Managing your finances at university can feel like trying to navigate a maze blindfolded. With so many expenses—rent, groceries, social events, and of course, those last-minute textbooks—it’s easy to feel overwhelmed. But trust me, with a little planning and a few smart habits, you can take control of your finances and maybe even save a bit along the way. Make a Budget 💰 First things first make a budget . I know, it sounds boring and restrictive, but a budget is just a plan for your money. Start by listing your income (student loans, part-time job, etc.) and then all your expenses. Be realistic, and don’t forget the little things—coffee runs and late-night snacks add up! There are plenty of apps that can help you track your spending, or if you prefer, you can jot it down on a spreadsheet. Prioritize Your Spending 💷 Next, prioritise your spending . Not everything is essential, and part of adulting is learning to distinguish between needs and wants. You need to pay rent and buy groceries, but do you really need to order takeout four times a week? If you’re not careful, small expenses can sneak up on you. Try the 50/30/20 rule: 50% of your income goes to needs, 30% to wants, and 20% to savings or paying off debt. Save a Little Each Month 💸 Speaking of savings, try to save a little each month . I know it can feel impossible when money is tight, but even putting away a small amount can make a difference over time. Set up a separate savings account, and treat your savings like a non-negotiable expense. You’ll thank yourself later when unexpected costs pop up or when you want to treat yourself guilt-free. Look for Deals and Discounts 🤑 Finally, don’t be afraid to look for deals and discounts . As a student, you have access to all sorts of discounts on everything from software to travel. Also, consider buying second-hand textbooks or sharing streaming subscriptions with friends. A little frugality can go a long way. University is challenging enough without financial stress weighing you down. By planning ahead and making conscious choices with your money, you can manage your finances effectively—and still have fun along the way.