Being low on funds doesn’t mean you can’t show up for your mates. Here are some budget-friendly ways to support each other.
By Lauren Rouse
Pooling resources is one of the easiest ways to help your buddies out of a tough bind. Moneysmart’s finance expert, Justine Davies, suggests adopting a sharing mindset. “Invite friends over for a meal – cooking for two costs about the same as cooking for one,” she says. “Share your clothes. Share petrol and parking costs. Offer your couch for a week or two if it will get someone out of a tight spot.”
“Public transport can be pricey if you live far from uni. I made a similar timetable to a friend who lived near me and we carpooled to save on transport costs.”
– Georgina, Brisbane, QLD
Most businesses on campus know their customers are on a budget so keeping an eye out for student deals is an easy way to save. Davies recommends watching for “refer a friend” promotions and “buy one, get one half price” offers. Partnering with a pal to take up these deals can ease their worries about spending.
“There was a period when I was low on cash and pretty worried about it. I told a friend at work and she turned around and gave me her regular Saturday shift. It’s a gesture I’ve never forgotten.”
– Steph, Sydney, NSW
FOMO and finances rarely mix. But hanging out doesn’t have to drain your wallet. Hosting a movie or game night or even a study session at home is way cheaper than splashing out on movie tickets or café runs – and you still get all the laughs (and snacks). Alternatively, take it outside. Group hikes, park picnics and beach hangs cost next to nothing and still deliver Insta-worthy moments.
We’ve all had moments when money feels tight and it helps to know you’re not the only one. If you’re trying to save, say so – a simple “I’m cutting back” can make friends feel more comfortable admitting they’re in the same boat. And sometimes, the best thing you can do is listen. You don’t have to have the answers – let them vent about money stress without judgement.
Published: 11 February 2026
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