Studying in the UK: A students' guide to budgeting

app Languages
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.

More blogs from app

  • Students sitting outside a building chatting and smiling together

    Understanding resolutions: Setting your language goals for success

    By Charlotte Guest
    Reading time: 3 minutes

    Millions of people make resolutions every New Year (or any significant milestone). Many learners set inspiring goals to acquire new skills, explore new academic fields, or develop better study habits. But how often do these resolutions stick? And how can you turn your learning-related goals into lasting habits? This post dives into the science of resolutions and practical strategies to make your learning commitments stick.

    Why do learning resolutions fail?

    that the majority of New Year’s resolutions fail by February. When it comes to learning, the reasons often include overly ambitious goals, lack of clear plans and failure to sustain motivation over time.

    One main reason resolutions fail is that they are not specific enough. Goals like "get fit" or "learn a language" are too vague and don’t include steps to take. Without a clear plan, it’s easy to feel lost and lose motivation.

    For example, it’s one thing to decide, “I’m going to learn French this year,” but without a structured plan, consistent practice and measurable benchmarks, the resolve often fizzles out.

    Another factor is having unrealistic expectations. While it's good to be ambitious, setting too high goals can cause frustration and burnout. For example, trying to master a skill in just a few weeks ignores the time and effort needed to improve.

    Distractions and other priorities can slow down progress. Life demands, like work or family, can easily push resolutions aside if they aren't included in everyday routines.

    How long does it take to form a habit?

    One key to sticking to a learning resolution is habit formation. Popular belief often quotes the “21-day rule,” but research says differently. A 2009 study published in the found that it takes an average of 66 days to form a new habit.

    However, this number varies based on personal factors, the difficulty of the habit and the surroundings. For instance, if your goal is to study for 20 minutes each day, it may feel more comfortable after a few weeks of practice. In contrast, picking up a harder learning habit, like spending two hours a day studying Mandarin grammar, could take much longer to become a regular part of your routine.

    Strategies for making resolutions stick

    1. Start small and specific

    Instead of setting a big goal like “become fluent in Spanish," set smaller, easy-to-reach goals. For example, try "learn 10 new Spanish words each day" or “listen to one Spanish podcast each week.” This makes your goal seem less overwhelming and helps you feel accomplished over time.

    that mixing big-picture goals with small, specific ones can be a useful way to stay on track when working toward long-term objectives.

    2. Use the power of routine

    Connect your new learning habit with one you already do. This is called “habit stacking.” For example, if you have coffee every morning, decide to study for 15 minutes as you finish your drink. Linking the new habit to a routine you already have makes it more likely to stick.

    3. Track your progress

    Keeping track of your learning helps motivate you and shows where you can improve. Whether you check off lessons in a language learning app like Mondly by app or write notes in a journal, seeing what you’ve accomplished keeps you interested.

    4. Build accountability

    Tell your friends, family, or study groups about your learning goals. When someone else knows your goal, it can help you stay on track. It’s even better to join a community of others who want to learn, like on social media or in online classes.

    People who do well often set clear, achievable goals and share them with friends for support.

    5. Reward yourself

    Small rewards can go a long way toward maintaining motivation. Celebrate milestones with meaningful perks, such as a favorite treat, an afternoon off, or buying yourself a book on the subject you're learning.

    6. Anticipate and plan for setbacks

    Life happens—sometimes work is stressful or things go wrong. Remember that missing a day or getting behind doesn’t mean you've failed. Keep going by recognizing challenges and getting back to your study plan with fresh motivation.

    7. Don’t fear failure

    Mistakes are part of progress. Every mispronounced word or awkward conversation is a step closer to fluency.

    8. Reassess and adjust goals

    If your language learning plan isn’t working, change it. If weekly goals seem too much, try monthly goals instead. The key is flexibility.

    The reward of resolutions

    Keeping resolutions can be tough, but the benefits are great. Picture yourself reading a book in your target language, traveling more easily, or making stronger friendships with people from different cultures. With determination and these tips, you can achieve your language learning goals.

    Start today -Whether it's January or June, it's never too late to set new goals. Draft a language learning plan, break it into small steps, and watch as each day brings you closer to your destination.

  • A teacher leaning over a desk in a classroom talking to her students, some who have their hands up in the air

    Educator wrapped 2024: A year in review for educators

    By Charlotte Guest
    Reading time: 3 minutes

    As the year comes to a close, it’s time to reflect on the highlights, achievements and innovations that shaped education in 2024. For educators everywhere, this has been a year of growth, adaptation and pushing boundaries to empower both students and teachers. Whether you’ve been focused on refining your teaching practices or adopting new educational technologies, there’s plenty to celebrate and learn from this year.

    Here’s a look back at some of the major app Languages educator highlights in 2024.

  • A room of students working together at tables with laptops, tablets and notes

    Fun end-of-year activities to keep learners engaged

    By Charlotte Guest
    Reading time: 3 minutes

    The end of the school year can be bittersweet. Students are excited for the holidays, but teachers have the tricky task of keeping their attention as focus starts to fade. The upside? It’s the perfect chance to make this time fun, memorable and engaging with creative classroom ideas that really stick. Here's a list of end-of-year school activities to ensure your students stay motivated all the way to the final bell.

    1. End of year projects

    Longer projects are perfect for the end of the year because they encourage deeper engagement. Here are a few ideas to try out.

    • Class memory book: Ask students to contribute to a collaborative memory book filled with drawings, photos, or written reflections on their favorite moments of the year.
    • Passion projects: Give students the chance to dive into something they’re really interested in and wrap it up with a fun presentation or creative display.
    • Local impact projects: Challenge your learners to brainstorm ways to support their local community. They could develop a plan or even implement their ideas.

    2. Holiday-themed school activities

    With the festive season approaching, it’s the perfect excuse to blend learning with holiday cheer.

    • Cultural exploration: Encourage students to research and share how different cultures celebrate the holidays, fostering inclusivity and curiosity. They can also share how they celebrate the end of the year and any New Year traditions.
    • Art session: Organise a holiday craft-making session where students create ornaments, cards, or posters. Encourage students to write and create cards to take home to their loved ones.

    3. Interactive learning games

    Interactive games are an easy way to maintain focus and excitement.

    • Trivia challenges: Create trivia questions about topics covered during the year—bonus points for including playful or funny questions about inside jokes or class moments.
    • Escape room activities: Turn your classroom into an educational escape room with puzzles, problem-solving challenges and hidden clues.
    • AI Guess Who: Most AI chatbots will let you play games like Guess Who; play this with the class to liven things up.Let them take turns to guess who the chatbot is thinking of. You can also use '.

    4. Group activities

    Encourage collaboration with team tasks that bring students together.

    • Talent show: Give students the chance to showcase their talents, from singing and dancing to magic tricks and storytelling. It can be a great way to encourage them to practice language skills.
    • Debate tournaments: Divide your class into teams and set them up for friendly debates on fun or meaningful topics.
    • Story circles: Build stories as a group by having students take turns adding to the tale.

    5. Creative classroom ideas

    Don’t hesitate to think outside the box with these unique ideas:

    • Class awards ceremony: Create fun and light-hearted awards for each student, such as “Best Scientist” or “Most Curious Learner.”
    • Time capsule creation: Have students write letters to their future selves or fill a box with objects representing the year.
    • Themed classroom party: Use a theme, such as a tropical luau or winter wonderland, to bring the class together for a fun party with food, games and music.

    6. Classroom party ideas

    Every great year deserves a great finish. Host a lesson that brings your students closer together.

    • Movie afternoon: Set up your classroom and dim the lights to create a cinema atmosphere for a class movie.
    • Game board bonanza: Bring in board games and allow students a relaxed day of friendly competition. If none are available, get students to create their own games.

    Keep the learning spirit alive

    The end of the school year doesn’t have to signal the end of learning. With a bit of creativity, teachers can make the last weeks of school productive and enjoyable. From fun classroom activities to meaningful year-end projects for students, these ideas will set the stage for a memorable finish.