Survival requires careful planning and effort, especially for those of us who aren’t “planned kids”—the ones with financial cushions. For those navigating campus life on a tighter budget, let’s explore how to thrive on just 200k a semester.
Create a budget before the semester, outlining expenses like accommodation, food, transport, and supplies. Break your 200k into weekly or monthly portions and track your spending using apps or a notebook. “Failing to plan is planning to fail.” Stick to affordable choices—shared off-campus housing can save costs, and splitting rent and utilities with roommates helps. “A penny saved is a penny earned.” Additionally, cooking your own meals instead of eating out makes you financially prudent and keeps you healthy. as restaurant food often focuses more on profit than nutrition. “A watched pot never boils, but at least it’s cheaper!”
Focus on needs, not wants. Campus fashion trends or the latest gadgets might be tempting, but resist the urge to splurge. Stick to essentials like clothing and academic supplies avoiding impulse purchases. “Less is more,” and by living simply, you’ll stretch your 200k further. Transport can be a hidden expense that adds up quickly. If feasible, try to walk or cycle to campus. Most universities have vans for public transport. All you need to do is wake up early, and wait for the van by the roadside. Honestly, why spend on Uber when you can build a relationship with a trusted boda or taxi guy? The deeper the bond, the better the deal!
As someone on a tight budget, seize every chance to avoid spending unnecessarily. why are you buying textbooks when the library and often e-books are available. And Why skip porridge nights? Attack all the events that come with free food. I am not saying that you should never miss out on free food, oh wait, is it what I’m saying? Yes, that’s it. Also, why spend on data when the university has Wi-Fi? “Why pay for what you can get for free?
Campus life is packed with social events, but constant outings can quickly drain your wallet. Don’t get swept up in parties and expensive gatherings you can’t afford. “All that glitters is not gold.” Some things simply aren’t for you right now. If you’re caught buying rounds of drinks for a crowd, is that wisdom or folly? Many places offer student discounts—carry your ID and ask everywhere you go. Small savings, whether on food or transport will add up. “Take care of the pennies, and the pounds will take care of themselves. “If you’re still struggling to make ends meet, consider taking on a part-time job or freelance work. Campus jobs, tutoring, or online gigs can help you earn extra cash without disrupting your study schedule. “Where there’s a will, there’s a way,” and a little extra income can ease the pressure on your budget.
While 200k is just a figure, some students might receive 300k or even 400k, but saving or investing is still a wise move. The real challenge is not the amount—it’s surviving within your means. Living on the bare minimum may seem tough, but it’s far from impossible. The key lies in discipline and strategic spending. By focusing on essentials and cutting unnecessary expenses, you’ll not only survive but thrive on a tight budget. After all, “It’s not how much you have, but how well you manage it.”
