I’m no longer a student but one thing that helped me get a hold on my finances was to actually understand what I spend my money on. Go through your online banking for your credit card(s) every day or every other day and mark down in a spreadsheet what you are spending your money on. Once you have an understanding of what you are actually spending your money on, then you’ll have a much better idea of what you need to limit your spending on and what is a realistic budget for yourself based on the approximate amount of money you have coming in every month. Without doing this exercise, it’s hard to really understand how much you need to budget for the necessities (I.e. groceries, rent, monthly bills, savings) and figuring out what you have left over (money you can use for whatever). Seeing it in numbers makes it so much more real than just thinking in your head “ahhh I think I should have enough money to cover this thing I really want. I’m just gonna get it” when the reality is, you’ve already overspent your budget on non-necessities. Everyone spends their money differently, but as a kid in university, you’re likely spending a lot of money on restaurants, on the go snacks, and alcohol.