Money disappears fast when you’re not keeping track. That’s why having a basic budget helps.

Start by jotting down your monthly income! This could be your PTPTN money, allowances or scholarship. Then, list down what you usually spend on. There are fixed costs (like rent or phone bills) and variable costs (like meals, transportation, and bubble tea).

When you compare your income with your expenses, you’ll see clearly whether you’re spending too much. If you’re constantly running short, it’s a sign that something needs to change, either cut some expenses or try to earn a bit more.

Use apps like Maybank MAE or Spendee to help you categorise spending. If you like templates, try Google Sheets or even the free ones on iMoney.

When you know where your money is going, you’ll avoid feeling the heat when things like assignments, group projects, or emergencies pop up.

Having some pocket money makes a big difference. Even a bit of extra income every month can go toward your savings or help cover small splurges without guilt.

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You don’t need a full-time job to feel more stable. Just having some extra income means more freedom when it comes to things like outings with friends or buying something you’ve been eyeing.

Cutting down expenses doesn’t mean you can’t have fun—it just means spending smarter so you don’t feel broke all the time. Little changes can make a big difference by the end of the month.

Eat at home more often. Eating out daily burns your wallet fast, try simple meals like rice with egg and veggies, or sandwiches. Cooking isn’t just cheaper, it’s also kind of fun once you get into it!

Don’t go grocery shopping when you’re hungry or you’ll end up buying random snacks and overspending. Plan your meals, make a list, and stick to it.

Use your student card to the max. From LRT passes (My50 Concession Card) to movie tickets (student rates at GSC or TGV), to discounts at selected cafés and bookstores—those small savings add up fast. Always ask, “Is there a student discount?”

If you reduce unnecessary spending, you’ll have more cash left for things you actually want like a short trip with friends, or even treating yourself once in a while.

Not everything is worth spending on. That’s why it’s crucial to decide what’s important to you. Maybe it’s having enough for a decent laptop, buying birthday gifts for your loved ones, or being able to treat your parents to dinner once in a while.

Plan your budget around these priorities. There’s nothing wrong with spending on fun things, as long as you plan for it. For example, you can set aside RM30 a month for outings with friends, or RM50 for a little shopping splurge. That way, you enjoy yourself without the guilt or stress later.

Cut back on what doesn’t add value. If you’re spending RM150 a month on food delivery, maybe stop to consider if that money is better spent elsewhere or saved for something bigger.

Let your money reflect your values and goals. Budgeting isn’t necessarily about saying no to everything, it’s about saying “yes” to the things that you need to prioritise.

At the end of the day, budgeting isn’t about being perfect—it’s about being aware and intentional. The earlier you build good money habits, the easier it’ll be to handle bigger responsibilities later on in life. So start small, stay consistent, and don’t be afraid to enjoy your student life while being financially smart.