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Student Money Management

A term-by-term income map, a weekly allowance that lasts to the next loan payment, part-time work and support funds organised, and plans for summers, placements and leaving university.

Free · Mac (Apple silicon) and Windows · v1.0.0 · Other platforms

Then open the Marketplace in the app, search for Student Money Management, and click Install. It goes into your own files, and works offline from then on.

Before you start: this plan is general information to help you organise your own money decisions. It is not financial, investment, tax or legal advice. Check decisions that matter with a qualified, licensed adviser in your country, and remember that investing and trading can lose money.

What it installs.

1

Pillar

1

Area

50

Projects

200

Starter tasks

💷 Personal Finance

Student Money Management

Managing loans, part-time income, rent and living costs through university terms so money lasts until the next payment.

  1. Term-by-term student income map
  2. Maintenance loan application and payment dates
  3. Choosing a student bank account
  4. Weekly allowance from each loan instalment
  5. Year's course costs forecast
  6. Bursary, scholarship and grant search
  7. Student finance documents and logins folder
  8. Student ID, railcard and discount set-up
  9. Belongings cover in halls or a shared house
  10. Sunday student money check-in
  11. Loan instalment day routine
  12. Shared-kitchen food budget and batch cooking
  13. Part-time job hours and payslip tracker
  14. Student overdraft use tracker
  15. End-of-term money review
  16. Travel home tickets booked in advance
  17. One-month-rent student buffer
  18. Nights out and social spending cap
  19. Yearly student finance reapplication
  20. How household income sets your loan
  21. Tax on student wages and emergency tax refunds
  22. Student money mule and scam warning signs
  23. Building a credit history safely at university
  24. Reading a student let for hidden costs
  25. Free and discounted campus resources map
  26. Second-year housing cost comparison
  27. Living at home versus moving out cost comparison
  28. Laptop and study kit purchase decision
  29. Cutting textbook and course material costs
  30. Finding term-time work that fits your timetable
  31. Catered or self-catered halls decision
  32. Moving-in costs before the first term
  33. Freshers week spending plan
  34. Money advice appointment with student support
  35. Summer vacation money plan
  36. Graduation day costs
  37. Final term money wind-down
  38. International student money set-up
  39. Mature student with household bills
  40. Student parent childcare and grant support
  41. Disabled students' allowance and extra costs
  42. Estranged students and care leavers support
  43. Placement year finances
  44. Study abroad or exchange year budget
  45. Parents agreeing a student allowance
  46. University hardship fund application
  47. Mid-year reassessment after a household income drop
  48. Repeating a year, changing course or suspending studies
  49. Postgraduate funding plan
  50. Freelance and self-employed income while studying

Where it starts.

Each project arrives with its purpose, milestones and first tasks written out. Here is how the first three read.

Term-by-term student income map

Most students know their total loan for the year but not when each part arrives or how long it has to last. A single page showing every source of money, each payment date and the gap until the next one turns a vague annual figure into something you can plan a week around.

First tasks

  • Download your funding award letter from your student finance account
  • List every income source with its expected date and amount
  • Add rent and other fixed costs under each payment date
  • Mark the longest gap between payments in a different colour

Maintenance loan application and payment dates

Late applications are the most common reason a first payment arrives weeks into term, leaving students borrowing from friends to pay rent. Applying early, sending any household income evidence asked for, and confirming that your university has registered you means the first instalment lands when it should.

First tasks

  • Look up the funding body's deadline for payment at the start of term
  • Gather passport, bank details and household income details before starting
  • Send the parent or partner income form request with a written deadline
  • Check the award letter for course, university and year of study

Choosing a student bank account

Student accounts differ mainly in the size of the interest-free overdraft, how it is released in stages, and what happens to it after graduation. Comparing three on those points, rather than on the free gift, decides how much a mistake costs you in your final year.

First tasks

  • Compare three student accounts on overdraft size and graduate terms
  • Check what proof of student status each bank asks for
  • Open the chosen account and confirm the details with the funding body
  • Write the overdraft limit and its interest-free end date in your income map

Make it yours.

Install Student Money Management, then tell Aurum the date you're aiming for. It checks whether the plan fits the weeks you actually have.

Free · Mac (Apple silicon) and Windows · v1.0.0 · Other platforms

Blueprints are general information to help you organise your own work. They are not medical, financial, legal or other professional advice. See the Terms.