Budget Gift Ideas To Avoid This Xmas

It’s the time of year where everyone is short of cash. This is apart from the annoying friend who bought it all in September over amazon when they had the money. Apart from a quick run around Poundland on Christmas Eve for the last pair of eyelash curlers or Frozen themed body wash there are a few other things you should plain and simply avoid.

Game – Christmas In A Tin £2

Sold in Game right next to the Xbox One’s a food gift for those who will be busy testing their new games and consoles you have the whole day layered into a tin. Each layer more disturbing from the next. How much do you want individual layers of hell? Let’s start with the breakfast. Bacon and fried eggs – pretty nice no problem with that one but once your spoon cracks the surface you have the joy of liquidised mince pies and sprouts. It’s either gaming related hunger pangs or this – I know which i’d prefer.

Homemade Vinyl Wall Clock £5

A very cheap way to have something naff to stick on your wall that says you want to be hip and a little bit indie. All you need to buy is a vinyl from a charity shop and a cheap clock making kit. What originally sounds like a ‘shabby chic’ and ‘quirky’ thing to do dissolves into a nightmare when all the vinyl you can find is vinyls of Wham and Elton John. Gone is the desire to look cool by using either a Jazz or Rolling Stones. Gone is the idea of a gift that says something about who you are as a person and now you have a work of ‘art’ that isn’t even good enough to grace a skip.

Pretty Much Anything You’ve Tried off Etsy £5

Googling gift ideas leaving you dry? Try the next stage of sifting through homemade goods on Etsy. Being too poor to buy them you give it ago yourself. Being clever you realise you can make the same thing for everyone so you buy in bulk. It’s the time in your life where as a semi-confident adult it’s time to try and make soap. Feeling empowered you set out only to greeted by a mixture of awful smells, chemical burns and allergic reactions. Times like this it’s safer just to go to a sale at the body shop and then wrap them soap in Lush branded paper – hopefully no one will know the difference.

Paris Hilton – Confessions of an Heiress £1

Poundland should be congratulated on its choice of stock as for just a pound, love it or hate it you’ll buy it for someone who watched her series once or who just has a propensity for being a difficult with a fondness of wearing too much pink. With brilliant articles helping you be the most fabulous version or yourself you think it’s a no brainer. Could you believe you’re getting such a great deal when it’s on amazon for £15. Well the answer is no, article after article of vacuous nonsense probably not even written by her, it starts with being amusing but by the end the brain damage is too severe. Only buy for those you really hate.

Sexy Gifts from anywhere £4

“Oh isn’t [insert flatmate name] such a laugh he bought someone lube for secret santa again” possibly the most bantish gift you could buy anyone for xmas. It briefly makes people look like the have a sense of humour not realising they had no other idea for a present, forgot about it today and sifted an unopened bottle of something Pina Colada flavoured from the bottom draw which their other bantish friends bought as a pre-uni gift.

Halloween On Us: Updated!

Halloween On Us: Updated!

Fancy having a night out on us? Simple, all you have to do is send us a photo of you in your

awesome Halloween costume and the best one will win a prize of £100 cash.

Either send us your photo on Facebook or through twitter. We’re excited to see what you have all come up with.

Winner will be announced at 20:00 today and the money will be transferred instantly for your night out ;)

Good luck!

6 People you will meet this Halloween

The Toilet Roll Zombie

You can guarantee at this time of year someone will have forgotten to get a costume for the party. You will see them at the start rolling themselves in toilet roll and going round asking if anyone has any fake blood left. Usually a hit with the ladies in a club due to an unsurprising toilet roll shortage, it may be cheap and quick but it ends up being a very useful costume, though a miracle if it is still somewhat intact by the end of the night

The Tesco Vampire

The teeth are 40p and the fake blood is £1 – put something black on and they’re ready to go. Once the £1.40 has been factored into the budget the rest has been invested in a pre-drink and enough to get into the club of choice come midnight. You will often see the Tesco Vampire playing beer pong and later on see the teeth floating in the cup. By the end of the night they will look like they went as a goth.

The Doctor Who

They spent along time on their costume, they may have made it themselves or just gone for brown clothes with a bow-tie. Even though they’ll probably be at the party in someones room showing someone a blog on tumblr or either their fan fiction or just some fun images. All pretence is gone when later you spot them drunkly pole-dancing as your mind (and phone camera) finally experiences what a pole dancing doctor who would look like.

The Who are You

The Who Are You has recently been to a convention and has an elaborate costume. You know it’s anime but you can’t quite place it. You see them spending the whole night telling people who they are and outlining the basic on the plot including their opinion on whether the manga or anime is better. Which people will then reply with ‘Do you like Pokemon – that’s anime right?’. This is -unwise.

The Recycler

They have had the same costume for the last 5 years and just keep it handy to save time. They’ll be new at uni so they will slip gently under the radar – until next year where you see them again. You’ll find them at the bar as they know that fancy dress just means drinking in funny outfits and it being acceptable.

The Banter

This is always the person who feels the bravest who is also the most likely to have a beer bong in his hand regardless whether it’s a monday or friday. They could be one or two things, last year they came as Jimmy Saville and this year they’ll probably come as Ebola. Although tasteless this usually causes people to cheer and you usually find them at the bar being bought a steady stream of drinks by strangers applauding their bravery – or stupidity.

To get involved with our Halloween fancy dress competition head over to Smart-Pig Facebook for a chance to win the night on us!

Enter SNOW14 for £25 off your Smart-Pig Loan

Promotion now expired. 

It’s Term 1: you’ve already paid for your bus pass, next year’s rent deposit, all those week 1 reunions parties, and now the chance of a lifetime has come to go on snow tour and get piste.

We loved our student ski tour, but remember that paying for  it left us feeling the pinch and a bit sensitive to other short term money problems until our next student loan arrived in January.  And even once we’d run that gauntlet, running out of money on tour was no fun at all.

To help, we’ve created a code for our site.  Enter SNOW14 during your application to get £25 off your Smart-Pig loan.

Uses of the code are limited and it may be withdrawn at any time. For new customers only.

We are also looking to Sponsor a University Ski Club.  If you are interested get in touch.

781% APR
Amount of credit: £200 for 68 days. Interest: £86.00. Interest rate: 256%pa (fixed). 7% Initial fee: £14.00 Total to repay: £300.00.


Welcome to Our Blog

Smart-Pig.com is the Student Lender launched in 2012 by students at Warwick and Herts uni , in order to give students looking for a short-term loan a better deal.

We are not the same as other short term lenders.  Smart-Pig was actually a spin-off from a protest against short term lending that thought out of the box, rolled up our sleeves and went to head to head with the big ugly giants. One of our founders had a terrible experience with a certain straight-talking lender after they talked his balance straight up to silly levels and sucked his whole student loan away without permission.

Smart-Pig was started partly using one of the government’s fantastic youth Start-Up Loans.  We were a nominated in 2013 for Rockstar Youth Best Overall Business and in 2014 were a finalist for alternative lender of the year.

What we do Differently

  • Grace Period – no extra fixed late payment or penalty fees if you miss you due date, for up to 10 days. Just in case.
  • Interest Cap – our voluntary interest cap is HALF the cap introduced by the FCA
  • No Rollovers – Our short term loans don’t turn into long term ones
  • Ethical Pledge – the way we treat our customers is never going to change!
  • Founded by Students for Students – no-one knows student money like we do.

Payday Loan Alternative

We see Smart-Pig loans as a payday loan alternative and not regular payday loans  (although they do come under the FCA definition).  This is because our company really does genuinely work very differently – especially when it comes to the hidden stuff you don’t really see. It’s all because we were set up as an ethical lender from the ground up, meaning our pricing, loan terms, tangible ethical safeguards and internal procedures all have student’s welfare in mind.

Valentine’s Winners!

Happy Valentine’s Day everyone. We hope you have a great day whether it be going on a date or simply marathoning a program on Netflix!

Big shout out to Caolan Brown, Holliday Brooks and Angela Flor who each won our £150 Valentine’s prize! Give Smart-Pig HQ a ring on 01926 298840 and we’ll sort out your prize.

Meet Shalanda, Our Term’s Rent Winner!

On Friday, Smart-Pig founders Tom and Shreiff travelled across London to LSU to meet the lucky winner of our Term’s Rent Competition, Shalanda. Here he is receiving an oversized cheque for £1900 outside London Southbank Uni.

Shalanda, we hope this helps and you have a great spring term at Uni! Everyone else, don’t give up just yet! Our Term’s Rent competition will start again soon, so keep your eyes peeled. It does what it says on the tin, we pick one lucky Liker of our Facebook page and pay for your term’s rent (up to £3500) so you can have the best university experience possible.  There is no need to be a Smart-Pig customer, but you must be a UK student.

Loans for Students. Warning: Late repayment can cause you serious money problems. For help, go to: www.moneyadviceservice.org.uk