Discussion about all the financial aspects of life - from bank accounts, overdrafts and budgeting to tax, savings and investments. For discussion about student loans, grants, and bursaries please use the Student Financial Support subforum . The title says it all really. I have more than enough money for uni (I have a budget of 200 a week after accommodation) as well as support from relatives. Is it advisable to get a student bank account anyway in case my situation changes next year? Or would I be able to get one if things get hard? Also, I'm not keen on the idea of getting one because I feel like a 1000+ overdraft would tempt me to start spending my money on silly unnecessary things! Although you have a good budget weekly, are you living at home or in halls? Some accommodations require an installment (usually a large amount) before many people get their student loans, hence why an overdraft is a good thing. ( Originally Posted by flown_muse ) You don't have to, but there are many reasons why it is a good idea. Although you have a good budget weekly, are you living at home or in halls? Some accommodations require an installment (usually a large amount) before many people get their student loans, hence why an overdraft is a good thing. Nope I've spoken to my uni and they've said I can pay the first part of my accommodation as soon as my loan comes in, and the