Opiskelijan tulot, menot ja työnteko

Minä: Samuli Korhonen, ympäristö- ja elintarviketalouden fuksi eli ensimmäisen vuoden opiskelija.
Opintosuunta: Ympäristö- ja luonnonvaraekonomia
Valinnaiset opinnot: elintarviketalous

Monia opiskelijoita varmasti mietityttää oma taloudellinen tilanne opiskelujen aikana. Tämä on mielessä niin nuorella, joka muuttaa ensimmäistä kertaa omaan kotiin, kuin vanhemmalla opiskelijalla, joka tulee opiskelemaan työelämäjakson jälkeen. Itse lukeudun jälkimmäiseen ryhmään. Opiskelijan elämä mielletään usein pelkäksi puuron ja nuudelien syömiseksi, mutta hyvällä suunnittelulla tämä voidaan helposti välttää.

Välillä pitää venyttää penniä

Kun hyppäsin jälleen opiskelijaksi viime syksynä, olin päässyt tottumaan työelämän vakaaseen tuloon. Olin ollut opiskelija aikaisemminkin, mutta tehnyt paljon töitä opiskelujen ohessa. Opintotukikuukaudet eivät olleet juurikaan päässeet minulla kulumaan. Yliopisto-opintojeni alussa päätin, että tällä kertaa hyödynnän tuet niin täysimittaisesti, kuin se on suinkin järkevää.

Mistä opiskelijan tulot koostuvat? Tulon kolme tukijalkaa ovat (ainakin minulle): opintotuki, opintolaina ja palkka. Näiden kolmen avulla opiskelija voi saavuttaa kelvollisen tulon. Opintotukea saa 225€/kk, opintolainaa 650€/kk tai ansiotuloa saa olla enintään 667€ tuellista kuukautta kohden. Tästä muodostuu kokonaisuudessaan ihan kelvollinen summa.

Opiskelijan menojen koostumus varmasti vaihtelee paljonkin. Itselläni eniten rahaa menee asumiseen ja ruokaan. Asumismenot ovat minulla n. 40% ja ruokakulut n. 17% kaikista menoista.

Yritän olla menojeni kanssa tarkkana ja tarkastella niitä kriittisesti. Olen huomannut, että omasta taloudellisesta tilanteesta kannattaa aina olla itselleen ehdottoman rehellinen. Varsinkin silloin, kun on tiukkaa.

Säästän, että voin välillä herkutella.

Minulla ei ole mitään sentin tarkkaa budjettia menoilleni. Yleensä rytmitän rahankäyttöäni hiukan tarkemmin parin viikon jaksoissa. Opintuen tullessa tilille kuun alussa, arvioin mihin kaikkeen tarvitsen rahaa tulevilla viikoilla. Toistan saman saadessani palkan kuun puolivälissä. Kun tuntuu, että rahaa kuluu ihan huomaamatta, on hyvä käydä läpi omat menot tarkemmin läpi.

Opiskelijankin kannattaa säästää. Toisinaan opiskelujen ohella on hyvin aikaa käydä töissä ja toisinaan ei. Silloin kun lukujärjestys on väljä, yritän tehdä töitä niin paljon, että saan säästettyä kiireisempien aikojen varalle. Näin pystyn keskittymään tarvittaessa täysillä opintoihin ja olemaan ajoittain kokonaan poissa työelämästä. Parhaiten aikaa työnteolle on kesällä ja joulunaikaan. Säästämällä saat ostettua itsellesi vapaa-aikaa. Kun rahoja ei polta heti, voi niistä nauttia vapaa-ajan muodossa sopivana ajankohtana.

Opiskelijan taloudenhoitoa tulee mielestäni katsoa tarpeeksi pitkällä aikajänteellä ja varautua tuleviin kuukausiin. Opintoja suunnitellessa kannattaa huomioida, milloin voi tehdä töitä niin, että se ei häiritse opiskelua. Itse teen töitä opintojen ehdolla ja uskon, että se on pitkällä aikavälillä kaikkein kannattavin ratkaisu.

85 Replies to “Opiskelijan tulot, menot ja työnteko”

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  6. By way of introduction, I am Mark Schaefer, and I represent Nutritional Products International. We serve both international and domestic manufacturers who are seeking to gain more distribution within the United States. Your brand recently caught my attention, so I am contacting you today to discuss the possibility of expanding your national distribution reach.We provide expertise in all areas of distribution, and our offerings include the following: Turnkey/One-stop solution, Active accounts with major U.S. distributors and retailers, Our executive team held executive positions with Walmart and Amazon, Our proven sales force has public relations, branding, and marketing all under one roof, We focus on both new and existing product lines, Warehousing and logistics. Our company has a proven history of initiating accounts and placing orders with major distribution outlets. Our history allows us to have intimate and unique relationships with key buyers across the United States, thus giving your brand a fast track to market in a professional manner. Please contact me directly so that we can discuss your brand further. Kind Regards, Mark Schaefer, marks@nutricompany.com, VP of Business Development, Nutritional Products International, 101 Plaza Real S, Ste #224, Boca Raton, FL 33432, Office: 561-544-0719

  7. By way of introduction, I am Mark Schaefer, and I represent Nutritional Products International. We serve both international and domestic manufacturers who are seeking to gain more distribution within the United States. Your brand recently caught my attention, so I am contacting you today to discuss the possibility of expanding your national distribution reach.We provide expertise in all areas of distribution, and our offerings include the following: Turnkey/One-stop solution, Active accounts with major U.S. distributors and retailers, Our executive team held executive positions with Walmart and Amazon, Our proven sales force has public relations, branding, and marketing all under one roof, We focus on both new and existing product lines, Warehousing and logistics. Our company has a proven history of initiating accounts and placing orders with major distribution outlets. Our history allows us to have intimate and unique relationships with key buyers across the United States, thus giving your brand a fast track to market in a professional manner. Please contact me directly so that we can discuss your brand further. Kind Regards, Mark Schaefer, marks@nutricompany.com, VP of Business Development, Nutritional Products International, 101 Plaza Real S, Ste #224, Boca Raton, FL 33432, Office: 561-544-0719

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  10. By way of introduction, I am Mark Schaefer, and I represent Nutritional Products International. We serve both international and domestic manufacturers who are seeking to gain more distribution within the United States. Your brand recently caught my attention, so I am contacting you today to discuss the possibility of expanding your national distribution reach.We provide expertise in all areas of distribution, and our offerings include the following: Turnkey/One-stop solution, Active accounts with major U.S. distributors and retailers, Our executive team held executive positions with Walmart and Amazon, Our proven sales force has public relations, branding, and marketing all under one roof, We focus on both new and existing product lines, Warehousing and logistics. Our company has a proven history of initiating accounts and placing orders with major distribution outlets. Our history allows us to have intimate and unique relationships with key buyers across the United States, thus giving your brand a fast track to market in a professional manner. Please contact me directly so that we can discuss your brand further. Kind Regards, Mark Schaefer, marks@nutricompany.com, VP of Business Development, Nutritional Products International, 101 Plaza Real S, Ste #224, Boca Raton, FL 33432, Office: 561-544-0719

  11. I operate a vape store directory site and we have had a listing from a vape shop in the USA that also offers CBD goods. A Month later, PayPal has contacted use to say that our account has been limited and have requested us to take out PayPal as a payment method from our vape store directory site. We do not offer for sale CBD product lines such as CBD oil. We solely offer marketing and advertising professional services to CBD firms. I have looked into Holland & Barrett– the UK’s Top Health Retail store and if you take a close look, you will see that they offer for sale a comparatively considerable series of CBD products, primarily CBD oil and they also happen to take PayPal as a payment solution. It emerges that PayPal is employing double standards to different companies. As a result of this limitation, I can no longer accept PayPal on my CBD-related online site. This has constricted my payment options and presently, I am seriously reliant on Cryptocurrency payments and straightforward bank transfers. I have gotten in touch with a barrister from a Magic Circle law office in London and they said that what PayPal is undertaking is entirely against the law and discriminatory as it should be applying a systematic standard to all companies. I am yet to seek advice from yet another legal representative from a US law practice in The city of london to see what PayPal’s legal position is in the USA. In the meantime, I would be extremely appreciative if anybody here at targetdomain could provide me with alternative payment processors/merchants that deal with CBD companies.

  12. I operate a vape shop web directory and we have had a posting from a vape store in the United States that likewise offers CBD product lines. A Calendar month later, PayPal has written to use to claim that our account has been limited and have asked us to remove PayPal as a payment solution from our vape shop directory. We do not offer CBD goods such as CBD oil. We simply offer web marketing services to CBD firms. I have had a look at Holland & Barrett– the UK’s Reputable Health Retailer and if you take a good peek, you will witness that they offer for sale a relatively substantial variety of CBD products, specifically CBD oil and they also happen to accept PayPal as a settlement solution. It seems that PayPal is employing contradictory standards to many different firms. Due to this restriction, I can no longer take PayPal on my CBD-related website. This has restricted my payment possibilities and presently, I am seriously dependent on Cryptocurrency payments and straightforward bank transfers. I have spoken with a lawyer from a Magic Circle law office in The city of london and they stated that what PayPal is undertaking is entirely not legal and discriminatory as it should be applying an uniform criterion to all firms. I am still to consult one more legal representative from a US law office in The city of london to see what PayPal’s legal position is in the United States. In the meantime, I would be highly appreciative if anyone here at targetdomain could provide me with different payment processors/merchants that work with CBD firms.

  13. Does anyone know what happened to Dimepiece Los Angeles celebrity streetwear brand? I am unable to check out on Dimepiecela site. I have read in Marie Claire that the brand was bought out by a UK hedge fund for $50 m. I have just bought the Dimepiece Death Metal Unisex Heavy Blend™ Hooded Sweatshirt from Ebay and totally love it xox

  14. I was wondering if anyone knows what happened to Dimepiece LA celebrity streetwear brand? I am unable to check out on Dimepiecela site. I have read in The Sun that they were bought out by a UK-based hedge fund for $50 million. I’ve just bought the Dimepiece Remember Why Unisex Heavy Blend™ Hooded Sweatshirt from Amazon and totally love it xox

  15. Does anyone know what happened to Dimepiece Los Angeles celebrity streetwear brand? I am unable to proceed to the checkout on Dimepiecela site. I’ve read in Cosmopolitan that they were acquired by a UK-based hedge fund in excess of $50 million. I have just bought the Dimepiece Control the Guns Not Women’s Bodies Cuffed Beanie from Ebay and totally love it xox

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  17. By way of introduction, I am Mark Schaefer, and I represent Nutritional Products International. We serve both international and domestic manufacturers who are seeking to gain more distribution within the United States. Your brand recently caught my attention, so I am contacting you today to discuss the possibility of expanding your national distribution reach.We provide expertise in all areas of distribution, and our offerings include the following: Turnkey/One-stop solution, Active accounts with major U.S. distributors and retailers, Our executive team held executive positions with Walmart and Amazon, Our proven sales force has public relations, branding, and marketing all under one roof, We focus on both new and existing product lines, Warehousing and logistics. Our company has a proven history of initiating accounts and placing orders with major distribution outlets. Our history allows us to have intimate and unique relationships with key buyers across the United States, thus giving your brand a fast track to market in a professional manner. Please contact me directly so that we can discuss your brand further. Kind Regards, Mark Schaefer, marks@nutricompany.com, VP of Business Development, Nutritional Products International, 101 Plaza Real S, Ste #224, Boca Raton, FL 33432, Office: 561-544-0719

  18. Does anyone know what happened to Dimepiece Los Angeles celebrity streetwear brand? I am having trouble to check out on Dimepiecela site. I’ve read in Cosmopolitan that the brand was acquired by a UK-based hedge fund in excess of $50 m. I have just bought the Dimepiece Fire & Desire Case Mate Tough Phone Cases from Ebay and totally love it xox

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