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Every Thursday I will be bringing you another instalment of my guest series, Money Talks. I’ll be featuring bloggers from all walks of life giving their answers to money-related questions. Hopefully, you will find a new blog to read and learn more about other people online. Money Talks will be live every Thursday and I’ve got some absolutely fantastic bloggers taking part! Hope you enjoy it. This weeks instalment features Student Skint. You can check out the Student Skint website here.
When did you start blogging?
I started blogging in June 2018, so only six months ago but it feels like a lot longer!
What inspired your blog name?
My blog name was inspired by my blog itself. I chose the name Student Skint because it automatically tells you what my blog is about and who it’s aimed at. I wanted to keep it simple and something with alliteration, so it looks and sounds catchy.
What is your attitude to money – are you a spender or a saver?
To be honest…I’m both!
I enjoy saving a lot of money out of my monthly income but likewise, I set budgets and I enjoy spending the money I allow myself to spend. If I can afford to save and spend at the same time then why deprive myself? I could probably live off £20 spending money per month if I really tried hard but I’d find that too difficult and restrictive, so I give myself £200 spending money but I save about four times more than that too. It’s the best of both.
What is the best bargain you have ever purchased?
That’s such a hard question to answer! I’ve picked up some really great things in a £1 charity shop (where everything costs £1 or less). The things I got and resold on include a ski suit, Calvin Klein dress and loads of tops and trousers brand new with tags.
There’s probably been some other great bargains that I’ve got from other charity shops or reduced in store but I can’t think of them off the top of my head.
What is the biggest splurge you have ever made?
I haven’t actually had a big splurge…I bet you don’t believe that at all but I really haven’t. I’m not materialistic and luckily, my first car was bought for me so I’ve never really needed to spend lots of money on something before. I suppose a couple of the holidays I’ve been on have cost a fair amount, but I don’t consider them as splurges because I plan and look forward to my holidays. Also, they weren’t lavish holidays that cost thousands of pounds, they were right for the price.
If you have £100,000 right now what would you do with it?
I would save, spend and donate. By that I mean I would save about £50,000 for a house deposit and general savings for myself or future children, then I would buy a house. Next, I would spend up to £30,000 on a few nice holidays and nice things for myself, friends and family. Lastly, I would use the left over £20,000 to donate to charities or buy things to donate such as toys, food, clothes and gadgets.
If you could go back 10 years & give yourself one piece of money related advice what would it be?
10 years ago I was only 11 so I probably didn’t have much money of my own anyway. The one piece of money related advice I’d give myself would be to enjoy spending money while I can, before I have to handle money consciously.
What was the last item you purchased?
The last item I purchased was food…no surprises there! I did some food shopping at Asda and I can’t find the receipt right now to tell you what the exact item was, but I can ensure it was either something healthy like a pack of carrots or a multipack of crisps.
What is your favourite ever blog post?
My favourite blog post so far of my own is How to get free food because everybody loves free food, right?
What is your biggest money regret?
I don’t have one.
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