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If you're a student or working in education and have an academic email address that can receive external email, you may be able to get a couple of decent freebies from Microsoft.
Free Microsoft Office
What do you get? The ability to download the entire Office software suite – including Word, Excel, PowerPoint, Outlook, OneNote, Publisher and Access – on up to five PCs or Macs (the last two are on PC-only).
Who can get it? Students and staff at universities, colleges and schools which have an institution-wide licence for Office through the Microsoft Volume Licensing programme. Microsoft says 99.9% of universities, 87% of colleges and a "large number" of schools in the UK are eligible.
How do I get it? Enter your academic email address on the Office website. You'll be asked to log in through your institution's online portal and if you're eligible, you'll be redirected to a page where you can download the software.
1 Terabyte (TB) free online storage
What do you get? A whopping 1TB of free online storage (1000 gigabytes) through OneDrive (others now only get 5GB free) and use of collaborative platforms like Yammer and SharePoint.
Who can get it? Again, this is aimed at students and staff with an academic email address, though the university, college or school doesn't have to have licensed Office as above.
How do I get it? Enter your uni, college or school email address on the Office website. You'll be asked to log in through your institution's online portal, then follow the instructions.
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Before spending
If you answer 'NO' to any of the following questions, don't buy.
Skint? Ask:
- Do I need it?
- Can I afford it?
Not skint? Ask:
- Will I use it?
- Is it worth it?
Free protection for all shopping!
There's a little-known piece of legislation that turns any credit card into a financial self-defence superhero. 'Section 75' of the Consumer Credit Act means your plastic must protect anything you buy for more than £100 for free, so if there's a problem or the company goes bust, you can still get your money back.
And although Section 75 doesn't apply to debit cards, there is something else to fall back on if you've paid using a debit card, or used a credit card for a purchase under £100. Known as Chargeback, this is part of banks' and card companies' internal rules and not a legal requirement. Read full details of Section 75 or Chargeback, plus how to claim, in our guides.
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