Making and sticking to a plan is half the battle when it comes to most things, particularly your financial wellbeing. In fact, being organised isn’t boring, it’s liberating. Try approaching money in the same way you tackle your studies, by mapping things out and chipping away. Both you and your finances will be better for it. A good trick is bucketing your money into expenses, discretionary spending and savings – the latter if and when you can. Top tip: plan your money around your timetable. If you know you have a big study week ahead, see if you can put a little money aside for a late night picnic for your puku (belly).
Your first year of tertiary education is a big step. Keeping on top of your finances can really reduce some of the stresses that naturally come with change. Just remember to factor in bit of fun too. This is your time to grab life.