My name is Fatima Al Zahra Al Mansoori, and I am an international student from the United Arab Emirates currently studying at Kestora University. Before moving to Finland, one of my biggest concerns was the cost of living.
I had heard many different opinions. Some people said Finland is extremely expensive, while others said it is manageable for students. After spending several months here, I can say the truth lies somewhere in between.
Living in Finland as a student is not cheap, but with proper planning and discipline, it is absolutely manageable. In this article, I will break down my real monthly expenses so you can have a clear and honest idea of what to expect.
Accommodation Costs
Rent is the biggest expense for most students in Finland.
I currently live in shared student accommodation, which helps me save money. My monthly rent is approximately between 300 and 500 euros depending on the location and type of housing.
Private apartments can cost significantly more, especially if they are closer to the city center or campus. For most international students, shared housing is the most practical option during the first year.
Food and Groceries
Food is another essential part of your budget. On average, I spend around 150 to 250 euros per month on groceries. Cooking at home helps reduce costs significantly. Eating out regularly can quickly become expensive.
Student cafeterias are a great option because they offer affordable meals. This helps balance convenience and cost. Planning meals in advance and avoiding unnecessary spending has helped me stay within budget.
Transportation
Transportation in Finland is reliable and efficient. I use public transport regularly, and as a student, I benefit from discounted monthly passes. On average, I spend about 50 to 80 euros per month.
If you live close to campus, you can reduce this cost by walking or cycling. Many students choose accommodation based on accessibility to public transport to keep expenses manageable.
Personal Expenses and Lifestyle
Personal spending varies depending on your lifestyle. For me, this includes items such as clothing, entertainment, subscriptions, and occasional outings. I usually spend between 100 and 200 euros per month in this category.
It is easy to overspend if you are not careful, especially when adjusting to a new environment. I try to prioritize my needs and limit unnecessary purchases.
Total Monthly Budget
When I combine all my expenses, my total monthly budget typically ranges between 600 and 1000 euros. This amount can vary depending on your lifestyle, accommodation choice, and spending habits. Some students manage with less, while others spend more.The key is understanding your priorities and planning accordingly.
What Helped Me Manage My Budget
Living in Finland taught me financial discipline. Tracking my expenses regularly helped me understand where my money was going. I also learned to distinguish between needs and wants.
Taking advantage of student discounts made a big difference. Planning ahead, especially for groceries and monthly expenses, helped me avoid unnecessary stress.
Final Thoughts
Finland is not the cheapest country to live in, but it offers a high quality of life and a well-structured system for students.
At Kestora University, I have been able to focus on my studies while maintaining a balanced lifestyle. Managing your budget is an important skill that will benefit you beyond your time as a student.
If you are planning to study in Finland, do not be discouraged by the costs. With the right approach, it is possible to live comfortably and make the most of your experience.
About the Author
Hi I am Fatima, I am an international student from the United Arab Emirates currently studying at Kestora University. I am passionate about arts and personal development. I love cooking, painting and drawing
