It’s cold, bleak, and exams have stolen your soul...

It's hiding somewhere in the dust and misery of the library...

There is only one way to warm up in this season of winter and that’s by burning a flipping big hole in your pockets!

That’s right, your loan's dropped and there are lots of creative ways to make the bank accountant or folks back home groan…

1. Like, abandoning all your responsibilities for a week… For a mere £1,150 why not employ your own executive PA? That’s right, cheaper than a second hand Jaguar XJ or a terraced house in the 1920’s - they'll pay the bills, sort out your wardrobe and even water that cactus you bought in Freshers week!
2. Become a footballer! (for a fortnight) - For just £1,100, you can live a Premier League lifestyle. Rock up to an all inclusive hotel, with your new training kit neatly on the bed, get daily coaching from Spain’s top coaches, team buses ferrying you around, and, at the end of the day gourmet food, a spa, and the sauna await.
3.  Time to cleanse - If, like me, your student house is colder than a nun's dormitory, why not opt for the Scandinavian approach? £899 will buy you a home sauna with enough ill-gotten loan money leftover to make sure the meter is ready to deal with the increased energy consumption.
4. Not just for the blue rinse brigade - Take a little luxury break cruising from Hull to Zeebrugge. Don't be put off by the destinations, because, for a mere £900, you can trip from the UK’s Culture capital to Belgium, in FIRST CLASS! So, dig out your evening wear and Celine Dion cassette, and pick up where Jack and Rose left off.
5. Robo-up your life. - Unless you have the luxury of a cleaner or very willing flatmates, it's probably come as a shock how fast dust gathers. But, fear not, at just under £700 you can purchase the phone controlled Robo-Vacuum, “Neato Botvac” and get your room spick and span in no time!
6. Pule your resources - Ahhhh cheese. From Dairylea to the Cheese String, it's a staple for good morale. So, why not impress your pals and buy the world's most expensive cheese? Hailing from Serbia, Pule costs around £900 per kg. A bit pricey? Keep it British and go for the Gold Leaf Stilton at £600 per kg.
7. Journey back in time - A few thousand won't get you the best car, but it will buy you a fully working Sinclair C5! It may not have revolutionised transport in the mid 80’s, but many believed it was way ahead of its time, and at £899.99, can you afford not to drive back in time?

If you are reading this thinking how daft it all sounds, consider this...

It's not as daft as being the flat “billionaire” who buys all those rounds of drinks, or, signs up for every Ski Society trip to Val-Wherever.

You will get much more out your pound if you spread it out over the year. Yeah, give yourself that occasional treat, but you really don't want to be the one having to borrow a fiver at the end of year ball...