Ouu credit card debt would be fun 
I have one but it's still at the bank, a debit card lets me use it for everything I ever need and I don't get into trouble with oweing money.
Sorry, forgot off my list, phone bills (currently on a contract now with 50mins/day free for £15/month, spend maybe £1 extra and get free SMS from other phone) so approx £200 a year.
Also transport, as you say I bike it so that's good but sometimes if the weather is too bad I get the bus possibly once a week = £2.10 = £80 a year but I think i do that more often but I doubt more than £100/year. Most people I know have bus passes hence they pay a fair bit for them but my bike is quicker and cheaper If I pay for going home too, unless I book in advanced (£10 I think but not open return which is a problem because the trains can be problematic sometimes) it's £19 I think, go back say once a month max, it also brings the cost up.
I am not saying it's impossible, as you say, you do it, just it requires a lot of thought and hard work in and out of the uni term. Also, as you know, being in my first year the accommodation is at a premium cost and I also chose a very nice one (possibly the best lol) which didn't come cheap, at the time I didn't realise.
Again, I admire anybody that does do it without any parental help, I am pretty sure I wouldn't have the motivation and would currently be trialing for the police force!
I have one but it's still at the bank, a debit card lets me use it for everything I ever need and I don't get into trouble with oweing money.Sorry, forgot off my list, phone bills (currently on a contract now with 50mins/day free for £15/month, spend maybe £1 extra and get free SMS from other phone) so approx £200 a year.
Also transport, as you say I bike it so that's good but sometimes if the weather is too bad I get the bus possibly once a week = £2.10 = £80 a year but I think i do that more often but I doubt more than £100/year. Most people I know have bus passes hence they pay a fair bit for them but my bike is quicker and cheaper
If I pay for going home too, unless I book in advanced (£10 I think but not open return which is a problem because the trains can be problematic sometimes) it's £19 I think, go back say once a month max, it also brings the cost up.I am not saying it's impossible, as you say, you do it, just it requires a lot of thought and hard work in and out of the uni term. Also, as you know, being in my first year the accommodation is at a premium cost and I also chose a very nice one (possibly the best lol) which didn't come cheap, at the time I didn't realise.
Again, I admire anybody that does do it without any parental help, I am pretty sure I wouldn't have the motivation and would currently be trialing for the police force!
