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If you're planning to attend university in September, you should start thinking about your student budget now. You may think it is too early to start, however, this early preparation will allow you to begin university with no worries about anything other than where your lecture rooms are.
By creating a student budget, you can calculate whether your student loan will provide you with enough money for you to live on and if not, you can look at part-time jobs and other forms of income which will aid you in university. To make sure you're prepared, you should take a look at these top budgeting tips which will allow you to get the most out of your student experience.
Choose the best student account
One of the main advantages of being a student is your loan, so to make the most out of it, you should try to find the best bank account deal out there. You want to avoid making the mistake that many students have in the past, which is using their current account for their student loan. Unlike a student account, current accounts charge for overdrafts, while the majority of student accounts have 0% overdraft deals, which means you can borrow up to a certain amount in times of need without the drawback of interest.
Another great thing about student accounts is that many banks offer freebie deals, such as a free railcard or Amazon gift vouchers. Before choosing a bank, you should weigh up these options along with the overdraft limit, instead of just picking a branch just because it's around the corner from you. Once you have picked the right account for you and your student loan is available, try to avoid spending it all in one go. You should also stop yourself from reaching your overdraft limit and as a lifelong rule, never go over it, as this can be costly.
Pick the right accommodation
Although you can't choose where you live just yet, as your place at university is yet to be confirmed, this does not prevent you from having a look around. When searching for student accommodation, you need to consider several things, including price, because although the rent may seem low, you need to also look at other costs such as utility bills, Wi-Fi, TV license and more. You should compare these expenses with your expected student loan to establish whether you can afford this for the entirety of the student term.
Location is another massive thing to consider, as you want to make sure that you are close to your place of study without having to pay ridiculous prices. If your university is located in the city centre, nearby accommodation tends to be costly, so some students tend to move outside of the city and travel by public transport. This may be too much hassle, especially if you have a lot of 9 am lectures, so the best thing you can do is look early. If you're planning to attend a Liverpool-based university, you should take a look at the student accommodation available at RW Invest. These apartments offer great deals to students who are looking to live near their chosen university, while also providing an element of luxury to make you feel more at home.
Calculate your living expenses
Once you're settled and living in your chosen accommodation, this is when your budget really counts. To help you survive each term, you should make a plan which includes everything from food and household bills to clothing and leisure funds. You need to create a balance between your needs and wants because although you're living on a budget, you should still be able to have enough money to go out and enjoy yourself.
Just because you're a student does not mean you have to live in squalor and eat beans on toast for the next three years. Instead, you need to be smart when food shopping and choose essential items that will last you at least a week. To avoid spending your money on expensive and unnecessary items, you should make a shopping list, or better yet shop online. If you find that your student loan is starting to run low, you should start to cook in bulk and make lunches to go, which will prevent you from spending your money when you're at university and out and about.
5 Min Read
You may recognize Judge, Tanya Acker, from her political and legal commentary on different networks and shows like Good Morning America, The Talk, Wendy Williams, CNN Reports or The Insider. Acker is more than an experienced commentator. She is also a Judge on the fifth season of Emmy nominated CBS show, Hot Bench.
The show, created by Judge Judy, is a new take on the court genre. Alongside Acker, are two other judges: Patricia DiMango and Michael Corriero. Together the three-panel judges take viewers inside the courtroom and into their chambers. “I feel like my responsibility on the show is, to be honest, fair, [and] to try and give people a just and equitable result," Acker says. She is accomplished, honest and especially passionate about her career. In fact, Acker likes the fact that she is able to help people solve problems. “I think that efficient ways of solving disputes are really at the core of modern life.
“We are a very diverse community [with] different values, backgrounds [and] beliefs. It's inevitable that we're going to find ourselves in some conflicts. I enjoy being a part of a process where you can help resolve the conflicts and diffuse them," she explains.
Acker's career has been built around key moments and professional experiences in her life. Particularly, her time working right after college impacted the type of legal work she takes on now.
Shaping Her Career
Acker didn't foresee doing this kind of work on television when she was in college at either Howard University or Yale Law. “I was really open in college about what would happen next," Acker comments. “In fact, I deliberately chose a major (English) that wouldn't lock me into anything [because] I wanted to keep all of my options open." Her inevitable success on the show and throughout her career is an example of that. In fact, after graduating from Yale, Acker served as a judicial law clerk to Judge Dorothy Nelson who sits on the Ninth U.S. Circuit Court of Appeals.
It was not only her first job out of law school but also one of the formative experiences of her professional life. “[Judge Nelson is] certainly, if not my most important professional influence," Acker says. “She is really the living embodiment of justice, fairness, and believes in being faithful to the letter and the spirit of the law," she exclaims. “She delivers it all with a lot of love." Judge Nelson is still on the bench and is continuing to work through her Foundation: The Western Justice Center in Pasadena, California, where Acker serves on the board. The foundation helps people seeking alternative ways of resolving their disputes instead of going to court.
"I enjoy being a part of a process where you can help resolve the conflicts and diffuse them," she explains.
“It was important to her to try and create platforms for people to resolve conflict outside of court because court takes a long time," Acker explains. “I'm proud to be a part of that work and to sit on that board."
After her clerkship, she was awarded a Bristow Fellowship and continued building her career. Outside of the fellowship, Acker's legal work incorporated a broad variety of matters from civil litigation, constitutional cases, business counseling, and advising. One of her most memorable moments was representing a group of homeless people against the city. “They were being fought for vagrancy and our defense was, they had no place to go," she shares.
As part of her pro bono work, Acker was awarded the ACLU's First Amendment Award for her success with the case. Though, she has a hard time choosing from one of many memorable moments on Hot Bench. Acker does share a few of the things that matter to her. “Our show is really drawn from a cross-section of courtrooms across America and the chance to engage with such a diverse group of people really means a lot to me," she discusses.
How Did Acker Become A Judge?
In addition to Judge Nelson, Judge Judy is certainly among her top professional influences. “I think it's incredible [and] I feel very lucky that my professional career has been bookended by these incredible judges," she acclaims. “I've really learned a lot from Judy about this job, doing this kind of job on television." Before Acker was selected for Hot Bench, she hadn't been a judge. It was Judge Judy who recommended that she get some experience. Acker briefly comments on her first experience as a temporary judge on a volunteer basis in traffic court. “I was happy to be able to have the chance to kind of get a feel for it before we started doing the show," she comments. “Judy is a wonderful, kind, generous person [and] she's taught me quite a lot. I feel lucky."
Photo Courtesy of Annie Shak.
Acker's Time Away From Home
Outside of Hot Bench, Acker took recent trips to Haiti and Alabama. They were memorable and meaningful.
Haiti, in particular, was the first trip she excitedly talks about. She did some work there in an orphanage as part of LOVE Takes Root, an organization that is driven to help children around the world whether it's basic aid or education. “Haiti has a special place in my heart," she began. “As a person who's descended from enslaved people, I have a lot of honor and reverence for a country that threw off the shackles of slavery."
She was intrigued by the history of Haiti. Especially regarding the communities, corrupt government and natural disasters. “They really had to endure a lot, but I tell you this when I was there, I saw people who were more elegant, dignified, gracious and generous as any group of people I've ever met anywhere in the world," she goes on. “I think it left me with was a strong sense of how you can be graceful and elegant under fire." Acker is optimistic about the country's overall growth and success.
“[Judge Nelson is] certainly, if not my most important professional influence," Acker says. “She is really the living embodiment of justice, fairness, and believes in being faithful to the letter and the spirit of the law."
“There are certainly times when people treated me differently or made assumptions about me because I was a black woman," Acker says. “I've got it much better, but that doesn't mean it's perfect...it certainly isn't, but you just have to keep it moving."
Her other trip was different in more ways than one. She traveled there for the first time with her mother as part of a get out to vote effort, that Alabama's First black House Minority Leader, Anthony Daniels was organizing. “It was incredible to take that trip with her [and] I've got to tell you, the South of today is not the South of my mother's upbringing," she explains. Originally from Mississippi, Acker's mother hasn't been back in the South since 1952. “Every place has a ways to go, but it was a really exciting trip [and] it was nice for me to connect with that part of the country and that part of my history."
Overcoming Racial Barriers
As a black woman, Acker has certainly faced challenges based on her race and gender. But it doesn't define who she is or what she can accomplish. “There are certainly times when people treated me differently or made assumptions about me because I was a black woman," she says. “There's no sort of barrier that someone would attempt to impose upon me that they didn't attempt to impose on my mother, grandmother or great-grandmother." In a space where disparity is sometimes apparent, she recognizes that there is no barrier someone would try to impose on her that they didn't attempt to impose on her mother or grandmothers. “I've got it much better, but that doesn't mean it's perfect...it certainly isn't, but you just have to keep it moving," Acker states. The conversation continues truthfully and seriously. Acker shares what it can be like for black women, specifically. “I think we're underestimated and we can be disrespected, whereas other folks are allowed the freedom to enjoy a full range of emotions and feelings," she articulates.
At times black women are often restricted from expressing themselves. “If someone wants to make an assumption or jump to a conclusion about me because of my race or gender, that's on them, but their assumptions aren't going to define me," Acker declares. “If something makes me angry or happy I will express that and if someone wants to caricature me, that's their pigeonholing; that's not my problem." A lifelong lesson she learned and shared is to not let other people define who you are. It is one of three bits of wisdom.
Three Pieces Of Advice From Judge Acker
The Power Of Self-awareness
“It's really important that you have a really firm sense of what you want to do and be, and how you're moving in the world because when people try to sway you, judge you or steer you off course you've got to have some basis for getting back on track."
Know Your Support System
“Have a strong community of people who you trust, love and who love you," she advises. “But also learn to love and trust yourself because sometimes it's your own voice that can provide you the most comfort or solace in something."
Learn From Your Experiences
“Trust yourself. Take care of yourself. Don't be too hard on yourself. Be honest with yourself.
“There are times when it's not enough to say this is who I am. Take it or leave it. Sometimes we've got things that we need to work on, change or improve upon," she concludes.
Acker stands out not only because of her accomplishments, but the way she views certain aspects of her life. These days, she's comfortable accepting what makes her different. “I think there's a time when you're younger when conformity feels comfortable, [but] I'm comfortable these days not conforming," she laughs. She enjoys being a decision maker and helping people work through it on Hot Bench.
This article was originally published May 15, 2019.