Managing Your Finances

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Managing Your Finances

• Philip Munday
• Exeter College
• Philip.munday_at_exeter.ox.ac.uk

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Managing Your Finances

• Bank and Building Society Accounts
• Many different types of account
• Shop around!

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Managing Your Finances

• Deposit Accounts
• Current Accounts
• Cheque Books
• Credit Cards
• Cheque Guarantee cards
• Interest

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Managing Your Finances

• Choosing a Bank or Building Society
• Some banks may not let you open a current
  account!
• What documents you need to take
• Look at free offers but concentrate on the basics

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Managing Your Finances

• Currency
• Transferring Money
• Exchange rates and Charges
• Using overseas credit cards
• Cash Machines

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Managing Your Finances

• Budgeting
• Think about what you will have to pay
• Plan expenditure over the year
• Try to keep something in reserve

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Managing Your Finances

• Fees and Battels
• What are they?
• When do they have to be paid?
• Can I pay termly?
• Charges for food

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Managing Your Finances

• Accommodation Costs
• College or University housing
• Private accommodation
• Council Tax
• Utility Costs
• Vacation rent

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Managing Your Finances

• Insurance
• Health Insurance
• The National Health Service
• Possessions Insurance
• Travel Insurance

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Managing Your Finances

• Working
• Legal restrictions DfES Regulations
• Work permits
• College restrictions
• Balancing your work load

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Managing Your Finances

• Transport in Oxford
• Cycling
• Buses
• Coaches
• Trains
• Driving

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Managing Your Finances

• Clothing and Heating
• Think NOW about winter clothing and heating costs

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Managing Your Finances

• Telephone and the Internet
• BT
• NTL and other providers
• Payphones
• OUCS and Email

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Managing Your Finances

• Other sources of information
• OUSU
• International Office
• JCR or MCR Welfare Officers
• College Bursars
• Banks and Building Societies

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Managing Your Finances

• Thank you for listening
• Enjoy your time in Oxford!