Preview Chapter Four:

Food is a major expense, but small changes in how you shop and cook can lead to significant savings. In this section, you’ll learn:

• How to save money on groceries without sacrificing quality
• The best budget supermarkets and where to find student discounts
• Meal prepping and bulk-buying strategies to cut your food costs in half

Rent is often the biggest expense for students in the Netherlands. Understanding how to find affordable housing options can make a huge difference in your budget. This section covers:

• Tips for finding cheaper student housing
• What to look for in a rental contract to avoid hidden costs
• How to apply for housing benefits (huurtoeslag)

Electricity, water, and internet bills can add up quickly. This section provides:

• Simple ways to reduce energy and water consumption
• How to find the best deals on internet and mobile plans
• Why sharing costs with housemates can cut your expenses significantly

Setting up your student home doesn’t have to be expensive. Here, you’ll discover:

• The best places to find free or second-hand furniture
• How to furnish your space on a budget without compromising quality

In the Netherlands, health insurance is mandatory, but there are ways to reduce costs. This section explains:

• How to apply for healthcare allowances (zorgtoeslag)
• What to look for in an affordable student insurance plan
• Whether you need additional insurance for liability, travel, or bikes

Public transport, biking, and student discounts can all help you save money on getting around. In this section, you’ll learn:

• How to cut transportation costs with student subscriptions
• Why cycling is the cheapest and most convenient option
• How to find discount train and bus tickets

Social life is an important part of student life, but it doesn’t have to break the bank. This section includes:

• The best ways to enjoy movies, concerts, and sports on a budget
• How to find free or low-cost events
• Why choosing experiences over expensive outings can help you save money

Dressing well as a student doesn’t have to be expensive. This section covers:

• How to find affordable fashion without sacrificing style
• The best second-hand and outlet stores for budget shopping
• How to build a minimalist wardrobe that saves you money

By carefully managing these expenses, you can dramatically reduce your monthly costs, free up money for savings, and still enjoy student life to the fullest.