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Make your budget realistic

3. Avoid unnecessary debt

Student overdrafts and credit cards can feel like a safety net but they come with risks. It’s best to avoid relying on credit for everyday expenses. Services like “Buy Now, Pay Later” might seem convenient, but they can quickly lead to overspending and long-term debt.

21 July 2025

3. Avoid debt

Student overdrafts and credit cards can feel like a safety net but they come with risks. It’s best to avoid relying on credit for everyday expenses. Services like “Buy Now, Pay Later” might seem convenient, but they can quickly lead to overspending and long-term debt.

If you’re struggling, speak to your university’s student support team. There are often grants, bursaries, or emergency funds available and it’s better to ask for help early than let things build up.

Being smart about debt now means fewer financial headaches later.

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