How To Spend Your January 2024 Student Loan Drop

Overwhelmed with how to spend that January loan? We've got you...

Written byBea Howison
Published on
Read time4 min read

In case you didn't know, it's student loan drop month for those of you who receive a maintenance loan - but we're sure you've been counting down the days!

The maintenance loan is a chunk of money provided to university students by the government to support you financially throughout the academic year with daily living costs such as food, toiletries and household essentials, as well as rental and utility costs.

Your maintenance loan will typically be split into three equal payments across the academic year, coinciding with the start of each term.


With the January loan just about to drop, here's how you can stock up on some essentials and treats without breaking the bank - it’s important to budget and make this money last so that you’re not in an uncomfortable position before your next loan arrives, but we all need a little treat every once in a while!

That’s why taking advantage of student discounts and offers is so vital. You can still enjoy spending on the things you love whilst working within a budget.

Fortunately, there are some excellent deals on at the moment - here are some of our faves...

Schuh – 20% Off Full Price And Sale Items

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Okay, so shoes are essential right? But they can certainly be pricey, which is why you should make the most of this amazing offer before it ends.

There’s something for everyone at Schuh - whether you’re a fan of UGGs, New Balance, Doc Martens or Nike, Schuh has it all. Put your best foot forward this year and kit yourself out with some new creps, all while enjoying 20% off Schuh with TOTUM sitewide and instore with our unique online discount code or your TOTUM card.

Charlotte Tilbury – 20% Off Sitewide (Ends 28/01/24)


If you fancy spoiling yourself with some high-end makeup this loan drop, Charlotte Tilbury is the brand for you.

Iconic in the makeup world, Charlotte Tilbury is famous for its premium cosmetics and can be found in every makeup lover’s beauty bag.

Our top picks are the legendary Hollywood Flawless Filter foundation and the viral Pillow Talk Lip Kit. If you want to indulge in some fantastic skincare instead, be sure to try out the Magic Cream, it works wonders. Enjoy 20% off Charlotte Tilbury sitewide with TOTUM for a limited time only!

River Island – 20% Off Sitewide (Ends 28/01/24)


There's no better time to get yourself some new winter essentials (especially with this icy weather looking like its here to stay!) and River Island has great selection of winter accessories and coats right now.

We are obsessed with this stylish black stitch detail scarf and gorgeous pistachio-coloured fluffy rib beanie hat. Another great way to stay warm during these colder months is to layer your outfits with tight long sleeve bodysuits.

You also can’t go wrong with a biker jacket; guaranteed to keep you toasty whilst you slay. Get 20% off sitewide at River Island with TOTUM, hurry before this offer ends on the 28/01/24!

Samsung – Save 15% On The New S24 PLUS Get A Free Galaxy Watch6 Worth £289! (Ends 25/01/24)


Calling all tech heads out there, if you’re stuck between getting a new phone and a new smart watch - this offer is for you!

Pre-order that new Samsung Galaxy S24 and get a fantastic 15% off your order as well as a FREE Galaxy Watch6!

The new Samsung Galaxy S24 is a seriously exciting and impressive new smartphone which takes artificial intelligence on a mobile to a whole new level.

It has a number of innovative AI features which can assist with editing photos and searching online, as well as a Live Translate feature which allows for real time two-way call translations and much more!

If that isn’t convincing enough, Samsung are giving you the chance to get your hands on a Galaxy Watch6 free of charge too. The Watch6 hosts some amazing features such as improved sleep and wellness tracking, heart rate tracking and is a great way to keep on top of your daily notifications in a sleek and discreet way.

This new watch is an incredible asset, and paired with the Samsung Galaxy S24 smartphone, you’re unstoppable. This mighty duo can be all yours and you’ll make MASSIVE savings (£468.85)! Be sure to make use of this amazing offer while you can and enjoy the latest Samsung tech with TOTUM.

NOTE: This article contains affiliate links, which will earn the site a commission if the product is purchased.

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