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New year, new finances – 10 easy tips for improving your finances in 2019

The Advice and Counselling Service provide guidance on how to improve your finances in the new year, from using their online budgeting tools to making use of discounts available to you. Check out their advice to help make January seem that little bit shorter.



  1. Use our online spreadsheets to plan your personal budget, so you are in control of your finances.
  2. Use our money saving ideas to find out about discounts and ways to get the best value for your money – you could save hundreds!
  3. Are you in financial hardship? You might be eligible to apply to the University Financial Assistance Fund once you have enrolled. Watch our short animation on financial hardship to see what help is available.
  4. Try and cook with a group of friends, as this is often cheaper than cooking for yourself, and more fun! Find simple recipes at
  5. Save 30 per cent on travelcards with the 18+ Student Oyster photocard.
  6. Get discounts with your NUS Totum card (£12 a year) and subscribe to Save the Student for regular emails about student discounts.
  7. Enjoy doing more activities in London for free.
  8. Check if you could switch to a cheaper tariff for your gas and electricity bills. Also reduce your bills by finding out how you can save energy
  9. To avoid running out of money before the end of the semester, open different bank accounts for different purposes and move money between them at set times, so you are less tempted to overspend. 
  10. Save money on books – borrow from the University library; download academic e-books and e-journals for free; share books with friends; or buy second hand or discounted books online or from the campus bookshop. 

Budgeting film

Watch our short film to see the advantages of planning a budget, and just how easy it is.

Do you need further advice?

Confidential money advice at is available to all Queen Mary students from experienced Welfare Advisers in the Advice and Counselling Service. 

We have same-day appointments every weekday in term-time, subject to availability. Just turn up to register at 1.30pm. If you would prefer to book an appointment or ask for advice via email you can: 

  • email us via our website –
  • call us on 020 7882 8717
  • visit our Reception on the ground floor of the Geography Building, Mile End campus. 

Find us on

Twitter: @QMUL_ACS



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