This resource has been developed by our Financial Counsellor based on insights gathered through one-on-one counselling sessions with students. It is designed specifically in response to common financial challenges and patterns observed among UNSW students, including managing irregular income, balancing essential expenses, and navigating study-related financial pressures. This tool is intended as a practical, student-informed resource rather than a one-size-fits-all budgeting guide and should be used in conjunction with personalised financial advice where needed.