Students in Ireland who don't have a lot of money need to make sure that they get the most out of what little they have. Here are 10 quick tips to help you get the most out of you finances:   

Write it down. 

Using a pen and paper or an Excel spreadsheet, create a document divided into two sections, Income and Expenditure. An Excel file will give you flexibility to edit without getting messy: Write down all sources of income and all the things that you spend money on such as rent, food and going out. Then try to think of all the other mundane expenses like utility bills that chip away at your balance.

Try not to underestimate daily food and drink expenses. The more detail this first step contains, the more likely it is you will create an effective budget. 

Keep 'em separated.

Using one account for lump sums, money for monthly bills and funds for your daily expenditure is a sure-fire recipe for financial disaster.Get a second bank account that you don't touch daily. Use it to keep your rent and bill money safe from late night ATM excesses. This will also stop you from thinking you have more money than you really have.  

Eagle Eye

Many students get part-time jobs to make ends meet. Your student union or careers office will have information and local business notices for job opportunities so be on the look out.

It's Good To Talk 

Don't be afraid to talk to your bank or university student adviser if you are struggling with your finances. Free advice from experienced advisors can help you realise that you're not alone and that you can manage your money more sensibly.   

Ask for student discounts

Many shops and businesses offer student discounts so don't be afraid to ask! From travel cards to cinema deals, save money where you can and actively turn it into a habit.

Learn to cook

Eating poorly will undermine your ability to study effectively and you will end up spending more money unnecessarily on snacks and canteen food.   Don't skip breakfast and challenge yourself to learn to cook quick, simple dishes. Give it a go and watch the savings pile up!   

Think like Del Boy 

Take hold of your entrepreneurial spirit and use Amazon and eBay to buy and sell books along with any other unwanted assets that you can earn money from on the Internet market.  

Manage your debt

Companies want to make money off you in the long-term so be very careful what student overdrafts, student credit cards and student storecards you accept.   

Watch your spending

Always open your mail immediately and keep bank statements in a safe place. Banking online daily will help you see where exactly your money is going and gives you a clearer picture of what areas you can cut back on.

Avoid unnecessary expenses

Defining an 'unnecessary expense' is completely subjective. If you want to spend your student overdraft on a holiday or a guitar that's up to you - just don't take parental support for granted.