Kent Student 101 (Season 2024 Episode 4)
In today's episode, we're talking about finance.
We'll be getting student and expert perspectives on how we can earn, organise and save money - whether that's by creating a weekly budget, cooking affordable meals, or working a job along side our studies.
Plus, we'll look at where you can go for financial support.
We'll be getting student and expert perspectives on how we can earn, organise and save money - whether that's by creating a weekly budget, cooking affordable meals, or working a job along side our studies.
Plus, we'll look at where you can go for financial support.
Category
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TVTranscript
00:00 (upbeat music)
00:02 - Hello and welcome to Kent Student 101.
00:23 My name is Ayo and this is the weekly program
00:25 all about student life across Kent.
00:27 This is a show designed by students
00:29 to help you through your time at university
00:31 and highlight a range of resources,
00:32 opportunities and activities open to you.
00:34 In today's episode, we're talking about finance.
00:38 We'll be getting student and expert perspectives
00:40 on how we can earn, organize and save money,
00:43 whether that's by creating a weekly budget,
00:45 cooking affordable meals
00:46 or working a job alongside our studies.
00:48 Plus, we'll look at where you can go for financial support.
00:51 First tonight, we asked students on Medway campus
00:54 how they balance studying and part-time work.
00:56 Plus, we wanted to know if they had any tips
00:59 for keeping track of our finances.
01:00 Let's see what they had to say.
01:02 - I work at the weekends, Saturday and Sunday.
01:06 So during the week from Monday to Friday,
01:09 I can focus on my studies.
01:10 - It's quite hard to have my course
01:12 'cause it's like 30 hour plus weeks,
01:14 but I'll say if you wanna have a part-time job,
01:16 best to do that on the weekend, Saturday and Sundays,
01:19 maybe like 10 hours per week.
01:21 - I'm not working,
01:22 I'm just focusing on getting the learning done.
01:26 - I used to have a part-time job,
01:27 but I don't have one now mainly because
01:29 I'm just working on my coursework and stuff, so yeah.
01:31 - I run my own bakery, I guess.
01:32 I sell cakes and cupcakes.
01:34 In terms of balancing,
01:35 I think it's just organizing the schedule each week
01:38 so that I've done all the work that I need to do.
01:41 So by the time I need to bake,
01:43 it's not like I have things to do in between
01:45 'cause it can be very time consuming.
01:47 - I mainly just make sure I keep work to the weekends.
01:51 - If I was gonna have a part-time job,
01:53 I probably wouldn't want to work
01:56 more than one or two days a week.
01:58 - If you have savings accounts,
02:00 then you can put majority of your money to it
02:01 and then give yourself like a weekly budget
02:03 so you don't overspend.
02:05 - I log in directly to my student finance account
02:08 and I view my status.
02:11 - Just check your bank account
02:12 and see how much is in there, see how much isn't.
02:13 In the main way I do check my finances other times
02:15 is that I put them into sets,
02:17 so it's like I'll draw out a certain amount from my account.
02:20 If I'm like, I need this amount of money
02:21 for this amount of thing, I'll draw it out.
02:23 And when I wanna use it for something important,
02:24 let's say for paying my student accommodation
02:26 or for paying for equipment,
02:27 I'll put it right back in the account.
02:29 - Speaking of part-time jobs,
02:31 did you know there are lots of opportunities for work
02:33 both on and off campuses around Kent?
02:36 Daisy Whitehouse-Seconds spoke to some employers
02:38 about the application process,
02:40 what types of students they employ
02:41 and how they accommodate the university timetables.
02:45 - Being a student and balancing finances
02:47 can be very challenging while studying at university.
02:50 There are many student jobs available to you
02:52 that can help you earn a bit of extra money.
02:55 I visited the University of Kent
02:57 and spoke to the Kent Union Retail Outlet Manager
02:59 and here's what he had to say.
03:01 - Kent Union is a place that I've worked for
03:04 for over 30 years,
03:06 and our main body of work is to enhance student life
03:10 whilst at the University of Kent doing their degrees
03:13 and their further education.
03:14 So financially, it's rewarding for a student
03:19 to be connected to Kent Union through either work
03:23 or support that we can give them in other ways.
03:26 I think it's important that we as a student union, sorry,
03:30 are fundamental and instrumental
03:33 in making sure that students get employment.
03:35 And so for me, I think it's great
03:38 that we can enhance student life.
03:40 Not only do they earn money,
03:42 but they can pick up life skills,
03:44 enhance CVs and all that kind of stuff.
03:46 So I think it's a bigger body of work
03:49 than just employing students to help us.
03:52 It's about us helping them as well
03:54 and giving them stepping stones in life.
03:56 So here at the University of Kent,
04:00 as a student union, we employ many students,
04:03 hundreds of students throughout the year.
04:05 On average, just in retail,
04:07 we actually employ just about 100 students.
04:10 And then of course,
04:11 we have our outlets across the university.
04:13 So we have Woody's Bar,
04:15 we have the nightclub, the venue,
04:18 we have a library cafe
04:19 and we have other little outlets as well.
04:21 Next, we ventured into town
04:22 to speak to a manager at the Inglesby
04:24 to find out the process of getting a job outside of campus.
04:28 Hi, I'm Luke.
04:29 I'm the kitchen manager here
04:30 at Thomas Ingram's Spring and Canterbury.
04:31 Put it up on my Indeed's.
04:33 People apply,
04:33 they normally get an interview within the first two weeks,
04:35 depending on how long we put the app up for.
04:38 And then we have the interview,
04:39 finish them off, then it's an induction.
04:41 They get 13 weeks after the induction,
04:43 if they're successful, to get a permanent position.
04:46 And then after that,
04:47 it would go on until they finish at university
04:50 or they don't want to work here anymore.
04:50 The job here is 60 quid a week or 70 quid a week.
04:53 Just pays for your food.
04:54 It's probably quite important for students.
04:57 Finding a job can seem very daunting,
04:58 but it can actually help you not only financially,
05:01 but gain experience and skills while studying.
05:03 Next, covering essential costs
05:06 often leave students with little to spend on leisure or fun.
05:10 This week, the Recreation Station team
05:12 dropped into the Long Rest,
05:13 a board game cafe in Canterbury,
05:14 to have some budget-friendly fun.
05:16 Let's see what they got up to.
05:18 On this week's Recreation Station,
05:25 we were looking for places where students
05:27 could have a fun and relaxing time at a low price.
05:30 Well, I'm here at the Long Rest board game cafe
05:32 on Butchery Lane, Canterbury.
05:34 So the Long Rest is a board game cafe
05:40 and event space in the heart of Canterbury.
05:43 We have the Long Rest to be open for community spaces,
05:47 for families, to use the space for hobbies
05:51 and also for board games.
05:52 We have a library of over 200 board games now
05:56 that customers who come in can just pick from the library
05:58 and decide to play games
06:00 or bring their own games in if they prefer.
06:02 The exam period is just around the corner
06:04 and things can get stressful.
06:07 Still, it can be important to take a step back
06:09 from your studies or find a place away from campus
06:12 to work or unwind, especially at a student-friendly price.
06:16 It might just be the kind of thing you need
06:18 to help alleviate your stress and recharge your brain.
06:21 Well, I just got in and ordered myself
06:22 a Wild Magic Sorcerer.
06:23 Don't ask me what went into it
06:25 because I rolled a dice to determine that.
06:27 I'm now gonna play some Disney Villainous
06:29 with some friends and let's see how that goes.
06:31 Draw the top four of your deck.
06:33 Managing finances can be stressful for students.
06:38 Gaming is just one avenue to take.
06:40 Some students might prefer to do exercise,
06:42 go out for food or listen to music.
06:45 There are many methods to de-stress,
06:47 so find the right one for you.
06:48 - And I'll bang Peter Pan.
06:50 (sighs)
06:52 - I like that.
06:54 - Good game, well done, congratulations.
06:56 (claps)
06:58 Games can provide a great balance
07:01 between keeping your brain exercised and just having fun.
07:04 - We keep it affordable because we prioritize local produce.
07:09 So we use a lot of local supplies,
07:11 which saves money for us,
07:12 which means that we can save money for students.
07:14 We also offer a student membership.
07:16 So for 10 pounds a month,
07:17 students can save 50% on bookings when they book with us.
07:21 And they also get 10% on food and drink as members.
07:25 - This is one of many budget-friendly,
07:26 fun and relaxing activities
07:28 that students can do within Kent.
07:30 So keep an eye out in your local area
07:32 for some low-cost recreation like this cafe.
07:36 That's it from us on Recreation Station.
07:39 See you next week.
07:40 - Now, some students say that there isn't enough emphasis
07:52 on life skills in education,
07:54 like understanding and managing money.
07:56 Economics is typically an optional subject
07:58 and many people will complete school
07:59 without ever studying it.
08:01 So joining us today in the studio
08:03 to answer some of our money queries
08:04 is finance student Flavius Stroh and Tom Hawkes,
08:07 a student on placement at an investment bank.
08:09 Thank you both for joining us.
08:11 So Tom, I'll start with you.
08:13 Tell us why it's important
08:15 for students to be informed about money.
08:16 - Yeah, so students all the way through
08:18 when they're going through school
08:20 and also then after they graduate,
08:21 they're gonna be faced with lots of decisions
08:23 around what they spend money on.
08:24 And having financial literacy really helps them,
08:27 especially once they graduate
08:28 and they have to start paying bills
08:29 and their student loan back,
08:31 then this is important that they understand
08:33 what options are available for them
08:34 when they're looking at savings accounts, current accounts
08:37 and what they're gonna be spending their money on.
08:40 - And tell us what types of savings accounts
08:42 should students be aware of?
08:43 - Yeah, so there's key types really.
08:45 I mean, there's when looking at savings accounts,
08:48 there's ones that are like easy access saver accounts.
08:50 So students can go and get them,
08:52 typically have like a lower interest rate,
08:54 but it means that they can take money out.
08:55 So it's more like an emergency fund.
08:57 But then there's ones which are like
08:59 regular savings accounts,
09:01 where you might lock your money away for a few years,
09:03 only withdrawing certain times per year.
09:06 And then there's also ISAs,
09:07 which are individual savings accounts.
09:09 These are tax free savings accounts.
09:12 They are a great option
09:12 if you're willing to lock your money away.
09:14 There's also something called a lifetime ISA,
09:16 which is what the government rolled out recently
09:17 where students can put in a small amount
09:20 and the government talks out by 25% each year.
09:23 - Now Flavius, so onto you.
09:24 What advice would you give a student
09:26 that's trying to pay off their student debts?
09:28 - So firstly, I would say saving is definitely
09:30 the first thing anyone would have to do
09:32 when you first become a student.
09:34 Breaking off from your family home
09:36 and living by yourself is a very, very big change.
09:38 And I think getting money in
09:41 and putting some away every single month,
09:43 wherever that is from your part-time job
09:45 or from your student loan is a great choice.
09:47 It brings you into a really good position
09:50 after you graduate, you have some money left over.
09:53 And then if you want to put that
09:54 into any sort of investments, any sort of future plans,
09:59 then you have that money for backup.
10:02 - And tell us, when exactly does someone start paying tax?
10:06 - So in terms of tax, we have two types of tax.
10:08 We have income tax and national income tax.
10:10 National income tax is starting to pay,
10:12 you start to pay it when you start earning
10:14 above 1,038 pounds each month.
10:17 Normal income tax is when you start paying 12,500
10:23 yearly per annum income.
10:25 That's when you have the different tax brackets,
10:27 20%, 40%, 60%, depending on how much you earn per annum.
10:32 - And back to you, Tom.
10:33 What is one piece of advice
10:35 that you would give someone in their 20s?
10:37 - Yeah, I would say start saving early.
10:39 It's more powerful if you start saving now
10:41 than it is in 30 years' time.
10:43 This is due to something called compound interest.
10:45 So if you make interest on your savings
10:47 and reinvest that interest, it will grow exponentially.
10:51 And I would just say, make sure that,
10:54 perhaps more practical around that,
10:55 is if you set aside a certain amount each month
10:58 that you're going to save, put that in your savings
11:01 before you start spending any money on going out
11:03 or whatever, and then you're guaranteed
11:05 to be quite regimented with it.
11:07 - And lastly, Flavius, just quickly tell us,
11:09 how do investments work?
11:10 - So in terms of investments,
11:12 an investment can go over a long period of time.
11:16 So you have different types of investments
11:17 where the money you put in would come back
11:19 at a 10% follow-through.
11:22 So any money you come through
11:23 would have a 10% comeback each year.
11:25 Those investments usually you cannot touch.
11:28 So once you put the money in, that's it.
11:30 You cannot touch it any longer.
11:31 But you also have short-term investments.
11:33 So, for example, when you invest into stock,
11:37 at that point, you can put the money in
11:39 at whatever time you want and redraw it whenever you want,
11:42 which is when you can make a lot of money
11:43 on a short-term basis.
11:45 - That's enough for now.
11:46 I'm afraid I have to cut you off.
11:48 - No problem.
11:48 It's time for a short break now.
11:50 Do not go anywhere.
11:51 We'll be coming up next, up next will be Alex's analysis.
11:54 But until before the break, we'll see you soon.
11:57 (upbeat music)
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15:04 (music)
15:08 Hello and welcome back to Kent Student 101.
15:13 Next tonight, affordable meals don't have to be boring or basic.
15:16 The Budget Babes are here once again to show us how to cook up a fancy French recipe
15:22 in hopes you could get the taste of the restaurant experience at home.
15:25 Let's take a look.
15:25 Hi, I'm Peter.
15:28 I'm Hannah.
15:28 And together, we are The Budget Babes.
15:31 (music)
15:33 So what are we making today, Peter?
15:41 Today, Hannah, we're making chicken and potatoes.
15:44 But the potatoes, we're going to make just a little bit fancier.
15:47 How fancy?
15:47 So fancy, it has its own special name.
15:50 Potatoes Parve.
15:51 Ah, yes.
15:56 Today, we're making something simple with a hint of class using the ingredients shown on screen.
16:01 To start, peel and slice your potatoes using a mandolin into thin slices
16:05 and place them into a bowl.
16:07 Whilst doing so, heat up your lard and pour into the bowl of potatoes.
16:10 You can substitute the lard for clarified butter or duck fat.
16:13 Once the bowl with potatoes have cooled,
16:15 begin shingling slices onto a parchment-lined baking tray, building layer upon layer.
16:20 Then place the baking tray into a preheated oven of 160 degrees for three hours,
16:25 after which weigh it down using whatever you have at home
16:28 and place into the fridge, allowing to chill overnight.
16:30 Twelve hours later, take it out of the fridge.
16:35 It should be firm and easy to cut.
16:37 At this stage, slice the potatoes into whatever shape you would like.
16:40 If the process has been done correctly, it should look like this.
16:43 Dice three cloves of garlic and chopped chives for garnish.
16:47 Then, butterfly the chicken as I am doing and add seasonings of your choice.
16:51 We added salt, pepper, paprika, cayenne pepper and garlic powder.
16:54 [Music]
16:58 Onto the fun part.
16:59 Fry the potatoes over medium heat in leftover lard and oil for three to five minutes
17:04 until nice golden brown, then allow to drain over paper towels.
17:07 For the chicken, add approximately two tablespoons of oil,
17:12 then fry your chicken, flipping occasionally until golden on both sides.
17:15 Then take it off the pan and allow to rest.
17:17 At this stage, your dish should be complete.
17:19 To jazz things up, we're making an optional pan sauce using shallots and lemon.
17:24 Add the remaining garlic and shallots into the pan and saute until fragrant.
17:28 [Music]
17:31 Then, add chicken stock and milk for a creamy texture
17:35 and reduce until your desired consistency.
17:38 Add butter, chives and lemon.
17:40 Season with salt and pepper to taste.
17:42 [Music]
17:46 Finally, plate up and bon appetit.
17:47 [Music]
17:50 Ta-da!
17:50 Chicken and potato pavé.
17:52 Just goes to show even on a budget, you can cook something fancy.
17:55 Just needs a little bit of time and effort, but I promise you it is 100% worth it.
18:00 And if made correctly, you can see all the individual layers on the potato.
18:03 Now, let's enjoy!
18:05 Cheers!
18:09 See you next week!
18:10 Bye!
18:20 Thank you, Budget Babes. That looks really delicious.
18:22 Now, sometimes we may need a little bit of help when it comes to getting hold of our everyday essentials.
18:27 Beyond your university, multiple organisations around Kent have food banks
18:31 where you can go when you are struggling.
18:32 Dan Bellamy has more.
18:33 In today's financial climate, it can sometimes be difficult for people to make ends meet
18:39 in their day-to-day activities.
18:40 This issue becomes especially prevalent for students who need to find ways to manage their rent,
18:46 food spending, hygiene costs and many more.
18:50 Today I'm in Canterbury where I'm going to be looking at how students can reduce their spending
18:53 in their food shops.
18:55 Specifically, looking at food banks and how exactly they can help
18:58 and getting the opinions of both students and staff and getting their take on them.
19:02 We visited several shops in Canterbury, including the Co-op on campus,
19:06 which for many provides their day-to-day shops.
19:09 We also spoke to some students about food banks to get their takes.
19:12 The cost of living crisis probably isn't helping a lot of people.
19:17 Student loans as well, I've found in my experience,
19:20 the majority of my student loan has been used up on paying my rent.
19:24 So I think for a lot of people who maybe don't get the extra or extra help from parents and things,
19:31 probably struggle quite a lot to use their student loan to actually pay for things like food.
19:37 As much as there should be better reform, as much as they shouldn't need to exist,
19:43 obviously in the current climate they have to exist and it provides those needs for those struggling.
19:50 Food banks provide an essential service for those struggling in today's financial climate.
19:54 We spoke to retail worker, Louis Daly, for his opinion.
19:58 Food banks provide the most necessary food ingredients.
20:02 Like, you know, you can get a fair few things through whatever's on offer.
20:07 Bolognese is the easy stuff to cook.
20:09 And especially with the cost of living crisis and prices just keep increasing,
20:15 then I don't think anyone should be embarrassed for food banks.
20:20 There's so many students that may not get help from whoever,
20:24 maybe who have like their guardians, their parents or so on.
20:28 When you're trying to balance your food shopping as well as bills and electricity and you're working,
20:33 you feel like most of your money is going towards all of these things.
20:36 Whereas, like, you know, if you'd go to a food bank, it would just make it so much easier.
20:42 It seems the general consensus is it's the cost of living crisis
20:45 is making things especially difficult for students.
20:48 However, with food and hygiene banks,
20:50 it might be the little things that make big differences to student spending.
20:53 In most supermarkets across Kent, there are similar such food and hygiene banks available.
20:58 Let's hope they aid in reducing stress.
21:00 This has been Dan Bellamy for KMTV.
21:05 Next, earlier I was joined by Alex Skaife to share with us
21:08 this week's Alex's analysis on the TV show Succession.
21:11 Alex, thank you very much for joining us.
21:13 Why don't you start by telling us what exactly the show is about?
21:16 So the show is called Succession and it's about three children
21:19 vying for control of their father's media empire.
21:22 It's a really great show.
21:23 It has so many wonderful components and I'm very excited to talk about it.
21:26 So tell us what exactly the genre is.
21:28 Well, in my opinion, the show is kind of genre-less.
21:32 So a lot of people have been comparing the writing in the show by Jesse Armstrong to
21:35 Shakespeare and in the way that Shakespeare is able to put
21:39 tragedy, comedy and drama all into one scene, I think this show does that as well.
21:44 There are so many great comedic elements in the show,
21:46 a lot of them carried by Keenan Culkin, who plays Roman Roy.
21:50 He's very foul-mouthed and it's great in the show,
21:52 but the more dramatic elements come from Kendall Roy,
21:56 who kind of does a blend of like this tragic hero,
22:00 but also kind of incredibly pathetic.
22:02 So you get a lot of emotions from watching these characters
22:05 and it creates something that I think is above a simple genre piece.
22:09 And tell us, why did you exactly choose to review it?
22:12 Well, the thing about the show is I'm a huge fan of it.
22:18 I think it does so many components well.
22:20 It's got incredible cinematography, great acting and a great score.
22:23 And what I love about it so much is that it kind of reminds you
22:26 why you love film and television.
22:29 You can listen to music by itself, you can look at a painting,
22:32 you can go and see a play if you want to see acting.
22:33 But I think film and television is the only medium where you can have
22:36 all of those things unified and tells the story the way that
22:39 you wouldn't be able to tell it in any other piece of media.
22:41 And lastly, how is this show relevant to students?
22:44 Well, I would say it's very relevant to students.
22:47 It covers a few issues that are relevant to students,
22:50 such as politics in the age of social media, climate change, toxic workplace culture.
22:56 And I think if you're someone who is looking for a TV show
23:01 that tackles these issues with nuance and with depth,
23:03 then I think this is probably the show for you.
23:06 Alex, thank you very much for joining us.
23:09 Next, we wanted to find out if students and budgeting are two things that can coexist.
23:14 So we went to the University of Kent campus to hear how they budget.
23:17 I am an international student.
23:19 I have very limited income, so I have to budget.
23:22 I suppose I put money aside to make sure that I do have money for the week for shopping specifically
23:28 and make sure I have money left over for anything else that I need, really.
23:33 I try to spend about no more than 30 to 40, but I know that I do sometimes go a little bit over.
23:40 I can go a little bit over sometimes, depending on where I shop, of course, as well.
23:44 I keep roughly to that budget.
23:45 The most I've got was like five, six, seven pounds, maybe.
23:49 It's usually all right, you know, going grocery shopping.
23:52 I can stick to that budget.
23:53 But, you know, things like, let them choose.
23:55 So it seems like many students would like to budget, but sometimes something gets in the way.
24:00 We asked students what in particular disrupts their budgeting.
24:03 I get impulsive sometimes.
24:05 If I think I would be able to put it inside the budget,
24:11 if I were to learn how to cook, if I were to buy more vegetables and stuff like that.
24:15 But yeah.
24:16 Like going out, especially if you're a little bit tipsy, you get a bit carried away.
24:20 You tend to forget that money is really short at university and you splurge a little bit.
24:26 Yeah.
24:27 I think sometimes it's being on campus and I think, oh, I'd have enough money to go,
24:32 you know, buy lunch or something.
24:33 But actually, I should have just made lunch at home.
24:35 Unexpected things, so if I end up going out, but I haven't planned it,
24:39 it would make me go over my budget.
24:40 It can be easy to feel worried or stressed about money.
24:45 So that's why we're heading over to Calamity Corner, where this week,
24:48 Kristen will be answering your questions on budgeting your student loan.
24:51 The question I'm answering this week is, how do I save money and budget my loan wisely?
25:02 For monitoring your spending and equaling it out well, is the rule of 50/30/20.
25:11 So this rule is basically telling you how to spend your money and where to put it.
25:16 So the 50% is for what you need.
25:19 So this would be your food, your cleaning supplies,
25:22 home stuff, just general things that you really need to look after yourself.
25:28 Secondly, the 30 is for wants.
25:30 So, you know, clothes or hair products.
25:34 Maybe you want to get your nails done.
25:36 Maybe you want to get a new T-shirt.
25:38 And then the 20% is for savings.
25:41 So my recommendation would be, once your loan comes in,
25:46 divide that up, put the 20% in savings, put the 30% in a separate savings box, maybe,
25:52 and then keep the 50% in your bank to be spent on necessities.
25:58 And finally, try to buy things secondhand.
26:01 I know textbooks can be very expensive.
26:04 So if you can borrow them from the library, or if the library does not have them,
26:07 you can get them secondhand on certain websites online.
26:11 They're not too hard to find.
26:13 Well, that's all we've got time for this week on this week's episode of Kent Student 101.
26:18 Be sure to add KMTV on all your socials to keep up with us throughout the academic term
26:22 and have your voices heard in future episodes.
26:25 Next week, we'll be talking about all about free time and the things we can get up to
26:29 when we're not busy studying and working.
26:31 Don't forget to reach out to us on social media and send your dilemmas to Calamity Corner.
26:36 Until next week, take care.
26:38 (upbeat music)
26:48 (music)
26:58 (music)