Preview Chapter Two:

What does it mean to be frugal? Many people associate frugality with extreme cost-cutting, but it’s really about maximizing value and making smart financial decisions. This section covers:

• The mindset shift that will help you thrive financially as a student
• Why frugality is not about being cheap, but about being smart
• Common money traps students fall into—and how to avoid them

Saving money doesn’t mean you have to miss out on the best parts of student life. The key is to cut costs on things that don’t matter and spend on what does. Here, you’ll learn:

• Practical ways to save on food, rent, books, and entertainment
• Why meal prepping can save you hundreds of euros per year
• How to find free or low-cost activities and still have fun

As you start earning more—whether through a job, scholarship, or financial aid—it’s tempting to increase your spending. This is called lifestyle inflation, and it can quietly sabotage your financial future. In this section, you’ll discover:

• How to recognize and resist lifestyle inflation
• Why maintaining a student budget mindset can set you up for long-term success
• Real-life examples of students who built financial stability by staying frugal

Frugality becomes easier when you have the right tools and resources at your disposal. This section provides:

• The best budgeting apps for students in the Netherlands
• How to leverage discounts, cashback programs, and free resources
• Essential habits that will help you save money effortlessly

Mastering the principles of frugality will allow you to spend less, save more, and still enjoy your student years to the fullest.