Scams come in all shapes and sizes, through text, call, email…you have to be vigilant. They could pretend to be your doctor, school or even bank.

1. Install antivirus software and activate it.
2. Don't click on links from anyone you don't know or trust.
3. Don't give out personal information unless you know you trust the person receiving it.
4. Never pay to enter a contest, apply for a scholarship, or get a job.
5. Spelling or grammar errors are usually a good way to tell.

Student loans can include a Tuition Fee Loan and a Maintenance Loan to help with your living costs. Tuition Fee Loans cover the full cost of your course, are paid directly to the course provider, and you won’t have to pay it back until after your course, when you’re earning above a certain level. Maintenance Loans can be applied for at the same time. How much you get depends on your household income, where you study, where you live, and how long for. Students can apply for grants if they’re eligible for certain benefits, disabled, or need help with childcare costs.

What: National Insurance is a tax on earnings and self employed profits. Who: National Insurance is paid by employers, as well as employees and self-employed workers. Why: You'll need to pay into National Insurance for a set number of years to be entitled to receive the state pension and it will entitle you to some state benefit. How: If you are a UK national, you should receive an NI number (and NI card) automatically before you turn 16. If you're employed, National Insurance is automatically deducted from your monthly pay.

Be a saver — it’s never too early to start. Having a savings account is the most reassuring thing you can do for yourself financially, at a young age.

Sort out needs vs. wants. Budget for the fun things but sort out the cracked phone screen before buying new shoes.

Never start the month without a plan, you may think it’ll be fine for just one month but that’s where it’ll start to spiral.

List all of the things that need to be paid and plan around it!

It is important to know how your personal bank account works, whether it is a select or a savings account. It is good to know if there are fees for going below the minimum balance, or if an ATM is going to charge you to take money out.

Even learning how to write checks (even if you think you won’t ever need them) is a good skill to have.

Every bank branch will have someone who can sit and explain your account and all the rules that come with it, this is so worth doing at the start to save hassle later!

Align your goals with your spending habits by dividing your wage into three sections: 50% - goes on essentials like food, rent, bills and commuting. 30% - on any hobbies, eating out or shopping 20% - goes into a savings pot, emergency fund or investments

Having a ‘side hustle’ can be a great way of earning some extra money, even if your full-time job is your main source of income. Make sure you complete your tax service every year and don’t let your ‘side hustle’ distract from your day job. Here are some ideas: Food delivery services, Blogging, Tutoring, Car rental services, Selling artwork. and Ridesharing.