><00:06:16.020><c> meant</c><00:06:16.289><c> that</c><00:06:16.409><c> I</c><00:06:16.889><c> could</c>

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fresh foods which meant that I could
 

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fresh foods which meant that I could
then<00:06:18.469><c> reduce</c><00:06:19.469><c> my</c><00:06:19.770><c> food</c><00:06:19.979><c> wastage</c><00:06:20.430><c> and</c><00:06:20.729><c> I</c><00:06:21.210><c> only</c>

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then reduce my food wastage and I only
 

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then reduce my food wastage and I only
buy<00:06:21.659><c> exactly</c><00:06:21.900><c> what</c><00:06:22.199><c> I</c><00:06:22.229><c> needed</c><00:06:22.529><c> and</c><00:06:22.939><c> it's</c>

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buy exactly what I needed and it's
 

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buy exactly what I needed and it's
really<00:06:24.330><c> great</c><00:06:24.569><c> the</c><00:06:25.020><c> reduced</c><00:06:25.860><c> sections</c><00:06:26.189><c> and</c>

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really great the reduced sections and
 

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really great the reduced sections and
Tesco's<00:06:26.639><c> particularly</c><00:06:27.210><c> um</c><00:06:27.839><c> it's</c><00:06:28.139><c> really</c>

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Tesco's particularly um it's really
 

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Tesco's particularly um it's really
great<00:06:28.469><c> to</c><00:06:28.500><c> find</c><00:06:28.800><c> fish</c><00:06:29.129><c> and</c><00:06:29.339><c> things</c><00:06:29.460><c> that's</c>

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great to find fish and things that's
 

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great to find fish and things that's
still<00:06:29.879><c> in</c><00:06:29.969><c> date</c><00:06:30.150><c> and</c><00:06:30.389><c> then</c><00:06:30.509><c> pop</c><00:06:30.659><c> them</c><00:06:30.810><c> in</c><00:06:30.930><c> the</c>

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still in date and then pop them in the
 

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still in date and then pop them in the
freezer<00:06:31.169><c> and</c><00:06:31.620><c> then</c><00:06:31.889><c> use</c><00:06:32.159><c> that</c><00:06:32.310><c> made</c><00:06:32.490><c> meal</c><00:06:32.639><c> plan</c>

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freezer and then use that made meal plan
 

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freezer and then use that made meal plan
for<00:06:33.000><c> the</c><00:06:33.089><c> next</c><00:06:33.209><c> week</c><00:06:33.529><c> so</c><00:06:34.529><c> it's</c><00:06:34.649><c> just</c><00:06:34.709><c> a</c><00:06:34.830><c> really</c>

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for the next week so it's just a really
 

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for the next week so it's just a really
good<00:06:35.250><c> way</c><00:06:35.310><c> of</c>

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good way of
 

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good way of
so<00:06:37.130><c> keeping</c><00:06:38.130><c> the</c><00:06:38.250><c> week</c><00:06:38.460><c> plan</c><00:06:38.850><c> so</c><00:06:39.270><c> you</c><00:06:39.419><c> know</c>

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so keeping the week plan so you know
 

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so keeping the week plan so you know
what<00:06:39.900><c> you're</c><00:06:40.020><c> eating</c><00:06:40.169><c> you</c><00:06:40.560><c> know</c><00:06:40.590><c> you</c><00:06:40.889><c> know</c>

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what you're eating you know you know
 

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what you're eating you know you know
that<00:06:41.130><c> you're</c><00:06:41.370><c> eating</c><00:06:41.759><c> properly</c><00:06:42.210><c> and</c><00:06:42.449><c> your</c>

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that you're eating properly and your
 

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that you're eating properly and your
parents<00:06:43.440><c> also</c><00:06:43.590><c> know</c><00:06:43.800><c> that</c><00:06:43.919><c> you're</c><00:06:44.039><c> eating</c>

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parents also know that you're eating
 

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parents also know that you're eating
properly<00:06:44.460><c> as</c><00:06:44.729><c> well</c><00:06:44.850><c> if</c><00:06:45.030><c> you're</c><00:06:45.150><c> creating</c><00:06:45.509><c> a</c>

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properly as well if you're creating a
 

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properly as well if you're creating a
meal<00:06:45.780><c> plan</c><00:06:45.960><c> I</c><00:06:46.729><c> think</c><00:06:47.729><c> one</c><00:06:48.150><c> thing</c><00:06:48.300><c> to</c><00:06:48.360><c> consider</c>

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meal plan I think one thing to consider
 

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meal plan I think one thing to consider
that<00:06:49.020><c> a</c><00:06:49.080><c> lot</c><00:06:49.289><c> of</c><00:06:49.350><c> students</c><00:06:49.710><c> don't</c><00:06:49.889><c> think</c><00:06:50.160><c> about</c>

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that a lot of students don't think about
 

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that a lot of students don't think about
before<00:06:50.729><c> they</c><00:06:50.820><c> start</c><00:06:51.090><c> university</c><00:06:51.720><c> is</c><00:06:52.020><c> that</c>

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before they start university is that
 

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before they start university is that
what<00:06:52.710><c> you</c><00:06:52.860><c> turn</c><00:06:53.039><c> 19</c><00:06:53.550><c> generally</c><00:06:54.150><c> speaking</c>

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what you turn 19 generally speaking
 

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what you turn 19 generally speaking
you<00:06:56.280><c> then</c><00:06:56.520><c> have</c><00:06:56.699><c> to</c><00:06:56.820><c> start</c><00:06:57.030><c> to</c><00:06:57.150><c> pay</c><00:06:57.300><c> for</c><00:06:57.449><c> your</c>

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you then have to start to pay for your
 

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you then have to start to pay for your
prescriptions<00:06:58.139><c> under</c><00:06:58.289><c> the</c><00:06:58.500><c> NHS</c><00:06:59.150><c> so</c><00:07:00.150><c> you</c><00:07:00.240><c> have</c>

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prescriptions under the NHS so you have
 

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prescriptions under the NHS so you have
the<00:07:00.479><c> option</c><00:07:00.780><c> to</c><00:07:00.810><c> pay</c><00:07:01.080><c> to</c><00:07:01.590><c> apply</c><00:07:01.889><c> for</c><00:07:02.250><c> the</c><00:07:02.630><c> NHS</c>

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the option to pay to apply for the NHS
 

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the option to pay to apply for the NHS
low<00:07:03.870><c> income</c><00:07:04.320><c> scheme</c><00:07:04.680><c> under</c><00:07:04.919><c> the</c><00:07:05.520><c> hc3</c><00:07:06.300><c> form</c>

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low income scheme under the hc3 form
 

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low income scheme under the hc3 form
which<00:07:07.500><c> allows</c><00:07:07.770><c> you</c><00:07:07.979><c> to</c><00:07:08.100><c> have</c><00:07:08.280><c> three</c>

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which allows you to have three
 

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which allows you to have three
prescriptions<00:07:09.180><c> free</c><00:07:09.570><c> dental</c><00:07:09.900><c> care</c><00:07:10.050><c> and</c><00:07:10.349><c> free</c>

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prescriptions free dental care and free
 

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prescriptions free dental care and free
eye<00:07:11.130><c> care</c><00:07:11.610><c> I</c><00:07:12.139><c> applied</c><00:07:13.139><c> for</c><00:07:13.169><c> this</c><00:07:13.470><c> the</c><00:07:13.590><c> week</c>

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eye care I applied for this the week
 

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eye care I applied for this the week
before<00:07:14.009><c> I</c><00:07:14.039><c> turn</c><00:07:14.250><c> 2:19</c><00:07:14.880><c> and</c><00:07:15.120><c> it</c><00:07:15.449><c> means</c><00:07:15.660><c> know</c>

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before I turn 2:19 and it means know
 

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before I turn 2:19 and it means know
that<00:07:16.320><c> for</c><00:07:16.470><c> an</c><00:07:16.560><c> entire</c><00:07:16.830><c> year</c><00:07:16.860><c> I</c><00:07:17.370><c> don't</c><00:07:17.610><c> have</c><00:07:18.000><c> to</c>

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that for an entire year I don't have to
 

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that for an entire year I don't have to
pay<00:07:18.210><c> for</c><00:07:18.270><c> those</c><00:07:18.449><c> NHS</c><00:07:18.960><c> costs</c><00:07:19.320><c> and</c><00:07:19.560><c> you</c><00:07:19.740><c> can</c><00:07:19.889><c> just</c>

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pay for those NHS costs and you can just
 

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pay for those NHS costs and you can just
keep<00:07:20.190><c> applying</c><00:07:20.340><c> for</c><00:07:20.820><c> it</c><00:07:20.940><c> as</c><00:07:21.090><c> long</c><00:07:21.690><c> as</c><00:07:21.720><c> you</c>

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keep applying for it as long as you
 

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keep applying for it as long as you
qualify<00:07:22.080><c> under</c><00:07:22.650><c> the</c><00:07:22.889><c> scheme</c><00:07:23.360><c> one</c><00:07:24.360><c> thing</c><00:07:24.599><c> to</c>

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qualify under the scheme one thing to
 

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qualify under the scheme one thing to
think<00:07:24.870><c> about</c><00:07:24.990><c> also</c><00:07:25.320><c> is</c><00:07:25.889><c> if</c><00:07:26.039><c> you</c><00:07:26.160><c> do</c><00:07:26.400><c> have</c><00:07:26.669><c> a</c>

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think about also is if you do have a
 

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think about also is if you do have a
tight<00:07:27.690><c> budget</c><00:07:27.900><c> so</c><00:07:28.229><c> think</c><00:07:28.620><c> about</c><00:07:28.800><c> getting</c><00:07:29.009><c> a</c>

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tight budget so think about getting a
 

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tight budget so think about getting a
part-time<00:07:29.460><c> job</c><00:07:29.490><c> I</c><00:07:30.000><c> know</c><00:07:30.750><c> that's</c><00:07:30.960><c> quite</c>

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part-time job I know that's quite
 

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part-time job I know that's quite
difficult<00:07:31.440><c> to</c><00:07:31.710><c> think</c><00:07:31.919><c> about</c><00:07:32.039><c> that</c><00:07:32.610><c> you'll</c>

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difficult to think about that you'll
 

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difficult to think about that you'll
have<00:07:33.060><c> to</c><00:07:33.150><c> be</c><00:07:33.240><c> working</c><00:07:33.570><c> alongside</c><00:07:33.870><c> your</c><00:07:34.229><c> degree</c>

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have to be working alongside your degree
 

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have to be working alongside your degree
but<00:07:34.770><c> I</c><00:07:35.340><c> think</c><00:07:35.639><c> if</c><00:07:35.729><c> you</c><00:07:35.849><c> work</c><00:07:36.090><c> for</c><00:07:36.449><c> the</c>

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but I think if you work for the
 

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but I think if you work for the
University<00:07:37.199><c> like</c><00:07:37.380><c> I</c><00:07:37.620><c> do</c><00:07:37.680><c> and</c><00:07:38.130><c> for</c><00:07:38.910><c> the</c><00:07:39.060><c> work</c>

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University like I do and for the work
 

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University like I do and for the work
welcome<00:07:39.449><c> service</c><00:07:39.990><c> you're</c><00:07:40.620><c> able</c><00:07:40.949><c> to</c><00:07:41.039><c> work</c>

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welcome service you're able to work
 

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welcome service you're able to work
around<00:07:41.430><c> your</c><00:07:42.060><c> around</c><00:07:42.720><c> your</c><00:07:42.930><c> degree</c><00:07:43.199><c> and</c>

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around your around your degree and
 

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around your around your degree and
alongside<00:07:43.979><c> your</c><00:07:44.280><c> studies</c><00:07:44.580><c> meaning</c><00:07:44.970><c> that</c>

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alongside your studies meaning that
 

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alongside your studies meaning that
there<00:07:45.599><c> isn't</c><00:07:45.900><c> really</c><00:07:46.020><c> an</c><00:07:46.260><c> impact</c><00:07:46.740><c> so</c><00:07:47.070><c> for</c><00:07:47.280><c> me</c>

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there isn't really an impact so for me
 

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there isn't really an impact so for me
personally<00:07:47.580><c> I'm</c><00:07:48.419><c> able</c><00:07:49.080><c> to</c><00:07:49.169><c> work</c><00:07:49.349><c> around</c><00:07:49.530><c> my</c>

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personally I'm able to work around my
 

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personally I'm able to work around my
reading<00:07:50.250><c> and</c><00:07:50.490><c> my</c><00:07:50.550><c> writing</c><00:07:50.970><c> for</c><00:07:51.120><c> law</c><00:07:51.270><c> which</c><00:07:51.840><c> is</c>

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reading and my writing for law which is
 

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reading and my writing for law which is
really<00:07:52.289><c> great</c><00:07:52.500><c> because</c><00:07:52.770><c> it</c><00:07:53.430><c> can</c><00:07:53.669><c> be</c><00:07:53.789><c> quite</c>

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really great because it can be quite
 

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really great because it can be quite
long<00:07:54.210><c> and</c><00:07:54.479><c> quite</c><00:07:54.810><c> strenuous</c><00:07:55.849><c> so</c><00:07:56.849><c> being</c><00:07:57.120><c> able</c>

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long and quite strenuous so being able
 

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long and quite strenuous so being able
to<00:07:57.860><c> work</c><00:07:58.860><c> alongside</c><00:07:59.190><c> my</c><00:07:59.520><c> schedule</c><00:08:00.000><c> in</c><00:08:00.270><c> a</c>

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to work alongside my schedule in a
 

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to work alongside my schedule in a
flexible<00:08:01.169><c> manner</c><00:08:01.349><c> is</c><00:08:01.710><c> really</c><00:08:02.430><c> really</c><00:08:02.669><c> helpful</c>

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flexible manner is really really helpful
 

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flexible manner is really really helpful
and<00:08:03.570><c> international</c><00:08:04.320><c> students</c><00:08:04.650><c> can</c><00:08:04.770><c> also</c><00:08:05.039><c> do</c>

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and international students can also do
 

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and international students can also do
this<00:08:05.550><c> as</c><00:08:05.820><c> long</c><00:08:06.150><c> as</c><00:08:06.360><c> you</c><00:08:06.509><c> have</c><00:08:06.720><c> a</c><00:08:07.050><c> visa</c><00:08:07.289><c> and</c><00:08:08.150><c> yeah</c>

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this as long as you have a visa and yeah
 

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this as long as you have a visa and yeah
it's<00:08:09.419><c> a</c><00:08:09.479><c> great</c><00:08:09.690><c> pay</c><00:08:09.990><c> it's</c><00:08:10.380><c> a</c><00:08:10.500><c> really</c><00:08:10.800><c> nice</c>

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it's a great pay it's a really nice
 

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it's a great pay it's a really nice
chance<00:08:11.220><c> to</c><00:08:11.460><c> speak</c><00:08:11.669><c> to</c><00:08:11.870><c> prospective</c><00:08:12.870><c> students</c>

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chance to speak to prospective students
 

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chance to speak to prospective students
and<00:08:13.620><c> give</c><00:08:14.580><c> them</c><00:08:14.759><c> a</c><00:08:14.849><c> real</c><00:08:15.060><c> insight</c><00:08:15.509><c> into</c><00:08:15.539><c> your</c>

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and give them a real insight into your
 

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and give them a real insight into your
experience<00:08:16.229><c> at</c><00:08:16.620><c> work</c><00:08:17.060><c> and</c><00:08:18.060><c> I</c><00:08:18.180><c> just</c><00:08:18.360><c> think</c><00:08:18.419><c> it</c>

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experience at work and I just think it
 

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experience at work and I just think it
is<00:08:18.659><c> a</c><00:08:18.690><c> really</c><00:08:18.900><c> rewarding</c><00:08:19.440><c> job</c><00:08:19.650><c> to</c><00:08:19.770><c> have</c>

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is a really rewarding job to have
 

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is a really rewarding job to have
because<00:08:20.849><c> it</c><00:08:20.970><c> does</c><00:08:21.120><c> provide</c><00:08:21.479><c> a</c><00:08:21.539><c> little</c><00:08:21.810><c> bit</c>

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because it does provide a little bit
 

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because it does provide a little bit
more<00:08:22.080><c> of</c><00:08:22.349><c> a</c><00:08:22.409><c> buffer</c><00:08:22.740><c> for</c><00:08:22.830><c> your</c><00:08:22.949><c> spending</c>

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more of a buffer for your spending
 

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more of a buffer for your spending
limits<00:08:23.699><c> and</c><00:08:23.849><c> so</c><00:08:24.659><c> I</c><00:08:24.720><c> would</c><00:08:24.870><c> really</c><00:08:25.050><c> recommend</c>

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limits and so I would really recommend
 

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limits and so I would really recommend
looking<00:08:25.680><c> into</c><00:08:26.070><c> that</c><00:08:26.190><c> if</c><00:08:26.430><c> you</c><00:08:27.090><c> do</c><00:08:27.270><c> need</c><00:08:27.449><c> to</c>

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looking into that if you do need to
 

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looking into that if you do need to
apply<00:08:27.840><c> for</c><00:08:28.229><c> a</c><00:08:28.259><c> part-time</c><00:08:28.740><c> job</c><00:08:29.099><c> but</c><00:08:29.479><c> generally</c>

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apply for a part-time job but generally
 

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apply for a part-time job but generally
speaking<00:08:30.990><c> even</c><00:08:31.320><c> if</c><00:08:31.650><c> you</c><00:08:31.740><c> don't</c><00:08:31.949><c> need</c><00:08:32.159><c> to</c><00:08:32.430><c> you</c>

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speaking even if you don't need to you
 

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speaking even if you don't need to you
still<00:08:33.270><c> should</c><00:08:33.479><c> be</c><00:08:33.510><c> looking</c><00:08:33.930><c> at</c><00:08:34.140><c> budgeting</c><00:08:34.649><c> and</c>

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still should be looking at budgeting and
 

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still should be looking at budgeting and
tracking<00:08:35.159><c> your</c><00:08:35.190><c> spending</c><00:08:35.370><c> to</c><00:08:35.849><c> make</c><00:08:35.969><c> sure</c><00:08:36.089><c> that</c>

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tracking your spending to make sure that
 

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tracking your spending to make sure that
you<00:08:36.360><c> don't</c><00:08:36.479><c> spend</c><00:08:36.750><c> over</c><00:08:36.990><c> and</c><00:08:37.529><c> that</c><00:08:37.919><c> you</c><00:08:37.950><c> do</c>

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you don't spend over and that you do
 

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you don't spend over and that you do
have<00:08:38.370><c> enough</c><00:08:38.579><c> money</c><00:08:38.760><c> to</c><00:08:38.880><c> enjoy</c><00:08:39.149><c> yourself</c>

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have enough money to enjoy yourself
 

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have enough money to enjoy yourself
whilst<00:08:39.899><c> at</c><00:08:40.079><c> university</c><00:08:40.969><c> okay</c><00:08:41.969><c> so</c><00:08:42.360><c> there</c><00:08:42.810><c> are</c>

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whilst at university okay so there are
 

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whilst at university okay so there are
my<00:08:43.050><c> tips</c><00:08:43.289><c> for</c><00:08:43.349><c> managing</c><00:08:43.529><c> your</c><00:08:43.800><c> money</c><00:08:44.010><c> whilst</c>

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my tips for managing your money whilst
 

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my tips for managing your money whilst
at<00:08:44.520><c> university</c><00:08:45.500><c> and</c><00:08:46.500><c> I</c><00:08:46.589><c> hope</c><00:08:46.800><c> you</c><00:08:46.950><c> enjoyed</c>

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at university and I hope you enjoyed
 

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at university and I hope you enjoyed
this<00:08:47.339><c> video</c>

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you