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When you’re studying or starting out, every dollar counts. Make the most of your money, so you can get on with your life.
Managing money as a student can be challenging, especially when you're balancing study, work and everyday expenses. Whether you're planning for study costs, moving out of home, starting a job or making big purchases, our guides can help you build money skills and avoid common financial mistakes.
Studying. Studying can affect both your income and your expenses. Learn how to manage money while studying, understand course costs, explore government support and scholarships, and plan a budget for student life.
Moving out of home. Moving out of home for the first time comes with more costs than just rent. Find out how to plan your move, budget for ongoing expenses, understand the costs of living independently and prepare for sharing with others.
Rental bonds and leases. Renting a place means understanding your rights and responsibilities before you sign a lease. Learn about rental bonds and leases, what to check before moving in, and where to get help with rental problems or paying your rent.
Starting a job. Your first job can bring new opportunities and new responsibilities. Learn what to expect when starting a job, including pay, tax, superannuation, workplace entitlements and where to get help if something doesn't seem right.
Credit and debt. Borrowing money can make it easier to buy things now, but it can also create long-term costs. Understand different types of credit and debt, what to consider before borrowing, and where to get help if repayments become difficult.
Choosing a mobile phone plan. The cheapest phone plan isn't always the best value. Learn how to choose a mobile phone plan by comparing data allowances, phone costs, contract terms and network coverage before you sign up.
Buying and running a car. Owning a car can involve significant upfront and ongoing costs. Learn about buying and running a car, including ways to buy, common ownership costs, finance options and checks to make before purchasing a used vehicle.
If you're in crisis or struggling to make ends meet, see urgent help with money. There are services to help you with food, bills, housing and emotional support.