How to Manage Living Expenses in Belgium on a Student Budget

Understand the Average Cost of Living in Belgium

The average monthly budget for a student in Belgium ranges from €850 to €1,200. This amount typically includes rent, groceries, transportation, phone and internet, and leisure activities. Living costs vary depending on the city. Brussels, Leuven, and Ghent tend to be more expensive, while cities like Liège or Namur are generally more affordable. Accommodation usually represents the biggest expense, followed by food and transport.

Choose Student-Friendly Accommodation

Choosing the right housing is one of the most effective ways to save money. In Belgium, student rooms—called kots—are a popular and budget-friendly option, often cheaper than private apartments. Sharing a flat with other students can also help cut costs. Many universities provide on-campus residences at reduced rates, so be sure to reach out to their housing office. Before signing a lease, check what’s included in the rent—especially essentials like heating, electricity, and internet.

Cook at Home Instead of Eating Out

Food is another major area where you can save. Cooking your own meals is much cheaper than eating out regularly. Shopping at budget supermarkets such as Aldi or Colruyt can help reduce your grocery bill. University cafeterias usually offer complete meals at student-friendly prices((menus around €4–€6)), making them a convenient and affordable option for lunch. While trying local food in restaurants is part of the cultural experience, keeping it occasional can make a big difference in your budget.

Take Advantage of Student Discounts

As a student in Belgium, you’ll have access to numerous discounts. Public transport systems across the country offer reduced fares for students. For example, students under 25 in Brussels can get a monthly pass for a very low cost. You can also benefit from discounts on museum entries, cultural events, sports activities, and even in some cafés or shops. Consider getting an International Student Identity Card (ISIC) to access even more deals locally and across Europe.

Get Around with Public Transport or a Bike

Belgium’s transportation system is efficient and student-friendly. Rather than relying on taxis or ride-hailing apps, take advantage of public transport. Many regions offer discounted student passes, making daily commuting much more affordable. In bike-friendly cities like Ghent and Leuven, cycling is a top choice. Investing in a second-hand bike is a smart move — it’s cost-effective, environmentally friendly, and good for your health.

Open a Local Student Bank Account

To avoid fees from international transactions, opening a Belgian bank account is a smart choice. Most banks offer free student accounts, often with user-friendly mobile apps to help you manage your money on the go. A local account also simplifies receiving part-time job payments and handling rent or utility transfers efficiently.

Plan and Track Your Budget

Creating a clear monthly budget is essential. Start by listing your fixed costs, such as rent, transportation, and subscriptions, then estimate your variable expenses like food and entertainment. Use budgeting apps like Tricount or Bankin’ to monitor your spending and avoid surprises. Keeping a small buffer for emergencies or unexpected costs can also provide peace of mind.

Work Part-Time to Supplement Your Income

International students in Belgium are allowed to work up to 20 hours per week during the academic year, and full-time during official holidays, provided they have a valid student residence permit. Part-time jobs in restaurants, shops, or on campus are popular among students. Job platforms like StudentJob or Indeed list opportunities specifically targeted at student workers.

Explore Financial Aid Opportunities

Many Belgian universities provide financial support for students facing economic challenges. This can include merit-based scholarships, emergency assistance, or social aid. If you’re from a country eligible for development cooperation, you might also qualify for grants through programs like ARES. Be sure to contact your university’s student services to learn about the options available to you.

Reduce Health Insurance Costs

Health insurance is mandatory for international students. If you’re from outside the EU, you’ll need to register with a Belgian mutuelle such as Partenamut or Solidaris. These organizations offer affordable health coverage specifically tailored for young people. Alternatively, you can start with an international student insurance plan and switch once you’re registered in Belgium.

Final Tips to Stretch Your Budget

Buying and selling second-hand items on platforms like 2ememain.be is a great way to save on everyday essentials. For travel within Belgium or neighboring countries, student railcards offer significant discounts. Consider bundling your mobile and internet plans to cut down on monthly expenses. And to avoid overdraft fees, keep a close eye on your account and track your spending regularly.

With a bit of planning and discipline, living in Belgium as a student is entirely manageable. From choosing affordable housing and cooking at home to using student discounts and local resources, you can make the most of your time abroad—without overspending.