The student budget: surviving (and even saving) on little

When you're a student, a budget isn't a luxury, it's a matter of survival. Grant, part-time job, help from parents: income is tight and irregular. Good news: this is exactly the best time to learn to manage.

Know your real disposable income

Start with the most important thing: how much do you have left once rent and bills are paid? That's the figure that counts, not what lands in your account. If your rent is subsidised (housing benefit), include the aid in your income.

Tackle the big items

No need to give up coffee. Focus on what really weighs:

• Housing: flat-share, student residence, housing benefit. That's where the biggest savings are made.
• Groceries: cooking for yourself changes everything. Ready meals and deliveries blow up a student budget.
• Transport: youth passes, bike, student fares. Never pay full price.

Use student discounts

You're entitled to reduced prices everywhere: transport, cinema, software, banking, museums, streaming. It's free money — make the most of it while you can.

Save, even €10

You think it's impossible on your budget? Set aside €10 a month. The amount doesn't matter at all: it's the habit you're building. In ten years, you'll thank the student you were.

Keep an eye, effortlessly

When income is irregular, tracking your accounts becomes vital. Trya is free to start: you track your spending, spot where it leaks, and avoid going overdrawn at the end of the month. Exactly what a student budget needs.