17. When you’re going out for the night. Take just as much as you need, or want to spend. It’s very easy to have a few more beers when you’ve already had a few.

18. Clubs and stuff, almost all charge a joining a fee or pay-as-you-go. They are excellent for meeting people, blowing off steam, getting invites, finding something to take your mind off your subjects for an hour or two. But they can have a scary impact on your pocket. Whilst you may want to try climbing, sky diving, hockey and archery, stick to a few you know you’ll like and will be able to keep up with. You won’t have time for all of them anyway.

19. Live your first year as best as you can, you’re only a fresher once.

20. The ''B'' word .. When you have a fat student loan in your bank balance, the easiest thing to do is spend it, it’s just sitting there itching to be used. Don’t. (Or starve) There’s this word you’ll know very well by the time you leave University ''Budget''. Plan ahead so you don’t end up with too much debt. Sit down and work out what you’ve got coming in, what has to go out, rent etc. If there’s anything left over divide that by how many weeks until the next cheque clears. Then half that; you will need panic money some way down the line. Remember there’s always stuff you’ll need that you don’t put in the budget, stuff you just overlook - shampoo, photocopying, and toothpaste.