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Honestly, I didn't have any problem with finance during this period I am schooling, but still I did same as you, I don't fancy eating in a restaurant nor do I spend on clothes unless my old clothes need to be changed...
Not many people had financial issues while in school, but then, that didn't stop them from managing their resources properly and not spend extravagantly. All those fancy things are actually not my thing, even till date. Unless necessary, I don't purchase things like clothes and the rest.