5 Ways Money Can Buy Happiness

You don’t have to be Warren Buffett to buy happiness. No matter how big or small your money-pot is, here’s 5 ways to use your money to be truly happy!

5 things to start doing in 2018

If your life is not the way that you dreamed it would be, just know that you have the power to change it by taking one small step at a time. A massive sweeping overhaul can be intimidating, but you can make real, meaningful changes in your life by tackling...

5 tips to make your loan last longer

Had a tough time balancing the books this academic year? By making some simple lifestyle changes you can get the most out of your maintenance loan, and ensure you aren’t left counting the pennies as you near the end of term. Cook from scratch and buy in...

4 Ways to Reduce Financial Anxiety

Bank balance getting you down? Cash concerns causing a headache? Nobody enjoys worrying about money, but some find it easier than others to put financial anxiety to the back of their minds. If you find yourself fretting over the state of your finances,...

Different Budgeting Styles

Made a budget but don’t know where to go next? Staring at an income and expenditure column but not sure what to do with it? Drawn a beautiful budget pie chart but can’t afford the colouring pencils to really bring it to life? If your answer to any, or all,...

Student Bank Accounts: Why you need one?

Big Banks will attempt to draw your eye to their student accounts with all sorts of flashy offers and gimmicky deals. As a conscientious consumer and Blackbullion Blog reader, you’re already one step ahead of the curve in making smart financial decisions....

Fact check: This week’s stock market insanity

Headlines are filled with panic this week after the US stock markets saw a massive sell-off leading to the UK and European markets following suit. Shares and stock markets go up and down in value every second. However, the FTSE is said to have lost...

10 Valentine’s Date Ideas On A Budget

...Because You Can't Buy Love Valentine's Day falls on a Wednesday this year. Assuming you’ve fallen prey to Cupid’s Arrow, you’ll no doubt be wanting date options that value romance over spending a fortune. Have a read at some of the inexpensive,...

Blackbullion Book Club: The Richest Man in Babylon

One of my favourite personal finance books, The Richest Man in Babylon by George Clason, uses a collection of parables to walk the reader through the foundational concepts upon which anyone can build personal wealth. Clason starts his famous book with this...

Story Of Effective Budgeting

How will reading this save me money? This article will save you money because it contains within it anecdotal evidence of the power of easy to implement budgeting from my 18-year-old self. And aid you on your path to achieving larger goals with your cash....

18 for 18

2018 New Year Resolutions. It’s that time of the year when, after excess shopping, boozing and food consumption, we all turn our attention to self-improvement New Year resolutions. Here are a few suggestions.

Christmas Jobs

Let's be honest you'd much rather chillax over the break. But you also know that working is mostly an unavoidable aspect of university so let’s get down to business. 80% of students worry about making ends meet The reality is that uni life is expensive,...

8 Tips on Booking a Holiday Next Year

Want to go on a well-deserved holiday next year but finding that your bank balance is throwing shade back at you? Don't worry. Travel can be cheap if you use some savvy tips and tricks. Here are 9 of our best tips on booking your holiday, and what to do...

How To Make Money While At University

Part time job – retail, waitressing…etc Let’s crack out the obvious. Part-time job. Quite literally a necessity for pretty much most of us. As I hit my two-year anniversary at H&M I reflect on how excited I was that I’d bagged myself a job just three...

Black Friday Extravaganza

For many, November 24th will be just another Friday, but for some it will be an excuse to take leave of their senses, and go absolutely stark raving bonkers all in the name of bagging a bargain. I am, of course, talking about Black Friday, an American...

How much tax are you paying on everyday products?

  Ever noticed how different products attract different taxes? Why are tampons and razors taxed differently in most countries? Why are condoms tax free? Why does it often cost more to eat in than to take away? What is consumption tax? Many of these...

Hardship Funds: What You Need to Know

It sounds a bit scary, doesn’t it? I mean it has the word ‘hard’ in it, so it must be complicated right? Wrong. No one wants to think about the worst case scenario, especially when you are excited about starting university, or even when you are

Scary Celebrity Money Stories

(a.k.a Celebrity Money Madness) With Halloween just around the corner, it can be a pretty scary time of year. When it comes to money, we have all had some frightening situations, but even the way celebrities choose to splash their cash can

Stoptober: Stop those bad financial habits

Ever heard of Stoptober? It’s the annual campaign to help people stop smoking. If you’ve given up, or never started, or are a happy vaper, great stuff. But hang on, October is a great time to kick other bad

Fast Fact: Credit Ratings

  Moody’s downgraded the UK credit rating – So what’s it all about? A nation’s credit rating is the same (kind of) as a person’s credit rating. If you have a good credit score – earned through some complex calculations that take into account your...

How Technology Can Help You Budget and Save

Money, money, money. We all like it, yet we still don’t have enough. Being a student can be tough on your bank balance and we totally get it. Yet there so many simple and cool ways to learn how to budget and

6 Money Mistakes Made in Fresher’s Week

Taking your debit card on nights out Stop right there and put that debit card down. Fresher’s week, everyone is new and there is always a flat throwing a pre-sesh to the sesh. So a tip; withdraw what

The latest on student debt

Student debt has been all over the news this past week and with rising inflation it is important to understand what the media is talking about and how does it affect you. ‘We need to be far more careful and far more accurate when discussing these issues.’...

10 things to start your #studentlife right

Taking control of your money   Yay! Uni is finally here (well, almost). You’ve got the tech sorted, the textbooks packed and the tequila stocked up – #priorities. But there’s just one thing you’re forgetting…oh yea! The money stuff! Don’t panic. We’re...

8 Secrets to Becoming Rich

When it comes to money, people want to have enough, or more than enough, to be able to pay the bills, take the occasional holiday and avoid needing to decide between heating and eating. But what if you want to become rich? What if you want to live your...

5 Top Tips On Travel Money

If you’re planning a trip soon, you’ll want to get the most bang for your buck when it comes to your travel money. Every year, millions of travellers are ripped off by the companies they least expect to give them a bad deal on their foreign exchange. These...

The Dunning–Kruger Effect

The Ignorance you don’t understand  David Brooks looks at why people don’t want advice… Financial advisers struggle to convince people of the benefits of their advice. They can be seen as self-serving and over-complicating the issue. While that may be true...

You do the Maths

Today’s FT declares that young people need to be saving 18% of their salaries into a pension. 18 PER CENT. Holy crap, Batman. Where on earth are we supposed to find that kind of money? Between high rent, student loan repayments, food, transport and the...

Is the World Going Cashless?

The humble cash machine celebrated its 50th birthday at the end of June. The first automated teller machine (ATM) was officially ‘opened’ by celebrity of the time, Reg Varney, star of TV sitcom ‘On The Buses’ (ask your parents!) when he withdrew £10...

Vote to become Money Smart

Much like political life the UK over the past two years, life at University can sometimes feel like a never-ending cycle of voting. What modules or electives do I choose? Which people should I move in with? Should I save money and cook, or be lazy and...

8 Tips to Travel on a Budget this Summer

If you’re planning a short or extended trip this summer, well done. You deserve it. Maybe you’re thinking of working for a bit to save some money before going away, which is the smart thing to do, of course – otherwise you might be funding the trip from...

How To Survive: Budgeting

It can be a scary and worrying experience leaving home and fending for yourself while at university for the first time. One of the biggest challenges students will endure is keeping on top of their finances. According to a recent study by ING Direct, 87%...

Risk module – awaken your inner superhero

Let’s say you’re a superhero. Let’s say you can have any number of superpowers that you want. Got them? Great. You save the planet on a daily basis from all the evils of this world and beyond. Everyone on this planet loves you, and you love doing your job....

3 things you need to know about Blackbullion

Have you received a message from your university or seen a flyer, or poster, to sign up to Blackbullion and you’re still not quite sure who we are? Well, here is what you need to know: What is Blackbullion?  Blackbullion is a learning platform created to...

Money Makes the World Go Round…

It’s been ‘all change’ in the world of money recently… In the last few weeks, the old crinkly fivers we all knew and loved were taken out of circulation, and the non-creasable, polymer, sparkly new ones became the only legal tender in town. According to...

5 Tips to Combat Exam Stress

At this time of year stress can rear its ugly head as a result of exams, deadlines, revision and all the thoughts that go along with them. Every student in the country will be stressed around now, so don’t worry if you’re feeling the pressure – it’s...

Berlin on a Budget!

Hello money saving fans, Frugal Femme here, and ready to give my two-pence worth on all things frugal. It was J’s birthday a few weeks ago, so being the lovely wife that I am, I took him away for a surprise weekend to Berlin. Back in my travelling days, I...

Time = Money

Your time at university is unique. Not just for all the friends you’ll make, drunken nights you won’t remember, essays you’ll write and independence you’ll gain. It is also likely to be the only time in your life when you’ll be paid for your spare time....

6 Money Myths to ponder about this Easter

During the Easter break, it’s easy to stray away from ‘term-time budgeting mode’ and splurge some of your student loan on a holiday or a few heavy nights-out with friends from home. While these are undoubtedly a lot of fun, you could find yourself...

An ISA, but not as we know it!!

Hello money saving fans, Frugal Femme here, and ready to give my two-pence worth on all things frugal. If you are on the Blackbullion website, then no doubt you are already a little savvy about money, and I would love to hear from you about your own top...

Inflation Rates

I’ve heard a lot about inflation on the news, but what is it actually? Inflation is basically the general level at which prices move. Inflation is when there is an UPWARDS trend in prices, while deflation is when there is a DOWNWARD trend in prices. Most...

7 Money lessons from celebs that died in 2016

David Bowie: Get creative David Bowie, one of the most influential musicians of his era died in January with an estimated net worth of £350m-£600m and, like Michael Jackson, Elvis Presley and John Lennon, his estate will continue to generate huge sums as...

Five facts you must know about your student loan

Here’s five facts you need to know about your student loan. Seriously. 1. Your loan is cleared 30 years from the April after graduation or when you fully repay your loan, whichever comes first. This means, if you’re a low-earner or don’t even meet the...

4 things that will totally change your life in 2016

You’ve done it before – made New Year’s resolutions with every intention of keeping them over the course of the following year, but found yourself breaking down and reneging on them within a month. Sometimes the problem is simply that you have made far too...

7 Ways to save money this Christmas

It’s the holiday season once again, and with the lead up to Christmas comes the inevitability of a drained bank account, a maxed out credit card and the conviction that ‘next year you won’t spend so much!’ This year, follow through on that promise – here...

Highway to the dangerzone: Payday loans

Our survey showed that 25% of students have used payday-lending companies.  With ever more of these companies – some specifically targeting students overtly or covertly on campus how can you make a more informed decision about short-term, high-interest...

19 ideas for a cheap weekend

Battleshots For the price of two pizzas and a bottle of something you too can participate in war games this weekend. Get everyone to bring a bottle. Admittedly this is not our idea… but we love it! There are plenty of hilarious drinking games out there....

Why your debt is a pile of snow

Watching in awe the weather in Buffalo (rock n' roll!) we were inspired to share this piece with you about snow and debt and how similar they are Look at all that pretty white powder, kids sledding and lovely fashion. Ah snow... we love you so. And then...

The only 3 recipes you need at uni

They call it the food graveyard but we call it the best way to minimise waste and maximise the value of every pound you spend on food. Students don’t use the freezer, but it’s not cos they don’t want to, lots of students don’t know how to do it safely. We...