As the cost of living climbs, it is becoming increasingly difficult for students to make ends meet, let alone afford the occasional splurge.

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It's little surprise then that more young women are being tempted by 'Sugar Daddies' who can fund those luxury items and more.

One woman who has taken that plunge is Sydney-based Gemma, a 19-year-old Sugar Baby whose Sugar Daddy, 38, showers her with gifts and gives her a weekly 'allowance' of $1,000.

The 19-year-old architecture student has a passion for designer fashion and good food, so this arrangement suits her well.

Gemma said that she never expected him to support her financially in our relationship but explained that her Sugar Daddy 'is very generous'. She said;

I don't have a lot of daily expenses, so honestly, I use it to buy nice things for myself and friends. I also save a considerable amount of it.

The university student said that she's only told a few close friends about her lifestyle, as many make assumptions about what such an arrangement would involve.