Wow!! Get £10 Bitcoin completely FREE instantly from Luno with NO SPEND needed for new customers!! Don’t miss out!! (UK Only)

Luno are giving people in the UK £10 completely free with no deposit needed to people who are new to Bitcoin and want to get into it. Totally free £10 Bitcoin!

Have you thought about getting into Bitcoin but weren’t sure about how it works? Thought it was too confusing to get into? Well you can get started with a free £10 Bitcoin to help you get started on your Bitcoin journey with no obligations at all!

You can even earn interest on your Bitcoin if you choose to!

You just need to want to get into Bitcoin, be in the UK, over 18 and have ID! That is it!

1. Use the website or download the app and register https://www.luno.com/en/signup

2. Verify ID

3. Enter code BPHWRIGHTin the rewards page

4. Get £10 of Bitcoin instantly

When you sign up if you tick yes to receiving emails, you can get information and tips and also details on free webinars which are well worth attending.

I would recommend saving the £10 for future rather than checking the value every few days.

You can also earn interest on your crypto if you open a savings wallet which is free! You would do this step after completing the steps above.

Bitcoin is something that is really good to get into and a free £10 helps you get you on your journey.

There is no catch and the £10 is totally free. The idea is they want to get more people into Bitcoin and this way lots of people can get involved and get £10 free Bitcoin to start their journey.

If you need more help signing up, there is another step by step guide here: https://medium.com/original-crypto-guy/how-to-set-up-a-basic-bitcoin-wallet-73f46c612a3c

Or feel free to send me a message if you still need help and I will gladly help you!

Just remember you have to be in the UK to sign up. This offer is purely for the UK.

Once you have joined I think you should learn more by checking out these wonderful FREE events with more info for newbies or not so new people on Bitcoin! You can learn a lot at no cost to you. Check them out now: https://medium.com/original-crypto-guy/upcoming-events-by-jason-deane-aea187d03a10

Budgeting as a College Student: Comparing My Undergrad vs Graduate Spending Habits + Tips

My budgeting as an undergraduate and as a graduate student is very different.

As an undergraduate, I didn’t really know much about budgeting, finance, credit cards, or anything. Quite honestly, I was just… broke. My parents did not give me a monthly allowance (they couldn’t afford to!) and I had a part-time work-study job that gave me some income, but I always limited myself on buying things. Truthfully, I didn’t really need to buy things: I had a meal plan for half my undergraduate time, and living in the college dorms meant that the university would fix my light bulbs and have vacuums for us, etc. During my junior and senior years (when I lived off-campus), that’s when I started to spend a bit more money: on groceries, eating out, and random things like batteries. Overall though, I look back and I’m grateful for how strict I was with my spending. I think I’d only spend $100-$300 a month maximum on my credit card.

As a graduate student, this is much different. Although, COVID is a big factor here as well: my first year of graduate school was 100% virtual so I stayed with my parents and did not need to pay rent. And at the height of the pandemic (AKA all of 2020), everyone, including myself, stayed inside and as a result, I hardly spent any $. I saved a SHIT TON of money during my first year of graduate school. My second year of graduate school is in-person but because of my scholarships/funding, I’m very humbled to admit that budgeting isn’t a super necessary thing for me.

But still, I compare my spending habits from undergrad to graduate, and I’m shocked at the differences. I know I’m older now, and there’s COVID, and etc. But I spend a LOT more as a graduate student. I think it may be because I used to work full-time for a couple years so I got used to a standard of living.

This post doesn’t really have much substance except to conclude with:

1. Make sure you keep track of your spending habits! At the bare minimum, I’d recommend using the Mint Mobile app for finances. I’ve used it since undergrad and it’s nice to have all of my accounts linked and for me to easily see where I stand.
2. Consider investing. I have another post here that talks more about financial tips. There are three rules to investing: start early, make regular contributions (literally could be $20 a month… better than nothing!), and don’t touch the money.
3. Spend wisely. Who cares about clothes, material possessions, etc when you can spend it on EXPERIENCES? That’s my recommendation. And if you DO buy clothes/etc, buy QUALITY items and shop during sales. Shop smartly.

That’s all for now!

If you’re in your 20s, here are some quick, basic financial tips!

I’m no expert at all so of course do your own due diligence. But here’s what I wish I would’ve known earlier:

1. Subscribe tor/personalfinance on reddit. This sub is FULL of extremely helpful information, including a literal step by step guide of how to handle $, as well as information of what to do when you’re at certain ages. This was my first resource when I became serious about my finances!
2. Make sure you have at least one credit card, so you can start building credit. The earlier, the better. Be responsible with how you use this card, obviously. There are great “starter” credit cards so look to see which one is the most appealing for you! A good age to get a credit card is the summer before college starts.
3. Create a high-yields savings account. A high-yields savings account has an extremely higher interest rate than a standard savings account. For example, Ally Bank is at 0.50% and Bank of America is at a measly 0.01%. Take time to review how you want your money organized and stored, but I’d highly recommend having a “standard” savings account and a high-yields savings account.
4. Open a traditional IRA or ROTH IRA account and contribute what you can. Do your research independently to see which account is best for you. And then start contributing whatever you can. Time is on your side, friends! Even if you can only contribute $50 a month (or a one-time payment), it’s better than nothing! The #1 tip for investing is to start early because of the compounding interest.
5. Open a brokerage account and contribute what you can. Similar advice as the point above. Personally, I would contribute the maximum limit for the IRA account (if I could), before contributing to my brokerage account.
6. Try to minimize your debts as much as possible! Apply to as many scholarships as you can. To help pay for college, consider working part-time while balancing your coursework: it’s pretty common but obviously know your limits! If you’re too stressed out, it’s likely not worth the juggle. Live frugally until you pay off your debts (and honestly, even after).