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.

More blogs from ÃÛÌÒapp

  • A woman dressed in a halloween costume smiling holding a cat shaped pumpkin outdoors

    The intriguing etymology of spooky words

    By Charlotte Guest
    Reading time: 4 minutes

    There's a certain allure that surrounds spooky words. Their very sound can send shivers down your spine and their meanings often carry chilling tales of the past. For those who revel in the peculiarities of language, exploring the origins of these eerie expressions offers a hauntingly delightful experience.

    Language is full of mystery and the etymology of words related to the supernatural is no exception. Let's take a closer look at some of the most spine-tingling words in the English language and unearth their origins.

    1.ÌýGhoul

    The word "ghoul" has its roots in Arabic folklore. Derived from the Arabic word "ghūl," it refers to an evil spirit that robs graves and feeds on the dead. This sinister entity first appeared in English texts around the 18th century, becoming synonymous with creatures that haunt our nightmares.

    2.ÌýWitch

    "Witch" is a word steeped in history and lore. Its origins can be traced back to the Old English word "wicce" (for a female witch) and "wicca" (for a male witch). These terms are believed to be linked to the Proto-Germanic root "wikkjaz," meaning "one who wakes the dead." Over the centuries, the image of witches transformed, influenced by cultural narratives and historical events such as the infamous witch trials.

    3.ÌýVampire

    The word "vampire" conjures images of blood-sucking fiends that prowl the night but its linguistic origins are equally fascinating. It likely comes from the Serbian word "vampire," which gained popularity in the 18th century in Western Europe. This term was used to describe beings that rise from the grave to feast on the living, a concept that has since been romanticized in literature and film.

    4.ÌýSpecter

    Derived from the Latin "spectrum," meaning "appearance" or "vision," the term "specter" is often used to describe a ghostly apparition. In the 17th century, it came to be associated with the haunting phantoms that drift through abandoned halls and eerie landscapes. Its spectral connotations are timeless, evoking images of translucent figures and the eerie rustle of bygone whispers.

    5.ÌýZombie

    While the concept of reanimated corpses exists in various cultures, the word "zombie" has its origins in West African folklore. It is derived from the Kikongo word "nzambi," meaning "spirit of a dead person." The term was introduced to the Western world through Haitian Vodou practices and gained prominence in popular culture during the 20th century.

    6.ÌýPoltergeist

    The term "poltergeist" originates from the German words "poltern," meaning "to make noise," and "Geist," meaning "spirit" or "ghost." This eerie word describes a type of supernatural entity that is known for its mischievous and sometimes malevolent behavior, often manifested through unexplained noises or objects moving without apparent cause. Poltergeist occurrences have long featured in folklore and horror stories, capturing the imagination with tales of restless spirits causing chaotic disturbances in the world of the living.

    7.ÌýBanshee

    The word "banshee" is rooted in Irish mythology, deriving from the Old Irish term "bean sídhe," meaning "woman of the fairy mound." Banshees are believed to be heralds of death, their mournful wails seen as an omen that someone is soon to pass away. These spectral figures often appear as women shrouded in gray or white garments, their cries echoing the sorrow and mystery that enshroud their presence. The legend of the banshee has endured in popular culture, continuing to haunt the imaginations of those who hear her tales.

    8.ÌýDoppelgänger

    The term "doppelgänger" originates from the German language, combining "doppel," meaning "double," with "Gänger," meaning "goer" or "walker." It refers to the unsettling phenomenon of encountering one's double, often considered an omen of bad luck or death. In folklore, a doppelgänger is thought to be a spirit or supernatural entity that takes on the appearance of a living person. This eerie concept has been a source of fascination in literature and art, exploring themes of identity and the dual nature of the self.

    9.ÌýWraith

    The word "wraith" has Scottish origins and is commonly used to describe a ghost or apparition, particularly one that portends death. Its etymology is somewhat obscure, though it shares a kinship with words indicating spectral or eerie appearances. Wraiths are often portrayed as shadowy, ethereal figures that linger between the realm of the living and the dead, haunting desolate landscapes with their sorrowful presence.

    10.ÌýMummy

    While the practice of mummification is most famously associated with ancient Egypt, the word "mummy" itself has an intriguing history. Derived from the Persian word "mūmiya," meaning "bitumen" or "asphalt," it referred to the embalming substance used in the preservation process. This term was absorbed into medieval Latin and later English, coming to define the preserved bodies themselves. Mummies have captivated imaginations and spurred countless myths and stories, bridging the gap between ancient rituals and modern horror tales.

    11.ÌýWerewolf

    The word "werewolf" has deep linguistic roots, stemming from the Old English "were," meaning "man," combined with "wulf," meaning "wolf." This term describes the mythical entity that transforms from human to wolf, often during a full moon. Such legends have been present in numerous cultures, with various explanations and lore surrounding the transformation process. The enduring allure of werewolves in fiction and folklore highlights humanity's fascination with the primal, untamed aspects of nature and identity.

    The power of spooky language

    Spooky words hold a unique power over us. Understanding their origins not only enriches our linguistic knowledge but also deepens our appreciation for the stories and cultures that have shaped these words over time.

    For linguaphiles, unraveling the mysteries behind spooky words is a thrilling adventure. Each term carries a legacy, a tapestry woven with tales of terror and wonder. Whether you're penning a chilling tale or simply enjoy the art of language, these eerie expressions continue to captivate and inspire.

  • A woman sat on a sofa with her eyes closed relaxing and medidating

    Improving wellbeing: Language learning with all five senses

    By Charlotte Guest
    Reading time: 3 minutes

    Language learning does not just help us communicate better; it also opens up pathways to personal growth and well-being. By engaging all five senses in the learning process, you can elevate your experience, making it more immersive and enriching. The association of senses can also make it easier to remember words, giving you an excuse to take some time for yourself while still giving you a way of passive learning. Here’s how tapping into your senses can foster wellness through language learning.

  • Two friends smiling at a person in front of them

    Exploring common English homophones

    By Charlotte Guest
    Reading time: 4 minutes

    Navigating the tricky world of homophones can be challenging, especially for English learners. This guide aims to clarify some of the most common homophones and their meanings, helping you use them correctly in your writing.

    What is a homophone?

    A homophone is a word that is pronounced the same as another word but differs in meaning and often in spelling. Homophones can create confusion in writing since they sound identical, yet their meanings and spellings can vary largely. For instance, "pair" refers to a set of two, while "pear" is a type of fruit. Understanding homophones is essential for mastering both written and spoken English, as misuse can lead to misunderstandings.