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University is an exciting time for students all over the world. It involves meeting new people, learning in a more explorative environment and having a significant amount of independence. University is also the first step you'll take towards financial independence, so there's no better time to learn about budgeting. This guide will take you through the essentials of a university budget template.
The Finder app hunts down personalised ways for you to save. You could save on your bills, mobile plan, credit card, insurance and more. Pop in your phone number below to get your download link.
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University is hardly a cheap place. Textbooks, accommodation fees or rent and a night out with friends could really amount to huge costs. The last thing you want to happen is to run out of cash and ask your parents for more. That's a huge warning sign to them that you're not mature enough to manage your money.
Should you spend on that new laptop? Is that price too expensive for groceries? Am I spending too much on takeout food? Independence means less time with your parents and fewer opportunities to ask for help. Financial decisions will end up falling onto your shoulders. A university budget template could help you make more responsible decisions.
There's no better time to prepare for "adulting" than university. Creating a university budget template could help you pick up responsible financial habits that could go on to influence your spending as an adult. Additionally, saving up in university could put you in a better financial position when you graduate. Most fresh graduates spend up to a year searching for their first job. Instead of moving back in with your parents, you could have a good financial cushion to fall back on during this period.
Here are some spending categories to consider when making a university budget template:
Creating a university budget template is easy – sticking to your budget is the hard part. Traditionally, you might be encouraged to note down each transaction you make and categorise these expenses each month. But let's be honest, do university students have time for that? Precisely! That's where smart money management tools come in.
Popular budgeting apps, like the Finder app, are great tools to manage your money. It helps you link your bank accounts, debit cards and investments into a single dashboard. This means you can get an overview of your finances any time you need to. You can also track your transactions, monitor your credit score and shop around for great savings deals – all for free. Learn more about the Finder app here.
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