FINS

Ever wondered what EURIBOR actually means when you see it in a loan offer?

EURIBOR is a reference interest rate used across the euro area. In simple terms, it can influence how the interest on a variable-rate loan is calculated.

Why should you care? Because if EURIBOR changes, the cost of borrowing can change too.

Understanding terms like this can help you compare financing options more clearly and make better decisions about your study budget.

Save this post for later and follow the FINS Financial Dictionary for more money terms explained simply.

✈️ Touchdown in a new country. Here comes your first night out.
🧾 After a whiler: “How will i afford this now?”
Going broke in your first month abroad? It's an international student canon event... but it doesn’t have to be this way.
We made a list of rookie mistakes so you don’t make them 👀

Read this, then go book that flight. Your wallet will thank you later 💸

Studying abroad comes with a lot of exciting decisions: the university, the city, the accommodation, the new life you’re about to build.

But one decision should come before many of the others: understanding your budget.

Tuition is only one part of the real cost of studying abroad. You also need to think about accommodation, transportation, food and the everyday expenses that can easily be underestimated.

That’s why having a realistic budget from the beginning can give you more clarity and help you make better decisions about your studies.

With the FINS Study Budget Session, you can work together with a financial assistant to calculate your expenses and income and create a personalised budget for your plans abroad. The session is individual, online and free. Book your free Study Budget Session. Link in bio.

Studying abroad is exciting. But before choosing flights, accommodation or even your new favourite coffee spot, there’s one thing worth figuring out first: your budget. 🎓💸

Tuition, rent, transportation, everyday expenses, knowing what to expect can help you make better decisions and avoid unpleasant surprises later.

With the FINS Study Budget Session, you can build a personalised study budget together with a financial assistant and get a clearer picture of what your studies abroad could actually cost.

The session is individual and online.

Book your free Study Budget Session. Link in bio.

Many students estimate their expenses instead of calculating them—and that’s where unexpected costs begin.

A realistic budget should include more than tuition and rent. Think about groceries, transport, insurance, study materials, subscriptions and personal expenses.

Knowing your numbers before moving abroad gives you confidence, helps you avoid financial stress and allows you to focus on what really matters: your studies and experience.

Madrid is one of Europe’s most popular student destinations, offering a great balance between quality of life and affordability.

From accommodation and groceries to public transport and entertainment, understanding your expected monthly expenses can help you build a realistic budget before you move.

The better prepared you are, the more you can focus on enjoying your university experience. 📚

Choosing a university is important, but choosing the right city can have just as much impact on your experience.

While Amsterdam offers a vibrant international environment, it also comes with higher living costs. Groningen, on the other hand, is often a more affordable option for students, with lower rent and everyday expenses.

Before making your decision, compare more than just the university. Take time to research the cost of living, housing, transport and daily expenses to find the option that best fits your budget. 🌍

Managing your money doesn’t have to be complicated.

Simple habits like tracking your expenses, cooking more often, using student discounts and setting a weekly budget can help you stay in control without sacrificing your student experience.

Small changes today can make a big difference over the course of an academic year.

Meet Ioan Alexandru. 🎬

Originally from Romania and currently pursuing a Master’s degree in Directing Cinema and Digital Media at Prague Film School, Ioan is turning his passion into a career.

For many students, studying abroad means balancing tuition fees with everyday living costs. As Ioan shares, the FINS loan helped him cover one year of university tuition, allowing him and his family to focus on managing the rest of his expenses.

Every student’s journey is different, but having the right financial support can make ambitious goals feel much more achievable.

Ready to start your own study abroad journey? 🌍

Impulse purchases happen.

The trick isn’t avoiding every temptation, it’s leaving room for them in your budget.

A realistic budget lets you enjoy student life without the end-of-month panic.