I starting working before I went to uni in order to pay tuition fees and living expenses up front fr those 3 years and not take out a loan. I just dont pay for things I can't afford. Thankfully public transport is good so I don't need a car. I'll crash at my parents place or stay with friends until I get a stable job (I don't mind sleeping on the floor
Plus... I'm pretty anal about money. I write every dollar I spend in a ledger.