In September there are many student deals available for your utilities. All you have to do is ask! Call your cable company in September and ask for student deals. The same goes for your internet.

I have a $100 daily cash limit on my debit card. When I am at the mall or out at a restaurant, I know that I can only spend this amount. That way, I'm not tempted to buy things I don't really need and avoid spur-of-the-moment spending.

I have often witnessed fellow students who seem to require 3 or 4 cups of mocha or latte or another very expensive drink per day. These students will spend more on their coffee than I do for my groceries. Why not do as I do and bring tea bags? A cup of hot water costs 10 cents at my university so my drink expenses are around 20-30 cents per day.

Check your bank balance often - Online. Scotiabank offers a great service for this. This not only cuts down on your bank costs (because you visit the ATM less), but you can see where your money is going, and how much you've spent vs. how much you've brought in, for the last six months.

Never buy magazines, novels or other reading material at a book store – go to any library and read for free! Same with movies; borrow from the library. Also, use coupons for two-for-one specials at restaurants, etc. They often come in the mail, so ask your folks to send them to you at school. Go online and find some great sites for free coupons. I always use coupons and I save a ton of money!

Buy second hand. Most of the time, whether items are new or slightly used does not make a large difference - except in price! Also, check out local garage sales or flea markets. A little searching can end in a great deal.

Buy as much bulk as you can - and all at once. Limit your spending on food, supplies etc. to once a month or so - and get as much bang for your buck as you can! That way, you budget over a month rather than a week or two (which gives you more time to save for it) and since you can buy the family pack and USE it all - it saves you money.