Category Archives: Making the transition

Financial habits I’m taking into 3rd year

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By Hannah (Student blogger: BA Hons Advertising and Marketing)

If you know me, I am the person you would least expect to be writing a blog post related to finance at university. Previous shopaholic combined with an expensive taste in coffee, I have definitely been taken in by the sudden surge of financial freedom in the past two years of being at university and have not saved or spent in the best way.

Having just turned 21 however and entering my final year in Lancaster, I’ve decided I need to start taking money seriously. I’m not promising these tips and habits are going to be ground-breaking BUT they definitely will help me, and hopefully some of you, be better at controlling your finances this year.

  1. Use a Monzo card

They’re free and simple to apply for with no additional interest. I’ve recently set up my own Monzo bank account to run alongside my student bank account and it’s probably the best thing I’ve done for my money. Once you’ve signed up they send you a card and you have access to their online banking app which notifies you IMMEDIATLEY every time you spend ANYTHING as well as a total of how much you’ve spent that day: amazing guilt reminder. I like to use it to set limits on my daily or weekly budget. (AND if you convince a friend to download it, you both get £5 for free!)

  1. Instant coffee

I love Caffe-Nero, Costa, Starbucks and all the local cosy coffee shops in Lancaster but I think last year my addiction to store bought coffee got a little out of hand. I’m not saying to cut out your syrupy, frothy (or smooth), amazing barista-made coffee completely but maybe save it for once or twice a week when you can fully enjoy it and not just out of habit or caffeine need. You can also get some really cute reusable coffee cups for those early morning 9ams where instant coffee will do just fine.

  1. Food-shopping

I’m all for collecting nectar points and I love an innocent smoothie (the one on offer of course), but now Lidl has opened in town there’s literally no reason why I wouldn’t choose to cut my food shopping bill SIGNIFICANTLY. Also, I’m going to try shopping little and often to avoid wasting food.

  1. Eating out

If you don’t already have UNIDAYS – download it now! Studentbeans and the student’s union purple card additionally all offer a % off you food bill if you eat out on specific days in some restaurants so choose wisely! I think its important to not deprive yourself of socialising and eating out but being smart about it with discounts is definitely the way forward.

  1. Cut your problem area

This one is my most drastic change in spending, but I’ve decided to do a no-spend-on-clothes until after Christmas. Identify your problem area and COMMIT. Also I found it useful to identify what fuelled my clothes spending and want to cut that too: for example, I’ve stopped watching clothes hauls on YouTube, and planning on walking through town past the shops a lot less.

  1. Multiple income channels

When I was researching how to improve finances and build savings, nearly all the advice blogs and videos mentioned multiplying your income channels: essentially having more than one way of getting money. As well as my student loan and scholarship, I’ve decided to increase my hours at my part time job and am in the process of being a student ambassador. The University always has one off and flexible ways of earning a little extra income so even if its to pay for Christmas presents, plan-ahead and multiply those income channels!

  1. Take a photo, make a list

This is my oldest tip and habit but if you are in a shop and really want something you don’t NEED, take a photo or write it down. Chances are 50% of the time you will forget about it before you even get home. If you can go a week or month and still want it then allow yourself to go back and get it.

 

All in all I am as much as a beginner at saving, budgeting and financial planning as anyone else but being realistic these are the habits I hope to use at least this term so I can start building savings and not worry every time I pay for something hoping my card isn’t declined! Remember your WHY and REASONS for saving and it makes that Frappuccino or Topshop sale a lot less appealing. At the same time, university gives you a sense of financial freedom so as much as I encourage you to be sensible and plan, be prepared to be realistic and have fun, not obsessing over every last penny.

 

Dear Freshers: Make Michaelmas Magical

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By Sean (Student blogger: MSci Hons Computer Science)

“Kaleidoscope of loud heartbeats under coats

Everybody here wanted something more,

Searching for a sound we hadn’t heard before”

Taylor Swift – Welcome to New York

The thing is, you don’t really know what to expect. Be it the Big Apple or the much smaller Lancaster University, we tend to look through gold-tinted glasses when we arrive somewhere for the first time. This is especially true during pivotal moments of change within our lives, like our first meal alone as an adult, or our first steps into the first room we will live independently in.

During Michaelmas, everything is exciting and seems to lure you in. While the second-and-third-year students trudge through their daily routines, you’re dancing through the North Spine at the thought of finally being able to enjoy a Subway footlong every day. Nights out are crazy adventures with your mates instead of long overdue stress relief outlets, and workshop activities tend to be fun rather than headache-inducing.

I think it’s extremely important to play your cards well during Michaelmas.

Not necessarily right, but well.

I do feel many miss out on making the most of the first term. It’s the term where you have the most time and freedom but when you are also the most malleable. If you take advantage of it, you’ll find yourself growing in ways you won’t be able to forget.

Here is a list of, in my opinion, five most important things to do or start making a habit of during the Michaelmas term:

  1. Attend Welcome/Fresher’s week

Welcome week or Fresher’s week is your golden ticket to a well-rounded taste of university life. You get your course introduction, course facilities tour, orientation and initiation events and best of all: hauls of free stuff. The freebie and society fairs are the best targets, with things ranging from amazon prime trials to bicycle seat covers to GLOW nightclub member cards on the table, up for grabs. In fact, if you play it savvy and hop from event to event (especially your college events), you’ll find there isn’t a need to spend any money on food in the first week due to the opportunities to grab meals at events.

Aside from freebies, the other major benefactor of welcome/fresher’s week is how it helps you settle in. From ‘meet your course-mate’ events and course inductions, you’ll find a few buddies, which does make your first lectures feel a little nicer. Within your block or flat, your fresher’s reps join you on nights out while looking after and having fun with you. This is one of the few times everybody in your block is free, so make use of that to have a good time and get to know each other.

  1. Try talking to people

Like many others, I found myself quite intimidated by the looming idea of being tossed into a sea of new people and being expected to talk to them. However, the monsters turned out to be just trees: during welcome/fresher’s week, nobody knows anybody. People tend to be more open and willing to make conversation because everybody wants to meet new people and make friends. I talked to people in queues, in cafes, at events and made quite a few friends; and it wasn’t as scary as I made it out to be. Give it a go – I promise people won’t hiss at you.

  1. Join a society

Honestly, you might end up not attending all of your societies by 2nd or 3rd term. Nevertheless I still think this is a great idea, as you get to connect with like-minded people, and if you find something you really like, you’ll end up meeting a group of people you can vibe with who might end up being good friends. The first few society meetings tend to be free, so if there’s any time to join one, this is it.

  1. Get the ball rolling (academically)

Go to class. You really don’t want to fall behind or miss out on what are the most basic levels of your course, especially if your course requires a strong foundation. I made the mistake of skipping or not paying attention in a lot of my earlier lectures, and felt the effects later on when challenging coursework came in. It’s surprisingly easier if you take it step-by-step and just remember to keep up with your lecture notes every week.

  1. Learn to adult

Unfortunately, you don’t have the luxury of home-cooked meals or having your laundry magically do itself anymore. You’re an adult now and you have to learn to do things on your own from cleaning your room to sorting out your finances. Given its introductory nature, Michaelmas is undeniably the best time for you to get a grip of “adulting”. Get to know your way around campus. Learn to cook a few meals – some fancy and some fast. Get the hang of the public transport systems so you don’t get stranded in town one night. Show yourself what you can – and can’t do.

I hope this helps you get a vague idea of a game plan for the first term. Don’t fret if you’ve missed out on a few opportunities- you still have plenty of time and many more to come. Just make sure you’re doing whatever you can, whenever you can, and stay as happy as you can be.

Good luck – and welcome to Lancaster University!

Lectures? Seminars? Get ready with university!

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By Jojo (Student Blogger: BSc Hons Economics)

Ever wondering what a lecture is like? You might’ve already tried out some during taster days or other events, but you never really tried it for “real”…

At Lancaster, you should expect your lectures to be about 200 students in size, and depending on your course and year of study, your contact hours vary (so if you’re majoring in engineering, then you will have tons of lectures, seminars and laboratory works… Go suffer! Only kidding).

So say myself, an Economics major student. In my first year, I had six hours of economics’ lecture hours in total every week, three for one module, and three for the other. You may enjoy your two hours classes at A-Levels, but trust me, two hour lectures are “not fun”!! Reason is simple – at university, the pace that the content is taught is mind-blowing! It is quite amazing that in the first year of university, we actually learned all of A-Level stuff plus things beyond that within one academic year…So make sure you are prepared to do the work!!

So exactly how are lectures taught? Well, they are just like your ordinary lessons (but a lot bigger in size), except that you may want to listen to the lecturers and make notes of what they said, instead of writing down what’s on the PowerPoint. Firstly, it is a complete waste of time, secondly, you will never have the chance to write everything down on time (you can always look back through the slides and make notes in your own time, or just print them, they will always be on Moodle). Oh! You should also expect that the lecturers will chuck an 85 slides PowerPoint in a two hour lecture 😉

Lancaster is doing something quite interesting with lectures, they actually change lecturers every so often. This is to allow the experts to teach intellectually challenging content to students. For myself, we changed lecturers every six weeks. And the teaching received so far is quite promising, you should expect the lecturers to know “everything”. But also bear in mind, they (university and your department) value your feedback, so if you found their ways of approach are not your favourite, please do tell them and don’t just skive off the lectures, they are very important!

Ok, so we have talked about a 200 student sized lecture, but what about smaller classes, are there any smaller classes? Yes, universities most certainly do…

They are called seminars, a.k.a workshop; tutorial; or sometimes you may see yourself having a clinic (of course, laboratory workshops are slightly different…) I do agree that they are confusing, but they do have the same purposes though — giving you the chance to express your ideas; doing the work required to succeed in your course; giving you the opportunities to ask complex questions to your tutors etc…

It is also the case you may find it easier to make your new “major” friends in seminars (that is, the friends that do the same major as you). These friends can be very helpful, i.e. you may want to study with them, share thoughts, revise together, hanging out etc.

Before you go to the seminars, you are expected to have done all the preparation work, because seminars or workshops are not actually lessons (I thought they were, I was wrong, so I’m telling you right now…), they are a period of time when the tutors assess your understating of the content, as well as helping you when necessary, so they are not teaching you anything new, they are actually discussing the topics with you. So you should see it as opportunities to consolidate your understanding, as well as developing your critical thinking.

That’s it from me! A huge congratulation and welcome for getting into Lancaster. You will not regret of joining this brilliant community, with internationally recognised excellence. And good luck with your future study!!

Bon Courage!! 

Making the most of studying abroad

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by Klaudia (Student Blogger: BBA Hons International Business Management) 

Deciding about studying abroad undoubtedly may be one of both the most difficult and exciting decisions of your life. As you are going to step out of your comfort zone, there are various challenges you are going to face as well as the best moments of your life right in front of you. The list of amazing things about studying abroad is probably endless, however there are also some challenging aspects which you have to deal with.
University life sounds exciting by itself. New place, new people, new life. At first, as for an international student, it was a big transition for me. Moving out far away from home, leaving my school friends and family, being made to squeeze all my life into suitcase was challenging and a brave step into new chapter of my life. Despite ‘daily basics’ like cooking or doing laundry, I also had to deal with learning differences of studying in foreign country.

Language barrier
One of the most common and obvious issues for international students is the language barrier. For some it may mean struggling to learn new language pretty much from the scratch, or just being forced to face the ‘real’ conversation and strong local accent. The fact that many academic staff are coming from different backgrounds makes it an incredibly diverse place. Don’t be surprised when you meet a lecturer from your own country! Few first lectures may be a huge transition for you, however with every day you will get used to it.

Academic Differences
When you study in a different country the workload may be different to what you were used to. However, the biggest difference I had to deal with was the emphasis on independent studying. You are going to realise that your timetable actually does not have that many classes in comparison to the amount you had in high school. It is because university studying requires from you a lot of independent studying as well as group projects. At first you may feel the freedom of having a lot of free time, but be aware that there are many things to be done outside the class as well. So my biggest advice is to get a small planner and write down all the things you need to do. My university life became easier since I started scheduling my day so I am aware of upcoming deadlines and coursework material.

Adjusting to new ways of learning can be hard, and you realise how much you are probably used to a particular pattern of studying. However, stepping out from your comfort zone will help you to make the most of your life and develop yourself. It will also be beneficial for your future career and will make you a better learner.
If you need help, remember that you can always seek for help from university staff. You will find many academic support services on campus — some specifically for international students — ranging from library workshops to academic writing assistance and tutors.