How I live on just $110 as a college student

March 11, 2020rumaisah

I know you’re surprised at how a student can survive on $110 every month or how to live on $110 a month but did you know that I even save a percentage from that every month in case of rainy days? Crazy? Absolutely. Impossible? No!

Before I start telling you how I do it all, I just want to let you know that I school Nigeria and things here are really really affordable compared to those of you living in the United States and Europe. So it’s very possible because I know people that are even surviving with less than that!

How I get it all done

Every month, I sit down and plan how I am going to spend my money. You need to really plan it well because any small mistake can make you go broke.
Here are the most important things I spend my money on:


How to live on $110 a month | frugal living | college student life |money management

If you really want to save money, then cooking your own meals should be your thing. I take a percentage of that money and purchase all the necessary food items I will be needing and most of the time, I even buy some things in excess that way, I always end up with extra food items I can use before I go shopping once again.
I love eating out and checking out new restaurants but I had to limit that because I wanted to spend my money on things that matter the most. I go out only once to twice a week now.


Toiletries are very important and I won’t advise you to splurge on them. I spend a lot on toiletries because I need to buy a lot from deodorants to detergents to skincare products.
 Some of these things don’t even finish so I continue to use them the following month which means I won’t have to buy the next month. It’s always a good idea to buy things in bulk sometimes.


Every morning I take the bus or a tricycle to school. Although I don’t spend a lot when it comes to transport, I still budget for it because it’s equally important.
Taking an Uber every day to school is very expensive and the money that I will spend on Uber will be sufficient for me to do something more useful with it.

4.Other things

How to live on $110 a month | frugal living | college student life |money management
I always budget for some other things that are not necessary but I might want. This could be a new pair of shoes, new sunglasses or maybe a night out with my girls. If there is anything left, I save it. Even if it’s a dollar.
 If you’re in Nigeria, make sure you check out Cowrywise. It’s an amazing saving app that I fell in love with last year. It’s very easy to use and your money/bank details will always be safe with cowrywise.
Cowrywise| How to live on $110 a month | frugal living | college student life |money management
Open an account today and earn N250 when you save as little as N100. Click here to check it out.
I just want you to know that you can do it if you want to.  All it takes is a great budget planning and you’re good to go. If you live somewhere where the cost of living is very high, then prioritize accordingly. This is a new decade, you should work on your spending habits and try to save as much as you can.
I know you still have some more minutes to spare so why don’t you check out some of my readers favorite? You will surely love them too
I hope you enjoyed this post as much as I did why writing it. Now tell me, where does the majority of your money go to? Is it food or clothing or something else? Let me know in the comments section below!

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Comments (4)

  • Sayyida

    May 23, 2020 at 3:52 am

    I use Cowrywise too and as a Muslim, I love that it has a ‘halal savings’ option.

    1. rumaisah

      June 3, 2020 at 10:22 am

      i know right! it was life changing.

  • 15 things I stopped buying to save money in college – Life with rumie

    June 5, 2020 at 9:26 pm

    […] it or not, I currently live on just $110 a month as a college student. If you will like to know the things I stopped buying to save money, then keep on […]

  • The best planner for college students – Life with rumie

    September 4, 2021 at 6:53 pm

    […] is exactly the monthly budget I use that helps me to live on just $110/month as a college student. You need to keep track of your income and expenses because life is expensive! It comes in 2 styles […]

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