University is when income is unstable but expenses are many — tuition, rent, social life. Starting personal finance habits now helps you avoid unnecessary debt after graduation.
Split money into three buckets: needs (40%), save/invest (20%), and lifestyle (40%). Track daily with an app or notebook — Worldpay Friend can warn you before you exceed your budget.
Build an emergency fund of at least 3 months of expenses. Even saving 500 baht at a time matters.