Money

An important topic for all of us I think!!!! Students are poor, let's face it but what are we choosing to spend our limited money on. Last year (I switched courses so was at uni then too) I was eating value food so I had more money to go out 'socialising'. This year I am spending more money on food (my boyfriend refuses to eat value foods and loves his brands) and on clothes.

None of that may sound bad but I realise how much money I spent last year on drinking compared to food it's shocking. Is it bad to spend the majority of your budget (after housing) on recreation?

What about spending money to get a train home because you can't be bothered to wait for the bus?
buying some new clothes when you don't actually need any?
a new laptop or computer when yours works fine (well OK it does what it needs to but would be better placed in an antiques shop)?


Is it right to use an overdraft, after all it is basically a loan, spending money you don't actually have.

What about uses for savings???
Is it bad to use your savings to clear your overdraft, if yes what if you clear your overdraft only to go overdrawn as bad again?
Or even using it as a loaning bank for significant others (no you can't have my money!!)?

The only person you are 'harming' is yourself so is it a personal choice or a problem? I have personally spent some of my savings on getting myself out of my overdraft yet don't seem to have the strictness to keep myself out. I guess it all depends on putting a price on an experience or product.


I'm sorry I came to no real conclusions in this post, it clearer my head a bit though. I hope it doesn't just fill your head with these questions instead.