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Our Top Money Saving Tips for College Students 2021

  • event_available May 27, 2021
  • timer 3 mins to read
Our Top Money Saving Tips for College Students 2021

Whether you’re a freshman eager to start College after the Summer, or a sophomore who found out the hard way(!) – knowing how to save money at College is one of the absolute student essentials!

Going to College will be one of the best experiences of your life. You’ll likely move away from your hometown, meet new people, and there will be dozens of awesome things for you to experience! So, taking away any money-related worries will be a huge relief for you.

Take a look at our top money saving tips for college students as outlined below:

Bank Accounts & Budgeting

Boss Your Monthly Budget

First and foremost, putting together a monthly budget is absolutely crucial. The last thing you want to do is get to the end of the month and find out you’ve got no money in the bank and wonder where it all went.

Moving away from home may mean this is the first time you’ve ever had to pay major bills, so having a good awareness of your monthly outgoings and your disposable cash will help you massively.

Save, Save, Save!

Now you’re standing on your own two feet, saving for a rainy-day fund is a must.

You never know when an unexpected bill (or vacation) might come along. So ensuring you’re fully prepared for this with savings will be something you’ll definitely thank us for later.

There are also tonnes of awesome student saving banks and apps out there. So shop around and find the one that will work best for you.

Say No to Accounts You Don’t Need           

When you start College, you’ll likely get inundated with credit card offers. These may seem like a good idea at first, but be wary.

Credit cards can be a great way to build up your credit score, as can paying your rent and other bills on time. However, having multiple credit cards can be difficult to keep track of and could land you in debt.

If you do want to open a credit card or other similar credit account – then make sure you find out all the small print first and ensure you keep on top of your payments.

Cut Your Bills

Do You Really Need Cable?

It’s your first chance to be in control of your TV channels. So, naturally, you get them all!

But do you really need them? Let’s face it, every time you want to watch football, you’re going to head to the local campus sports bar. And movies are what Netflix is for, right?

If you are a big TV lover though, then make sure you look for any TV & Streaming coupons before signing up for anything.

Use Price Comparison Sites

Price comparison sites and apps are a great way to ensure that you’re not overpaying on any of your bills.

Simply pop in your details and what you require – and they’ll do the rest for you! You can check that you’re on the right tariff for you. Or whether any other suppliers have any better deals currently on.

You could also check for the latest coupons on energy and heating suppliers – which could end up saving you a heap of cash.

Live Smartly (remember what your parents told you)

Once you’re happy with the suppliers and tariffs you’re on for your bills, you should be considerate of how you can keep them to a minimum!

How many times have your parents ever pestered you to turn the lights off? Or the TV that you’re not watching off? Or how about how long you spend in the shower? We’re sorry to say it, but they were totally right!

If you’re in student accommodation, then it’s more than likely that your gas, electric, and water bills are all in excess of your rent. So you and your dorm mates should be as mindful as possible to keep those extra costs down!

Food & Drink

Shop Groceries Wisely

Before you head over to the grocery store, make sure you get organised for the week. Speak to your housemates, and get a grocery list together for the full week.

Shopping this way will stop you from buying unnecessary things. And it’ll save you a lot of money if you plan meals that you can have together.

Make sure you also shop around for the grocery store that offers everything you need, at the best prices. Remember that this might even be online, so make sure you keep an eye out for any good coupons for online grocery stores.

Plan for Take-Outs

“Shall we get take-out?” The dreaded question that every student loves to hear!

As difficult as it may be, especially after a night out, try to limit take-outs as much as possible. Not only are they not great for your health and fitness. But you’d also be amazed (and shocked!) and how much they end up costing you!

Likewise, try to make your own coffee before headed out to campus! This is probably one of our top money-saving tips for students. It’s so simple to do but also very easy to forget. If it’s the fancy coffee you’re after, then look out for a coffee maker coupon code to brew your own at home!


Let’s face it. The main aim at college is to have as many drinks as you can in the shortest period of time.

Save yourself a few dollars by opting to have pre-drinks with your friends, rather than just headed straight out to the bars. This may get you slightly more inebriated, but it’ll save you a lot of cash in the long. So win, win!

If you want to impress your mates, you could even bring the bar to your dorms! Buy your own wine and beer packages. Or even a cocktail making kit that you can use time and time again. You can look for any current coupons for any of these here.

Other Shopping

Flat & Dorm Equipment

Get a list together of all the home equipment and appliances you need and then plan who’s going to buy what! It’s pointless having multiple of everything, and it’ll save you a decent amount of cash.

When you do start buying your flat and dorm equipment, make sure you shop around. You can often get the best prices online and there are often dozens of coupon codes for home goods stores.

Personal Shopping (all the good stuff)

For a lot of College students, this is where the majority of your student loan probably goes!

Clothes, bags, shoes, jewellery, gym wear – they’re all essentials. But try to limit yourself and make sure you include all of these within your monthly budget.

Look to purchase different items during their lower season where they might be in the sale. Or if you need something urgently, then do a search for any relevant fashion discount codes first.

College Equipment (the not-so good stuff)

Now this is the bit that you really don’t want to spend your student loan on!

We’re afraid to say it, but going to College does mean there will be some essential College equipment you’ll need to purchase.

Our advice is to not purchase anything until you’ve been to your first class. You may find out that they have books to loan you, or that they’re all readily available in the library.

For any books or other College equipment that you do need to purchase – make sure you shop around. You could try second-hand ones from charity stores, or look online for any College & University related discount codes.


Always Ask About Student Discount

Almost everywhere you go will offer student discount, especially on campus and around the city centre. So don’t forget to ask!

There’s some amazing deals to be had and you’d be surprised at home many places actually offer it.

Don’t Buy Anything Without a Coupon Code!

We’ve mentioned this a few times already. But it’s so important that you don’t jump into any purchase without looking for a discount or coupon code first!

At Coupon Ninja, we work with a wide variety of stores to ensure we can bring the best coupons to you.

Are you a freshman on a budget? If so, you can check out our other advice articles here. Or for more money saving tips for college students, please get in touch with us.

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