Written By Utsav Bhatta on September 03, 2026
First $1,000 in Australia: Where Should It Actually Go?
Moving to Australia
as an international student is exciting, but your first few weeks can also be
financially overwhelming. Between accommodation, groceries, transport, a phone
plan and all the little things you suddenly need to buy, $1,000 can disappear
surprisingly quickly. So, if you have your first $1,000 ready after arriving in
Australia, where should it actually go?
Before breaking down your first $1,000, it is important to understand that this money is only your starting point. For a broader breakdown of what international students should budget for, see our guide on Cost of Living in Australia: What Students Really Need to Budget.
1. Accommodation: $350
Your biggest expense will usually be accommodation. Depending on your city and living arrangement, your actual rent can vary significantly, but setting aside around $350 from your first $1,000 is a sensible starting point. If you are staying in temporary accommodation while searching for a longer-term place, this amount may need to be higher.
Tip: Don't rush into signing a rental agreement just because you are worried about finding somewhere to live. Take time to understand the costs, conditions and location before committing.
2. Groceries: $150
You do not need to spend hundreds of dollars eating out during your first week. Set aside around $150 for groceries and focus on simple, affordable meals. Rice, pasta, vegetables, eggs, bread, oats and other basic ingredients can help you get through your first few weeks without constantly ordering takeaway. Learning to cook a few reliable meals can make a noticeable difference to your student budget.
Pro tip: Compare supermarket prices and look for weekly specials before doing a big shop.
3. Transport: $50
Getting around will be another early expense, especially if you are travelling between your accommodation, campus, work and shops. Keep around $50 aside for your initial transport costs. Your actual spending will depend on your city, travel frequency and available student concessions. Before you start travelling regularly, check what public transport options and concessions are available to you.
4. Phone and Internet: $30
Having an Australian mobile number will make your first few days much easier. You will likely need it for communication, job applications, banking, university services and staying in contact with your accommodation. You do not necessarily need an expensive plan. Compare prepaid and monthly options and choose something that gives you enough data without locking you into unnecessary costs.
5. Essential Items: $120
This is the category where new students can easily overspend.
You may suddenly need things such as:
Set yourself a limit of around $120 and prioritise what you genuinely need. Before buying something, ask yourself: "Do I need this right now, or can it wait?" That simple question can save you a surprising amount of money.
6. Emergency Fund: $200
This is arguably the most important part of your first $1,000. Try to keep around $200 untouched. Unexpected expenses can happen at any time. You could lose your phone, need urgent transport, have an unexpected medical expense or simply find yourself spending more than planned during your first few days. Having emergency money means you do not have to panic when something unexpected happens. Treat this $200 as if it does not exist.
7. Fun and Socialising: $50
Yes, you are allowed to have fun. Moving to a new country is about more than studying and budgeting. You will want to explore your new city, meet people and experience Australian life. Give yourself around $50 for something enjoyable, whether that is a coffee with new friends, a cheap meal out or a low-cost activity. The key is to enjoy yourself without turning every social invitation into a major expense.
Your First $1,000 Should Buy You Time, Not Just Things
The goal of your first $1,000 should not be to create the perfect student lifestyle immediately. It should give you enough breathing room to settle in, understand your surroundings, find your routine and make better financial decisions. You will have plenty of time to upgrade your room, explore restaurants and buy things you want. For your first few weeks, focus on what you need, keep an emergency buffer, and avoid spending money simply because you have just arrived. A little planning at the beginning can make your transition to life in Australia much easier.