Add your income:
- your student loan
- any grants, bursaries, sponsorship or scholarships you're eligible for
- money from your parents or guardians
- income from a job
- any savings you're not saving for after your course
Then take off your outgoings:
- tuition fees
- rent for your accommodation
- any house bills – internet, TV licence, water, gas, electric etc
- contents insurance
- any travel or car costs
- credit card or debt repayments
- your phone bill
- food
Then whatever’s left you can spend or save:
If you’re in the minus, then think about reducing some of your outgoings or cut back on something for a month.
- reduce your phone bill – find a cheaper tariff
- find a cheaper gym
- cancel any unwanted subscriptions and memberships
- limit how many times a week you go out
- divide your spending money into weeks and keep within the limit