Studying in the UK: A students' guide to budgeting

A man smiling in a coffee shop, with a coffee in one hand and paying for it with his card in the other

Studying at a UK university can be an amazing experience, but it comes with financial obligations. If you're thinking about studying abroad, it's essential to thoroughly research the cost of living in the UK and create a budget that works for you.

We’ve created a simple guide to help you get an idea what to think about when it comes to researching the living expenses in the UK for international students. To make sure you're prepared before you head off to the UK.

Consider all costs

As you prepare for your trip abroad, there are various expenses you'll have to pay for before leaving your country. These one-time expenses include fees for a UK student visa, university fees for international students, and course materials.

Although these costs can be significant, it's important to include them in your budgeting.

Recurring expenses

After moving to the UK, you will have regular expenses to take care of such as rent, transportation, household and phone bills. These expenses remain consistent throughout the year and can be easily planned for.

Unplanned expenses

As an international student in the UK, you may face various living expenses that can vary based on your individual circumstances.

For example, If you often travel on weekends or spend a lot of time going out with your friends, it's best to overestimate those expenses.

It's important to consider your expenses for socializing, shopping for clothes, and pursuing hobbies. If you have a limited budget, it's crucial to monitor these expenses closely.

Researching the cost of living in your area

If you're planning to study in the UK, keep in mind that the cost of living will depend on your location. Living in a big city versus a small town can result in significantly different accommodation costs.

For instance, the average one-bedroom rental can range from £1100 in a smaller city like Oxford to £1,695 in metropolitan London.

If walking isn't an option for you, then you should consider budgeting for transportation. In Glasgow, a monthly pass for public transportation costs £63, while in Manchester, it will cost you £74.

If you're someone who likes to stay active and exercise, you may also need to account for workout costs. Even with student discounts, joining the university gym in Cambridge will cost students about £35 per month, compared to £22 at the on-campus facilities in Leeds.

Where to find local information

Before deciding where to study, it's important to research the cost of living in different cities and regions to ensure it fits within your budget due to the variation in costs.

Do you know any international students who have studied at the university you plan to attend? Or is there a student organization you can contact for information?

Reaching out to current students can provide insight into their daily expenses and they might even offer great tips on where to find good deals or places to avoid.

The cost of student housing varies based on the type of accommodation you prefer. Are you interested in living on campus, renting your own place, or sharing with fellow students off campus? Most schools provide comprehensive details about housing options, including contact information for potential roommates, landlords, or homestay families.

Handy tip:

To help with budgeting as a student in the UK, you can use a like the one provided by the Universities and Colleges Admission Service (UCAS).

The calculator also offers the convenience of selecting your school from a list for accurate local costs.

Part-time UK jobs for international students

With all these expenses, a bit of extra income would be helpful for any student. One possible way to supplement your finances during your studies is through tutoring. You can consider tutoring children or your fellow students at the university. It's important to note that international students are allowed to work up to 20 hours per week during the school year while on a student visa.

Your university's career center can assist you in finding part-time work opportunities, especially if you are looking to gain experience in your field of study. Maybe you're looking to work in a pub or restaurant to improve your English skills and experience the local culture.

Scholarships are available for both undergraduate and postgraduate studies, either directly from universities or through government initiatives. Non-EU nationals seeking postgraduate studies can apply for .

An example of a student budget

Although it may seem overwhelming, estimating your cost of living only requires a few calculations. Simply add up your fixed and variable expenses, as you would if you were living in your home country.

As a helpful reference, we have provided an example of a monthly budget for a student living in Nottingham. The budget is calculated using average spending data obtained from a UK student budget calculator.

Item

Cost

Rental apartment

£385

Transportation (monthly pass with student discount)

£49

Utility bills (electricity, gas, water, etc)

£46

Gym membership (university gym)

£23

Phone and internet

£27

Grocery shopping

£73

Bank fees

£30

Clothes and personal items

£50

Takeaway and eating out

£70

Total

£753

It's common to come across discounts for students, like deals on food at campus eateries, special phone plans, or lower prices at certain shops and restaurants.

Don't miss out on these opportunities and make sure to ask about them. Keep in mind that this budget doesn't cover expenses for shopping or hobbies, so take those into account based on your individual situation.

If you're able to work while studying abroad, it can help ease some of the financial strain. UK residents who require additional support may be eligible for .

There are lots of regarding financing and budgeting whilst abroad, so make sure to do your research and check them out.

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    AI-integration strategies

    There are many ways in which educators can integrate AI responsibly, while encouraging our learners to do so too.

    1.ÌýRedesign tasks to make them more ‘AI-resistant’

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    As English teachers, we’re usually the ones helping others grow. We guide learners through challenges, celebrate their progress and push them to reach new heights. But what about our own growth? How do we, as educators, continue to develop and refine our practice?

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    I first encountered the GSE while exploring ways to better personalize learning objectives in my Business English classes. As a teacher in a non-formal education setting in Indonesia, I often work with students who don’t fit neatly into one CEFR level. I needed something more precise, more flexible, and more connected to real classroom practice. That’s when the GSE became a turning point.

    Reflecting on our teaching practice

    The GSE helped me pause and reflect. I started reading through the learning objectives and asking myself important questions. Were my lessons really aligned with what learners at this level needed? Was I challenging them just enough or too much?

    By using the GSE as a mirror, I began to see areas where I could improve. For example, I realized that, although I was confident teaching speaking skills, I wasn’t always giving enough attention to writing development. The GSE didn’t judge me. It simply showed me where I could grow.

    Planning with purpose

    One of the best things about the GSE is that it brings clarity to lesson planning. Instead of guessing whether an activity is suitable for a student’s level, I now check the GSE objectives. If I know a learner is at GSE 50 in speaking, I can design a role-play that matches that level of complexity. If another learner is at GSE 60, I can challenge them with more open-ended tasks.

    Planning becomes easier and more purposeful. I don’t just create lessons, I design learning experiences that truly meet students where they are.

    Collaborating with other teachers

    The GSE has also become a shared language for collaboration. When I run workshops or peer mentoring sessions, I often invite teachers to explore the GSE Toolkit together. We look at learning objectives, discuss how they apply to our learners, and brainstorm ways to adapt materials.

    These sessions are not just about theory: they’re energizing. Teachers leave with new ideas, renewed motivation and a clearer sense of how to bring their teaching to the next level.

    Getting started with the GSE

    If you’re curious about how to start using the GSE for your own growth, here are a few simple steps:

    • Visit the GSE Teacher Toolkit and explore the learning objectives for the skills and levels you teach.
    • Choose one or two objectives that resonate with you and reflect on whether your current lessons address them.
    • Try adapting a familiar activity to better align with a specific GSE range.
    • Use the GSE when planning peer observations or professional learning communities. It gives your discussions a clear focus.

    Case study from my classroom

    I once had a private Business English student preparing for a job interview. Her speaking skills were solid – around GSE 55 – but her writing was more limited, probably around GSE 45. Instead of giving her the same tasks across both skills, I personalized the lesson.

    For speaking, we practiced mock interviews using complex questions. For writing, I supported her with guided sentence frames for email writing. By targeting her actual levels, not just a general CEFR level, she improved faster and felt more confident.

    That experience reminded me that when we teach with clarity, learners respond with progress.

    Challenges and solutions

    Of course, using the GSE can feel overwhelming at first. There are many descriptors, and it can take time to get familiar with the scale. My advice is to start small: focus on one skill or one level. Also, use the Toolkit as a companion, not a checklist.

    Another challenge is integrating the GSE into existing materials, and this is where technology can help. I often use AI tools like ChatGPT to adjust or rewrite tasks so they better match specific GSE levels. This saves time and makes differentiation easier.

    Teachers deserve development too

    Teaching is a lifelong journey. The GSE doesn’t just support our students, it also supports us. It helps us reflect, plan, and collaborate more meaningfully. Most of all, it reminds us that our growth as teachers is just as important as the progress of our learners.

    If you’re looking for a simple, practical, and inspiring way to guide your professional development, give the GSE a try. It helped me grow, and I believe it can help you too.

    Additional resources