Find out what students choose to cut back on first – the answers might surprise you!
Can you make it to graduation with more than a few coppers jingling in your pockets?
Here's how some university students stayed on top of their finances – and how you can too.
It pays to work
Bryony Fairchild could have written the savvy saving manual. During her Psychology degree at Royal Holloway, she worked in a bookshop that let staff borrow stock, as a waitress in the Student Union's cafe, and in a clothes shop with a staff discount.
And because she was earning, she put her student loan in an ISA . 'My ISA made enough in interest for me to pay off my loan,’ says Bryony. ‘I left uni with hardly any debt.'
Spend less on food
You can also save by adopting a high-protein, fibre-rich diet. Scientists at the University of Sydney have developed the Satiety Index, which measures the foods that most effectively keep tummy rumbles quiet. Potatoes top the list, followed by fish and porridge. And if you can afford a cinema trip, popcorn came in a satisfying 10th place.
Just say no
For Shade Lapite, who studied Journalism at Goldsmiths College, it was simply a case of sacrificing aspects of her pre-student life: 'The toughest thing was not going on holiday,' she says. 'But it was nice to hang out with other people on a budget who were keeping a watch on the cash like I was.'
Invest your cash
If you have spare cash, investing is wise. That's what Matt Kendall, an Economics graduate from the University of Nottingham, did. 'I worked before uni and invested in a high-interest account. I topped it up with cash earned in holidays.'
So, once you’ve sorted your tuition fees and living expenses, if you can save and invest, the rewards can be plentiful.
Work out what you need
Before you buy anything, ask yourself if you really need it. Daisy Bowie-Sell stuck to a strict budget during her English Literature course. 'I studied in Norwich, which was cheap,' she says. 'I never treated myself and never went clothes shopping.'
Daisy worked during her final year, and was in the black by the time she graduated.