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Student Starter Pack
A zero-based budget template built for students — pre-loaded with student categories and a flatmate expense tracker.
Your first budget shouldn't take an hour to set up
Most student budget templates are built for adults with salaries and mortgages. This one is built for the way students actually spend money — split rent, irregular income, term-time and holiday months, and the occasional emergency that wipes out two weeks of groceries.
What's Included
- Zero-based monthly budget pre-loaded with student categories: rent split, loan repayment, groceries, going out, transport, textbooks, subscriptions
- Flatmate expense tracker: log shared costs and auto-calculate each person's share
- Student loan overview: enter your loan balance and see total cost across 10-year vs 20-year repayment
- Irregular income section: works whether you're paid weekly, monthly, or only during term time
- "First 3 months" quick-start guide built into the sheet — fills in as you go, not a separate PDF
- Works in Google Sheets (free) and Excel
Who This Is For
- First year students managing rent, food, and bills for the first time
- Anyone splitting a flat who wants one place to track what everyone owes
- Students with part-time or irregular income who need a flexible budget that doesn't assume a fixed monthly salary
- Recent graduates building their first real budget after student life
How It Works
- Open the Google Sheets link (or download the Excel file)
- Enter your income for the month — wages, loan installment, support from family
- The budget pre-fills with student categories — adjust amounts to match your life
- Log shared flat expenses in the flatmate tab — it calculates who owes who automatically
- Check back weekly — takes under 5 minutes once it's set up