Money
Put your allowance and your costs side by side, and see what is actually left at the end of the month.
Left this month
R0,00
R0,00
R0,00
Your budget
Nothing in here yet
Start with what comes in each month, then add what goes out.
Worth knowing
Follow the 50/30/20 rule: 50% needs, 30% wants, 20% savings.
Track every expense, even small ones. They add up fast.
Cooking at home instead of eating out is the biggest single saving for most students.
Build an emergency fund of at least one month of expenses.
Ask about student discounts everywhere. Most places have one and never advertise it.
Review this budget weekly, not monthly. Corrections are cheaper when they are small.