Managing your money

Create a Simple Budget

At the start of each month, list your income (student loan, part-time job, support from home) and your expenses (rent, food, transport, socialising).
Knowing where your money goes helps you avoid running out before the end of the month.

Plan Your Food Shopping

Food is one of the easiest places to overspend. Try to:

• Make a weekly meal plan

• Shop with a list

• Avoid shopping when you're hungry

Cooking at home even a few nights a week can save a lot.

Use Your Student Discounts

Always check for student deals before buying anything.

Many shops, transport providers, gyms, and software companies offer discounts for students.

Track Your SpendingTrack Your Spending

Use a banking app or budgeting app to see where your money is going.

Many students are surprised by how much they spend on things like takeaway food or coffees.

Build a Small Emergency Fund

Even saving €5–€10 a week can build a small buffer for unexpected costs like:

• travel home

• replacing lost items

• emergency expenses

Avoid Impulse Purchases

Before buying something non-essential, wait 24 hours.

Often you’ll realise you don’t actually need it, which helps keep your spending under control.