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As a student, money can be pretty tight. The gap between payday and that lovely little loan coming in can be interminable. So when you want to save time by throwing the coffees all on one card, or ordering everyone’s takeaway at once for movie night, you come to realise that no one is really going to pay you back unless you keep reminding them, and it can be pretty damn frustrating.
But you know what’s more frustrating? When you’re that friend.
You promise you’ll pay them back asap, or that you’ll buy them a drink when you’re next around. You mean well. You’re not a bad person. Things just get in the way and the thought of fiddling around with sort codes and account numbers is just too much to handle. You’re a student, your life is a mess of hangovers and essays and there isn’t a spare minute to sort out a new transfer contact.
I get it. You’re a busy busy person and haven’t got time to remember things like the odd fiver here and there. I really get it.
I’ve been that person a thousand times. The number of ‘drinks’ I owe people is astounding.
Lately, I’ve discovered something really cool. Something that has turned me from ‘that friend’ to a trustworthy, money-smart goddess. Something that you don’t even have to think about because it’s as easy as sending a message.
The best part is that you already have it, and don’t even know it – no need to head into the app store and waste precious selfie space on your phone.
Built into your banking app is a little thing called Paym. Paym is a mobile payments service that gets rid of the hassle of sort codes and account numbers. It’s safe and secure, as your bank already uses it, and all you need to do to get involved is register your mobile number with your bank or building society – hit up the Paym website for more details. Because it’s just an extension of your banking app, it doesn’t affect your phone bill or anything like that. It’s a lifesaver.
To find it, simply open your banking app and have a look for the option of paying a mobile contact’ Depending on who you are with, your app may call it something different, but it’s all run by Paym. I told you – you already have it there and waiting to be used!
Gone are the days of ‘send me your account details and I’ll get right on it’ and then you forget immediately. If you have their phone number, you can send them the money you owe them as easy as sending a text. Sign yourself up, make sure your pals are all signed up, and we’re good to go!
You don’t have to be that friend anymore. You don’t have to be torn with guilt about that little bit of money you owe your friend for that coffee, or that pizza, or even those flights. I’m looking out for you – I have your back. I want to make you a better friend and a better person.
And, as I say, you have Paym already. It would be a shame to waste it, really. x
– thanks to Luke Titmuss for helping me with these lovely shots –