Are you in the US? If your university gives you benefits such as medical insurance, flexible spending plan, access to student recreation center, etc., make sure you are maximizing your use of those. For example, when I was in grad school we got mostly the same benefits as employees, minus the access to retirement accounts. I used the rec center, student health clinic, and used the flex spending plan to pay for medical expenses with pre-tax dollars. Also, take advantage of any career development seminars, advising, mock interview practice, resume critique, and mentoring from alumni your school may offer. Grad school will treat you like cheap labor, but there are actually a lot of nice resources for students if you look around. Also I definitely recommend starting a Roth IRA if you haven't already, using automatic withdrawal from your paycheck.