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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    Values can beÌýbuiltÌýon aÌýpersonal level or evenÌýshared atÌýa group level such as a family and friendship group.ÌýHowever, we often see them on a larger scale within communities, countries or even the whole world.Ìý

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    Learning values through reading

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    As an example, let’s have a look at how shared valuesÌýareÌýexplored in theÌýnew graded readers series for young learners,ÌýDisney Kids Readers, where special emphasis has been put on exploring values within a story.ÌýAt the end, you will find severalÌývalue-based activitiesÌýthat you can download for use in the classroom orÌýasÌýan activity at home.Ìý

    HowÌýdo Disney Kids Readers teach core values?

    1. Learning through stories that are already familiar can help children to trust in and take on board the key messages much more easily. Familiarity can break down many barriers to communication and help us understand that values are often universal.Ìý
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    Each Disney Kids Reader is linked to a key valueÌýand contains a ‘Values’ page with aÌýshortÌýcomicÌýstripÌýthat brings to life a specific value.Ìý

    The list below detailsÌýa selection ofÌýkey values taught across the readers.ÌýYou could askÌýthe childrenÌýin your classÌýto talk about which values are most important to them and why. Ask them to give an exampleÌýofÌýa time when they have demonstrated this value in their own lives.Ìý

    Friendship, positivity, curiosity, confidence, open-mindedness, courage, determination, self-belief, responsibility, resilience, respect, honesty.

    Examples of key values inÌýDisney stories

    InÌýThe Jungle Book,ÌýfriendshipÌýis a keyÌývalue,Ìýand we learn that it is important to help our friends. Baloo helps Mowgli when he is alone in the jungle and scared. An angry tiger wants Mowgli to leave the jungle, but when Mowgli meets Baloo, he finds a friend in him. Baloo sees that Mowgli is scared and looks after him.ÌýWe learn that it is important to help our friends when they are in need.Ìý

    Do:ÌýAsk the children when they have helped their friends.

    InÌýInside Out, we learn aboutÌýsincerityÌýandÌýhowÌýimportantÌýit is to talk about how we are feeling. Riley is a teenager struggling with a whole range of emotions and we learn that life isn’t about being happy all the time and that it is okay to be sad sometimes. The children learn that this is a normal part of life and that talking it through with a friend, a parent or a teacher can help.

    Do:ÌýAsk the children if they share their feelings with others.

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    1. My Values Road Sign (L3-4)

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    Download the worksheet

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    Download the worksheet

    3. Core Values Quiz (L5-6)

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    Download the worksheet

    4. My future self (L1-2)

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    Download the worksheet

    Read our blog posts 'Fostering self-care and wellbeing through the world of reading'Ìýand 'The importance of teaching values to young learners'.

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    Fostering self-care and wellbeing through the world of reading

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    Motivating children to read English books with fun activities

    By Nicola Schofield

    Why is reading important?Ìý

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    Ask your students why it's important and create a mind map of ideas. You may alsoÌýwish to use some of the points below to start the conversation. Having a common idea that everyone agrees on can help build motivation and engagement in the classroom.Ìý

    ImprovesÌýlanguage skillsÌý

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    Improves memoryÌý

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    Cultivates curiosityÌý

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    Reduces stressÌý

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    Develops key life skillsÌý

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    RewardsÌýÌý

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