Work & income
Assessing a student job by usable income
A job does not improve your student budget by its full advertised gross wage.
Work & income
Connect working hours, pay dates and study commitments.
Work & income
Matching working hours to classes
A work schedule fits university only when preparation, travel and rest also fit.
Work & income
Planning for the first payday
Starting work and receiving the first wage are separate dates.
Work & income
Working-student jobs: questions for payroll and insurance
The label “Werkstudent” in a job advert does not answer every question about payroll and health insurance.
Work & income
Tracking a mini-job alongside other income
When you have several income sources, it is not enough to consider each job as a small amount on its own.
Work & income
Spreading holiday-job earnings across the term
A holiday job can provide money for several months of study.
Work & income
Budgeting early for an unpaid required placement
An unpaid compulsory placement can affect your finances in two ways: it creates new expenses and may reduce income from an existing student job.
Work & income
A paid placement in another city
A paid placement in another city cannot be assessed from its salary alone.
Work & income
Planning a cash buffer for freelance work
Freelance work can offer flexibility, but its cash flow differs from a regularly paid student job.
Work & income
Responding to a lost student job
Losing a student job does not always change the budget by the full amount immediately.
Work & income
Funding fewer work shifts during exams
Reducing shifts for examinations does not have to be funded only in the examination month.
Work & income
Organising payslips and employment contracts
Employment contracts and payslips are easier to use when organised by job and period.
Work & income
Including commuting costs in a job decision
Commuting to a student job costs more than time.
Work & income
Planning before spending a pay rise
A pay rise can ease a student budget, but plan around its actual effect rather than its announcement.