Combine your New Year's resolutions for 2019 with your money saving goals for the year ahead with these New Year's resolutions that save you cash.
Don't bother with that gym membership
Getting fit is a classic New Year's resolution but chances are you'll sign up for an expensive monthly gym contract that you never use beyond February. Don't bother with it - save money by ditching the gym with these 5 ways to stay fit without spending anything.
It's bad for your health, expensive already and is only set to get more costly as time goes on. Make a clean start in the New Year and give it up. Even if you're just a 'social smoker', cutting it out will bring health benefits and a heavier wallet.
Cut back on booze
Most of us like a good drink and there's no need to cut it out completely, but getting wasted three times a week is not only likely to end with you waking up in a hospital sooner rather than later but will be be sure to leave you with a significant dent your wallet.
Cook your own food
Ditch expensive ready meals and make your own food with easy student recipes. It's not just at home either, when out and about avoid unhealthy shop brought sandwiches and salads and try some of these University student lunch ideas.
Literally. Get yourself a piggy bank (and an old cardboard box will do) and keep a hold of all your spare change. It can add up over the next twelve months!
Stick to a budget
If you've not made one yet, get the low down on how to create a student budget and stick to it. Plan your finances ahead to avoid costly bank charges or - arguably worse - having to beg mum and dad for extra cash.
It's healthier and best of all, completely FREE! Most places around Universities are within easy walking distance and for slightly longer journeys there is always the opportunity to cycle instead.
MAIN PIC: Flickr/Karen Blaha