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The best savings tips for students – mybook24 – Geld verdienen im Internet

“You don’t get rich by what you earn, you get rich by what you don’t spend.”

Henry Ford

This sentence is probably only partially true for students, since the vast majority of them usually have just enough money for living expenses due to financing by their parents, Bafög or student loans without a part-time job. But if you save money in the right places, you can at least prioritize your spending on the things that are really important to you.

The reasons for saving money in college can be quite different.

One might want to concentrate fully on studying and not take the time for a part-time job, the other might need more on the side because he wants to use the semester break to go on great trips or do that exciting unpaid internship in South America, and the next might be saving up for a home savings contract in order to be able to take out a loan for his own four walls right away in his first permanent job after graduation. Sometimes a tight study schedule does not allow students to work at all and they should seek professional help. While the reasons for saving may vary, the things you can save on are the same for most students.

Live nicer

The first own apartment, the room in the shared apartment or rather spend a while in the Hotel Mama? Probably the biggest savings potential is related to the housing model. Having your own apartment is the most expensive way to live. One-bedroom apartments in particular are relatively expensive. But staying at home isn’t always the best alternative either, especially since many wouldn’t have to study in their hometown and commute – which wouldn’t necessarily be frugal either. A nice and inexpensive alternative is living in a shared apartment or in a student dormitory. However, you should make sure that you get along well with your future roommates, otherwise you may have to move again after a short time, which can be expensive. Especially in a shared apartment it is also cheaper in other respects than in terms of rent. Well-planned joint shopping can also save money.

Saving money and the environment

Speaking of living: Of course, the best way to save on utilities is not to pay them yourself in the first place, but to continue living at home and have mom and dad pick up the tab for electricity and water. The following applies to everyone else

l Electricity costs can be saved most effectively if you first check exactly which electricity provider offers you the cheapest rate. It pays to compare prices. There are various Internet calculators that can be used to easily compare electricity providers. Furthermore, you should make sure to purchase energy-saving devices. Here a larger investment can be worthwhile and one should consider whether one really takes over the old current-guzzling refrigerator from the grandma or does not nevertheless rather a new equipment acquire, which saves at least in the long term the purse and besides the environment. In addition, you should make sure that you only switch on the electricity where you really need it: no festive lighting in the bathroom, kitchen and hallway, even though you don’t really need it. you’re cramming in your room for the next exam. Standby functions should also always be switched off, because they consume more electricity than is generally assumed.

A TV that is always in standby mode costs 25 euros more in electricity per year than a TV that is always switched off properly.

l The best way to save on water costs is to always make sure you never leave the faucet running unnecessarily – for example, when washing your hands, turn off the faucet while soaping up, and take a quick shower instead of a bath. If you have to buy new bathroom equipment, you can make sure that you buy special economy shower heads or faucets.

l Heating costs can be easily reduced by lowering the temperature in the premises by just a few degrees. Per degree one saves in this way about 6 percent heating costs! Especially in rooms that are not constantly used, you can also turn down the heating in the cold season.

The little bit of household

Another cost factor that should not be underestimated is the household and everything that goes with it. Those who move away to study are not infrequently faced with the embarrassment of having to cook and provide their own food for the first time. Many students take advantage of every visit home to raid their parents’ pantry or are happy to have a care package sent to them once in a while. But at the end of the day, no one can avoid a purchase or two.

  • A weekly shopping list can be beneficial for budget management and saves not only money, but also time, because usually one major purchase a week is enough, which may need to be supplemented by one or two smaller purchases for fresh food.
  • So at the beginning of each week, you should think about which days you would rather not go to the cafeteria and cook for yourself, and especially what should be on the menu. In this way, nothing is bought for the garbage can.
  • When shopping, you should also think carefully about how you set your priorities. No-name products from discount stores are not necessarily worse than brand-name foods. There is even a rumor that only the same product is packaged differently.
Caution: Cheap doesn’t always fill you up

When shopping in the supermarket on a tight budget, you shouldn’t save at the wrong end. A package of toast costs little, but it does not really make you full. A whole-grain bread is significantly more expensive, but also more nutritious. You often need less of more expensive but more nutritious foods, or get more out of them, than you do from cheap foods with little nutritional value.

Cheap transportation

As a student, you should think carefully about whether you really need a car. Aside from the initial cost, the cost of gas, insurance, and any repairs that may need to be done are enormous. In the best case, you will have a room near the university anyway and will not need a car for longer distances. A bicycle is usually sufficient to get around in a student city. In addition, there are numerous discounts for students in terms of transportation options.

ten. The German railroads offer a low-cost railcard for further travel, and the transport associations offer favorable student rates. And if you still don’t want to do without a car, you can consider alternatives such as car sharing.

Special promotions, offers, student discounts and benefits

Fortunately, there are always special promotions and benefits, especially for students on a tight budget. So be sure to remember to pick up your student ID at the beginning of the semester. With this card, you can often use the city’s public transportation system for less or even for free, get reduced admission to museums, the theater, swimming pools or sports studios, and much more. It can also be worthwhile to keep your eyes open for special offers for students. Newspapers, for example, often offer special magazine subscriptions. Banks also often offer particularly favorable conditions for students – such as a low-cost checking account – and health insurance companies offer favorable student rates (if family insurance is not possible).

The budget book

A very good savings aid is to keep a budget book in which you list monthly fixed costs and keep precise records of expenses for food, clothing, books, telephone, cell phone and Internet charges, as well as all income. There are also practical apps for this purpose. This way, you always have an overview of your financial situation and can easily see where you could still save money.

And last but not least, here’s a tip: If you always pay with cash instead of a card, you’ll have a better sense of how much you’re spending.


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