School essentials
4 categories
- RentRoom or apartment25%
- GroceriesFood basics10%
- TransitPasses5%
- Books and feesSemester costs5%
Students
Student basic budget
A lightweight school-year budget for rent, food, transit, books, and controlled social spending.
Keep essentials and semester costs funded first, then cap social spending to avoid surprise debt.
45%
Flexible
4 categories
- Phone and softwareSubscriptions6%
- SocialGoing out12%
- Clothes and personalBasics7%
- Travel homeTrips and holidays10%
Safety
2 categories
- Emergency bufferCash cushion12%
- Debt paydownCards or loans8%