Thursday, January 12, 2017

How I Save 13K for Master Degree in the UK



You might know that I am a fashion blogger with the Master Degree background, but you may not know that I paid 3/4 of the tuition fee myself. I was an international student, so the amount I had to pay was 13K GBP in 2014. The moment I had no savings left in the bank account was tremendously horrid...Like c'mon, I have to start ALL OVER AGAIN! However, they say education is an investment...I spent 3 years working my ass off, and yes it paid off. How to save the money effectively like I did? Here are a few tips from me to you. Don't know if it's gonna work at your end, but this is how I roll baby. 

บางคนอาจจะรู้อยู่แล้วว่าแก้วเป็นแฟชั่นบล็อกเกอร์ไทยที่มีปริญญาโทเป็นพื้นหลังแต่แก้วมั่นใจว่าไม่ค่อยมีคนรู้ว่าเงินทุกบาททุกสตางค์ของค่าเทอมที่ประเทศอังกฤษนั้นแก้วเป็นคนหาเองเกือบทั้งหมด บอกได้เลยว่าเหนื่อยและเสียดายในเวลาเดียวกันเพราะโมเมนท์ที่จ่ายค่าเทอมหมดแล้วเงินในแบงค์เป็นศูนย์นี่คือใจหายเหมือนกันแต่เค้าบอกว่าการเรียนก็เหมือนกับการลงทุนแก้วก็เลยกัดฟันจ่ายๆให้หมด อยากรู้ไหมตลอดเวลาหลายๆปีแก้วสามารถเก็บเงินอย่างไรให้พอกับค่าเทอม? ลองเข้ามาอ่านกันเลย



1.) ALWAYS HAVE 2 BANK ACCOUNTS


That's right, I have opened 2 bank accounts; 1 for spending and 1 for savings. Besides, I only have used the debit card because I do not want to overspend and get myself in debt. I have seen a lot of people paying the money back to their credit card holders because they spend way too much on what they want. I know, I am a girl too, sometimes, it is really hard to resist the items we desperately want to have. Therefore, this is the effective way to save the money (for me). Having 2 cards makes me relieved, because I still have the money saved in the other account, no matter how much I want to swipe the card.


2.) PASSIVE INCOME


This is totally the strategy. The passive income is the key. I don't want to commit myself to just one full-time job, since the passive income is what I have aimed in life. I have learnt from the workshop Rich Dad Poor Dad that having the property is the way to make money. However, I don't have much money to invest on the estate..just yet. Therefore, the passive income as described by The Equinox Fashion means 'work on a lot of projects' Though, you might stick to the full-time job, you can absolutely find something else to do as well! If you are a blogger, why not being a part-time contributor?!


3.) CURRENCY


Last but not least, collect money in a different currency. I am Thai, and its currency is somehow lower than any other countries out there. So, working for the client who pay in other currencies always helps. Or at least, just keep the foreign notes after you back from the vacation! Wait until the rate goes up, then you can exchange back!

สุดท้ายเลยก็คือการสะสมเงินต่างประเทศหรือเวลาไปเที่ยวก็เก็บเงินไว้แลกเวลาค่าเงินขึ้น



เปิด 2 บัญชี อันนี้เป็นวิธีที่แก้วว่าได้ผลสุดๆเพราอันนึงไว้ใช้อีกอันเอาไว้เก็บ บัญชีที่เอาไว้ใช้แก้วก็จะเปิดบัตรเดบิตรไว้หนึ่งอันย้ำว่าบัตรเดบิตรนะคะไม่ใช่เครดิตเพราะแก้วเห็นหลายคนแล้วที่เป็นหนี้บัตรเครดิตเพราะรายจ่ายเยอะ แก้วเข้าใจเพราะแก้วก็เป็นผู้หญิงคนหนึ่งเช่นกัน บางทีมันก็ยากที่จะทำใจไม่ซื้อของชิ้นที่เราอยากได้อะเนอะ แต่วิธีนะใครอยากใช้เงินก็รูดเลยค่ะเพราะอย่างน้อยก็อุ่นใจได้ว่าบัญชีอีกอันอะมีเงินเก็บอยู่ในนั้นอย่างแน่นอน


หลายๆคนใช้วิธีนี้นะทำงานหลายที่ได้เงินหลายทางก็เป็นอีกวิธีในการหารายได้เสริม บางคนทำงานประจำก็หางานอื่นเสริมได้ เช่นถ้าใครเป็นบล็อกเกอร์ก็ไปรับงานเขียนพาร์ททาร์มเพิ่มแค่นี้ก็มีเงินเก็บเพิ่มขึ้นแล้ว





30 comments :

  1. That's amazing! Well done! Great advice here too :)

    Alya / MoorizZLA xx

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  2. Great post, so cool!! Happy week sweetheart!

    Mary María Style

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  3. Kudos to you, babe! That's pretty impressive for someone so young. xoxo

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  4. Fantastic post, I very like it :)

    new post
    https://www.instagram.com/ilijac/
    http://mensfashionobsession.blogspot.rs/

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  5. Dear Gail, I'm really impressed you saved that huge amount for your master! I think the methods you applied are really working - you are the best proof! Thanks for sharing - including the cool looks.
    xx from Bavaria/Germany, Rena
    www.dressedwithsoul.com

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  6. Great tips Gail! I too have 2 bank accounts to do the same thing and I'm being pretty good lately with my savings Hehee
    Isobel x

    New post: http://fashionistachic14.blogspot.co.uk/2017/01/travel-best-places-to-visit-in-ibiza.html?m=1
    Insta: https://www.instagram.com/isobelceline/
    Twitter: https://mobile.twitter.com/isobelceline
    New Video: https://youtu.be/RqefMiIyfsw
    Bloglovin : https://www.bloglovin.com/blogs/fashionista-chic-12984939

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  7. Great tips. If you made it they were useful right.
    Thanks for sharing.
    xx
    https://theonethattravels.wordpress.com/
    https://www.youtube.com/channel/UC_zn7IqrAY1I44bRuN6dH-Q

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  8. I really liked this post :) In a few years I might use these advices myself!
    xx Alina
    http://alinakristiblog.weebly.com

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  9. I agree that finding a bit of passive income is such a key to allow you to focus on other things and still have some support coming in!
    xx Jenelle
    www.inspiringwit.com

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  10. Great tips Gail ! This first photo is amazing ! Kisses :)

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  11. Fantastic post, I very like it :)

    new post
    https://www.instagram.com/ilijac/
    http://mensfashionobsession.blogspot.rs/

    ReplyDelete
  12. Such an interesting post with amazing tips for students! Well done :)
    LA VEINE

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  13. You are so smart and patient you deserve it!!

    http://www.brooklynglam.com/

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  14. These are some really good tips !

    Sara
    www.thecrimeofashion.com

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  15. Good on you! That sounds like exhausting work lol. This is a really helpful post!

    Amber - yachtsmaan.blogspot.com

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  16. These are smart tips!!! You go girl.
    Writingclaud.com

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  17. Wow that's amazing Gail congrats on paying off your degree. Gosh I could really learn from you in attaining passive income through a side job (ghost writer perhaps?) and putting some of my hard earned money in a savings account. Thanks for the lovely share hun! :) xo~ Lena
    www.thewanderliste.com

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  18. That is seriously impressive, go girl! I am terrible with money, even with three bank accounts lol (I attempted that method a few years back but somehow, and I'm looking at your 2016, my savings account was perpetually depleted.)

    Sxx
    www.daringcoco.com

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  19. Nice tips you've shared, currency always plays it's part in savings.

    Bernie, xx
    The Style Fanatic

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  20. Amazing post!
    Have a nice week-end!
    Gil Zetbase

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  21. Congratulations!! That is an amazing job!! Thank you for your advice! Big Xx Susanne - http://bagatyou.com

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  22. Ahhh!What a great post, thanks for the tips. btw, love your outfit!


    April of: https://beybiapril.wordpress.com/
    IG: @aprilnunezzz

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  23. Great tips! I put everything into my savings and only have a small amount in my checking at any given time. That helps to make sure I don't go on a spending spree.

    -M

    Violet Roots || Instagram

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  24. You did such an amazing job saving up all that money to pay for your masters yourself babe :) I think having 2 bank accounts is the best idea.

    Rachel xx
    http://www.thedailyluxe.net

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  25. Hey Gail, great tips as always. I personally don't use credit cards or I'd charge up a storm. I like to use my debit with a visa logo since it works just like credit but comes right out of my account. That way I don't spend what I don't have. Happy new year beautiful!

    http://www.fashionablyidu.com/

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  26. Very smart and these are great and useful tips!

    Face to Curls | http://facetocurls.com

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  27. Great tips! Thanks for sharing!

    http://chicglamstyle.com

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  28. wow, nice tips..Thanks for sharing it..Love your posts

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