Start by estimating the main costs for the academic year, including accommodation, transport, food, books and college charges, then set a realistic monthly savings target. Keeping money for near-term expenses in an accessible savings account can make budgeting easier, while longer-term savings may need different considerations and should not be exposed to risks you cannot afford. Check whether you or your student may qualify for grants, scholarships or other supports through SUSI and Citizens Information. Savings account rates, fees and tax treatment can change, so confirm the current details with the provider and Revenue.