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Most cyclists, perhaps surprisingly, have no kind of insurance against theft or accident, but with numbers of cyclists killed and injured on the roads increasing year on year it is worth spending that little extra for the peace of mind.

With the total cost of a degree averaging out at nearly ?29,000 per student (post-degree debts can be ?10,000 and over) it is vital to mitigate against any unnecessary expenditure. One of your first decisions as a student is to select a bank account, remembering that tempting introductory incentives may blind you to more practical factors, such as the account's overdraft interest rate - important as most students invariably built up large overdrafts during their time at university.

If you are organised, there is the potential to make some quite tidy profits through the cunning use of credit cards and those who provide them. The following is one technique that you may find effective, but it does require you not to have any previous credit card debts outstanding.