<p>If you are cold then dress more appropriately. Are you wearing long underwear? I assume since your family lives in this climate that you must own appropriate clothing, but maybe you need a better, longer coat. And the walking is good exercise. If these short walks are exhausting you, I think you should see a doctor, because that should not be exhausting for a young person. Also, it might be worth investing in a good set of noise-cancelling earphones–they are expensive but if the noise is keeping you from studying on the tram, it could buy you a lot of study time. </p>
<p>You say you’re working 14 hours per week doing chores for your family. Do you believe you could earn enough to pay for room and board with a student job on those hours? If so, then get a place close to campus. If not, then recognize that your family is subsidizing you. And if you had your own place, who would <em>still</em> be doing the chores?</p>