“How can higher education students in Norway survive on a low student budget?”

“How can higher education students in Norway survive on a low student budget?”

We want to explore what kind of information is available for students in helping them planning their budgets, and staying on their budgets.

Our goal is to find easy and fun ways to save money, while still being able to enjoy life as a student. There is a lot of information available, and we want to make sure that the students easily can access the most relevant information for solving their problems.

The Keywords that we have used are “poor students”, “student savings”, and “student budgets”. We translated these keywords to norwegian, because we found that the literature available is more relevant to our problem in norwegian. We found many blogposts and news articles, but we didn´t find any relevant scientific research. However, all of the literature that we found is very relevant.

KEYWORDS:

Poor Students (fattige studenter), Student saving (Student Sparing), Student Budget (Student budsjett)

We went searching for our keywords on google, and found a lot of relevant content. We didn´t find any scientific research, but mostly blogs and news articles. All of this content answers our question, and is very helpful for students.

 

https://www.dnbnyheter.no/privatokonomi/20-essensielle-tips-til-studenter/

This information flow is about how students can use these tips to get a better economy as a student. It is many things a person can change to get better economy and as a student its very important to have good economy.

We chose this source since DNB is a bank so the facts come straight from the bank and they know what they are talking about. they have experience with other students for many years and they know how things go with those students who do not save. when you are a student you start life as an adult and lay the foundations for the economy after study hours as well. If you have good finances and are good at saving when you are a student, you will also do better afterwards when you go to work.

The source is laid out in a straightforward way so it is easy to anticipate and accomplish the goals they have set. Since there are so many goals in the article it is easy to choose the ones that are best for themselves.

since the source is trustworthy and easily accessible I think many will use it when looking for advice. at least I would have used this if I was unsure of my finances.

seems nothing needs to be improved as it is a good source that works properly. the information about saving is disseminated and it is easy to get what is written in it without any unnecessary image usage or other things that should not be there.

http://www.matnatprat.no/2017/11/20/guide-til-sparing-som-student/

This article has written about specific tips on how to save and what to save money on and that is the information flow. There are various graphs that help to understand better. It is also divided into categories of savings that make it easier to see what good savings is, better savings and the best way to save.

That said, there are concrete examples of how to save when buying a PC, how to save as much as possible on that purchase, which can be very helpful.

this is a relatively short article, but it communicates what it should and the points come out well. there is also no unnecessary image usage as this is not necessary in an article like this.

https://www.dnbnyheter.no/privatokonomi/slik-overlever-du-pa-studentbudsjett/

The main elements of this information flow are information for students about how to save money. It talks about the connection between planning and saving, and how being a thorough planner when it comes to your economy will make it easier to save money and have control. The article focuses a great deal on how you can limit yourself, in order to save money. Limiting your phone and electrical use, and also limiting how much you spend on fun stuff.

There are no challenges in this information flow, and it´s very easy to read and understand. The information for the students in this article is very good and informative. Therefore, there is not anything that needs changed for this information to better achieve it´s goal. However something that could be improved is that not all students are able to limit their spending, maybe they have certain monthly fees that must be paid, and therefor this information would not necessarily be relevant to these student. This information flow doesn´t use any digital tools, such as quizlets or videos.

https://www.side2.no/aktuelt/her-er-budsjettet-alle-studenter-bor-fa-med-seg-4649548

The main elements of this information flow are how students can save money, and still be able to be social and have time for parties. It talks about the importance of having a small job next to your studies, and how you should save most of the big first-time payment you get from Lånekassen. By doing this the article states that you can use some of that money later if you need it, and for books and the semester fee.

The challenge with this information is that not every student is able to have a job or save most of the first big payment. The information could therefore be improved by being more general for every kind of student. For example, many studies are too challenging to be able to hold a job as well on the side, and that makes it impossible to work and study at the same time.This article uses digital tools such as videoes, to help convey their message.

https://www.dn.no/studentliv/utdannelse/her-er-10-sparetips-fra-en-erfaren-student/1-1-5161261

This articles main elements, is telling about a student who studied economics. And how she tried to make a brief list to other students on how to save money. The text also tells us about how much a student can get in loan per semester. And how the amount is a bit small compared to what a student can live on.
It tells us about what the economic student tried out; when she lived on a student loan. In the article, she gives us some brief tips about a students best ways to save up. The girl tells us that the most important thing to do as a student, is to get a grip of how much money comes in and how much goes out from your bank account.

The challenges for this information flow is that not everyone reads the web-page. And to get to it, you need to search for a specific topic.
The text is very informative, but it could give us for example a link to what more the economist has to say about the topic. Or tell more about the girl student mentioned in the text.

This information flow doesn’t use any digital tools, such as quizzes or videos.

https://www.isic.no/studentliv/8-sparetips-for-fattige-studenter/

The main elements of this information flow is to help students with saving when they get their student loan. It tells about the importance of saving, but at the same time try having fun. The article tells us tips about how to save up your student loan for a bit longer. Like sharing dinner with friends, or walking/biking instead of taking the bus, and other transportation.
It also gives us links to other good pages to have a look at.

The challenges to this information, is that not everyone know about ISIC. Or have the possibility to save all of their student loan. Because they might need to use it to pay of rent etc.
The information we get from this site, could be improved by telling more about ISIC and what it does. More about how, and why it can be cheaper to study abroad. Or show how you can use ISIC in Norway and what it is good for, so more people may be interested.
This information flow doesn’t use any digital tools, such as quizzes or videos.

https://kristiania.no/blogg/fattig-student-moter-fattig-student/(blogg)

This information flow is an article about a poor student telling us how she managed to live a healthy lifestyle as a poor student. In this article we meet an influencer with a large social media following, where she shares her weekly menu to her followers.

This source is very relevant for us because we get an insight in how students themselves manage to live as a poor student.

The challenges for this information is that not everyone likes the dishes she recommends.

https://www.dnbnyheter.no/privatokonomi/slik-sparer-karen-21-store-summer-pa-mat/ (Nyhetsartikkel)

This information flow is an article from DNB, which makes it a reliable and relevant source. In this article we get insight in a students shopping list and how she spends as little money as possible. In the article she also shares her recipe and how to make her dishes.

The challenges with this information is that the menus are very small for some students. The article also only shows how she uses little money on dinner, but not any other meals you need during the day.

https://studenttorget.no/index.php?artikkelid=9918

 

This information flow is based on a study which shows that only three in ten students save money when they’re studying. A consumer economist in the company that concluded the study, expresses the need to and possibility for everyone to save money. Even though they might be on a tight budget or they think they don’t have any money to spare.
Further the article explains steps students can take to get a higher income or decrease money spent on unnecessary things.

Challenges with this information flow is that it’s only very generic advice and doesn’t explain very specific ways to save money or create a budget.

The page does not have any digital tools either, but it’s a known page for and among students. Easily accessible. It also has an easy article categorization system.

 

https://studenttorget.no/index.php?artikkelid=12817

 

This information flow is mainly created by a consumer economist and explains very well how to make a students life and economy better. It starts of with explaining that everyone should have a job while studying, even if just a few hours a week, to help the quality of life as a student over the whole course of the education.
The article has a budget example visually showing what it may look like. Students can use it as a base for a budget fit for their income and needs. Then it lists some key points that is important to avoid. Like paying bills on time and not spend too much money with a credit card in hopes to pay it down later down the road.
The challenges with this information flow is for students to get an overview of their income and expenses and what they need to do to create a budget that fits them.
The information flow also has too much clutter with distracting ads.

Same as above the information flow doesn’t have any digital tools to help students directly.

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