As a student that goes to Sheffield Hallam university, one of my main problems is looking after money and concerned if I will have enough by the end of the week. As a student you have to look after yourself, meaning pay for food and drinks, washing, any spare utensils, going out and any memberships such as gym. Having all this to look after with no help before coming to university is a struggle, because sometimes you may not be able to afford socialise or certain food or drinks as you may have limited funds. This is a problem including memberships as I like to keep fit by going to the gym, however if I am barely affording food, I will not be able to afford a membership to the gym meaning I will not get in exercise and lose motivation. Also with Santander, a popular student account, they increased my overdraft from £250 to £1500, having this for a student is a concern as it can influence you more to go into your savings. I have not touched my savings and I hope in the future I don't need to but for many other students, I have heard they have, and this can affect credit score and worries them as, due to the pandemic, we can't really get any jobs. A saving tip which has helped me balance my money, is learn to cook, as cooking from fresh, you can purchase fresh food for really cheap and make 2/4 meals with it, for only costing less than £10. Doing this means you will have money for alcohol, memberships and to go out. If you also limit the amount you spend on takeaways, it will also save your money. Another tip is, to not touch your savings as I see it as not your money.