giffgaff gameplan: Lifegoals Workshop Event

Happy Friday,

I hope you’re all well!

Firstly, before I get into this weeks post, I am THRILLED to announce that after almost three months of being locked out of my Twitter account, I have regained access! (*cue the audience cheers*) Hopefully, this means I’ll be more motivated to get back into the full swing of blogging without feeling completely out of the bloggers loop, like I have been these past months.

Yesterday, I was very kindly invited to another North East blogging event, this time ran by the lovely people of giffgaff: gameplan, at the Hilton Gateshead and I thought I’d give you a little run down of how it went!

You probably know giffgaff as the popular mobile network. However the company have started on another venture into the world of personal financing! The network have launched a saving money website, which allows you to compare energy prices, car insurance, loans and credit card providers. The site also offers a free credit report so you can be on your way to building your dreams and budgeting to keep on top of it all! You can find giffgaff:gameplan website here.

The event revolved around finances and money management, a topic which I think most of us tend to just assume we know enough about to breeze by in life. However, since finishing university and being shoved into the real world, I’ve found that I need to know a lot more than just the basics of how to understand financing. It’s all so adult.

Upon arrival to the event, we were welcomed warmly with a glass of wine and had time to mingle and enjoy the view of the Tyne Bridge before being ushered into our workshops.

WORKSHOP ONE: Everyday Savings

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Eileen Adamson of Yourmoneysorted.co.uk

The first workshop was based on ‘Everyday Savings’ and was ran by the charming Eileen Adamson of Your Money Sorted. Eileen talked about ways of saving on interest through paying just that little more than the minimum on credit cards paybacks and mortgages, meaning you are not only saving yourself a nice bit of money to spend how you like but can pay it off even earlier! I honestly would never even think to pay back more than the minimum, I sort of just go with the flow but I’ll 100% be taking Eileen’s advice on board.

We then enjoyed some interactive activities, including spending habits bingo, Jenga (which encouraged us to mingle and feel more comfortable discussing money), scheduling a meal plan for the month to aid in stopping the need to buy more than the essentials, which I am very guilty of! We then shared websites and apps that would help to both make money and save money, including Plum and Chip, two apps that work with your bank to save a small amount from your current account and build up savings.

By the end of the workshop, I really felt like I’d not only learned new ways to save and find great deals but also felt more confident about discussing money around my peers. I’ve always sort of shied away from the topic completely, when, like Eileen said, we don’t talk about money enough and it should be a more comfortable social discussion. Hey, with my new found confidence I might even try haggling!

buffetWe then stopped for a little buffet break and enjoyed some of the food that Hilton had to offer. This is always the part of any event where I feel like I’ve been so lucky with the opportunities my blog has given me, especially with not even having it a whole year yet! I had a lovely little chat with Yasmina, Kate and Becka about all things rom coms and snacks before making my way to the last workshop of the night.

WORKSHOP TWO: Bad Credit/Credit Score Advice

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Karyn Fleeting of Miss Thrifty

The second workshop was ran by the expert of credit, Karyn Fleeting of The Miss Thrifty Blog. If I’m being completely truthful, I went into this workshop only know the bare minimum about credit and most of my knowledge came from passing conversations with friends. Being only 22, I thought that credit would only affect me when I get a little bit older but Karyn has put me in a much better relationship with understanding that credit should be given more attention, no matter what age.

Karyn talked us through how to check our credit score, using Experian, Equifax and CallCredit, what each rating would mean for future referencing and the importance of a high credit score when applying for a loan or a mortgage. Karyn then went on to advise us on how to inflate our credit score through paying bills on time and avoiding payday loans, before demonstrating how to repair a credit score if it’s all looking a bit downhill, with a credit rebuild card and a smidge of patience.

As I said previously, I had such a small amount of understanding on what credit truly was and how it would affect the way I spend, loan and prepare for my future. Thankfully, after Karyn’s incredibly helpful workshop, I’ll now be more wary of my credit score and keep top tip on making sure it’s as high as possible. I even checked my score as soon as I got back to the house! Keen bean.

missthrifty

To round up the event, I had a great evening and loved being in the company of other bloggers once more. It’s so nice to feel part of your local blogging community and put real life faces to blog names!

Thanks to the workshop speakers, giffgaff:gameplan, Jennie and Alice for organising the event and inviting me and the staff at the Hilton Gateshead for making us all feel very welcome.

Cheers for reading,

Chanel

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How I Earned Money at University

Hello, I’m back!

Sorry I’ve been absent the last week I had several different issues that all seemed to happen at once, but I won’t bore you with the details!

I’ve decided to write about a topic which I think may be quite helpful for any students that are struggling under the hefty weight of balancing finances. We all know that student loans can be incredibly difficult to live off and sometimes it leaves you with decisions like, should I eat like a normal human being for a week or do I live only off noodles so I can afford the train home to see the family?

Well, in the first year of uni, although my parents helped out (when I reluctantly asked them a month after moving out, too many nights out, woops!) I was still finding myself worrying about being able to afford necessities and trips home for family and friends special occasions.

One thing I knew for certain was that I did not want to dip into my overdraft. I’d heard nightmares about friends who had spent all their overdraft allowance which swallowed up their next loan installment and ended up in a repetitive cycle. I asked around for any part- time work and I found the perfect solution for a bit of extra cash.

Promotion work.

Not the standing outside in the cold at 3am in the morning handing out leaflets to club goers (although there’s nothing wrong with it) but working with proper brands who were launching new products or just wanted to get the word out!

Promotion work is very well paid for part-time work. I used to get around £8 to £10 an hour and in most cases I worked for no more than eight hours. A sweet little paycheck for an easy task.

What do I do?

All you have to do is interact with the public and spread the word about the campaign. It ranges with each campaign. One day you could be handing out free samples of a new beverage at a train station, the next you could be dressed in costume and prancing about the city talking to people about a new children’s TV show. I used to love the variety of the campaigns and looked forward to trying out things I would never have thought of doing, like face painting and ice cream making!

Some other promotion work can involve skills, which if you have a talent will definitely work in your benefit.

Will it disturb my study?

Absolutely not! The best thing about promotion work is that YOU choose what, when and where you work so it’s all flexible. However, sometimes the agency may ring you if you’re on their books and they’re desperate for some last minute help, but they won’t mind if you’re unavailable.

Also, if you have to travel to another location, sometimes the agency will cover your travel expenses.

How do I sign up?

There are lots of agencies around and you can sign up to more than one at a time. My favourites to work with were:

Beautiful Minds

N2O

Tribe (Brand Warriors)

I hope this may have helped if you’re a struggling student or even just a bit strapped for cash!

Thanks for reading,

Chanel

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