It’s start of the new student year and it’s time to budget for all those nights out but here is some bad news: You may have even less cash than you thought!

Welcome Fresher to the land of hard work, partying and not much sleep, oh and here’s thousands of pounds for you to self-manage – Good luck!

Saving money isn’t quite what most 2014 Freshers probably have in mind when going off to University, but you need to think about it!