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

  • Two coworkers stood together smilng and looking at a tablet together

    Corporate wrapped 2024 : A year in review

    By
    Reading time: 3 minutes

    At app Languages, 2024 has been a landmark year full of innovation, connection, and impactful resources for businesses worldwide. We’ve worked on so many things with the aim to empower global workforces and help organizations unlock the potential of language skills to drive business success. Here's how we made a difference this year.

  • Teacher and primary school students colouring

    Planning effective ESL lessons for the upcoming year: Tips and ideas for teachers

    By Sam Colley
    Reading time: 4 minutes

    As the new year approaches, it's the perfect time to reflect on our teaching practices and plan engaging, effective lessons for our English as a Second Language (ESL) students. Thoughtfully crafted lesson plans can make a significant difference in the learning outcomes and engagement levels of your students. Whether you're teaching young children, teenagers, or adults, the principles of effective lesson planning remain consistent. Here are some ideas, hints and tips to help you create dynamic and successful ESL lessons for students of all ages.

    Start with clear learning objectives

    Begin each lesson with clear, achievable objectives. What do you want your students to learn by the end of the lesson? Objectives provide a roadmap for both you and your students, ensuring that everyone is focused and aware of the goals. For example, an objective might be "Students will be able to use past tense verbs to describe their weekend activities." Clear objectives provide direction and help you measure student progress.

    Incorporate a variety of activities

    To cater to different learning styles and keep students engaged, incorporate a mix of teaching methods and activities. Here are a few ideas:

    • Listening: Use audio recordings, songs, or podcasts to improve listening skills.
    • Speaking: Organize pair or group discussions, role-plays, or presentations to enhance speaking abilities.
    • Reading: Provide a variety of texts such as articles, short stories, or dialogues.
    • Writing: Assign tasks like journal entries, essays, or creative writing exercises.
    • Homework activities: For something outside of the classroom, a nature walk or a recipe can be used to help learn specific vocabulary.

    Use authentic materials

    Authentic materials—such as newspapers, menus, brochures and videos—expose students to real-world language and contexts. These materials can make lessons more interesting and relevant, helping students see the practical application of their language skills. Even better, they’re everywhere, so easy to find. Here are some more suggestions for how to select and use authentic materials in your English language teaching.

    Integrate technology

    Teachers are already used to leveraging technology to enhance lessons utilizing online resources, language learning apps and interactive platforms to create a dynamic learning environment. Why not take this a step further by using AI to create your own resources. Take a look at our blog on How to make the most of AI in the classroom for some more ideas.

  • Teacher sat at a desk smiling at her students

    Goal setting and planning with the GSE for the new year​

    By
    Reading time: 4 minutes

    How can teachers use the Global Scale of English (GSE) and AI to help students set and achieve language learning goals for the new year?

    As the new year rolls around, it’s the perfect time for students to set fresh language learning goals. But for teachers, it’s not just about inspiring students—it’s about giving them clear, measurable goals that they can actually achieve. That’s where the GSE, a very powerful tool, comes in. It can help teachers create personalized learning paths based on where students are right now and guide them toward their language goals throughout the year. Let’s dive into how the GSE can work to boost student progress.

    What makes the GSE such a valuable tool?

    The GSE is a precise framework that measures English proficiency with remarkable detail. Each score on the GSE aligns with specific speaking, listening, reading and writing competencies. For instance, a student with a GSE score of 50 might handle everyday conversations comfortably (B1 level), while a score of 75 indicates functioning at a more advanced level (C1).

    What sets the GSE apart is its granularity—it goes beyond general levels of "intermediate" or "advanced," allowing teachers to identify exactly what their students can do at any stage. This level of detail enables teachers to set targeted, skill-specific goals for every learner, ensuring personalized and purposeful progression.

    Assessing where students currently stand

    Before setting goals, it’s important to determine each student’s current standing. The GSE is an excellent tool for this because it provides a detailed breakdown of a student's skills. Teachers can use GSE-aligned assessments to pinpoint strengths and weaknesses, which gives a clearer picture than just knowing if a student is at an “intermediate” or “advanced” level.

    Once you know where students are, you can set a baseline. For instance, if a student’s reading score is 52, you’ll know that they are likely in the B1 range, and you can target specific skills (like improving vocabulary or understanding main ideas) to move them forward.

    Setting realistic, measurable goals

    Now that you know where each student stands, it's time to set some goals. These should be realistic, measurable and achievable based on their current level and the time span involved. The key is to pick goals that will push them to improve without overwhelming them. The GSE has detailed descriptions of what students can do at each level. You can pinpoint specific skills that need attention by looking at these descriptors. We know that large goals can feel intimidating, so break them into smaller, manageable chunks. Here, the GSE is an amazing resource, thanks to its granularity.

    Personalising learning with AI and the GSE

    Using the GSE Learning Objectives (LOs) in conjunction with an LLM (Large Language Model)* opens up a world of possibilities for creating focused activities at the right level for each student. Here are some key points on how this combination enhances personalized learning:

    • Individualized content: LLMs can generate targeted prompts and exercises based on the specific GSE LOs relevant to each student's proficiency level. This ensures that learners engage with content that is appropriate and aligned with their language goals.
    • Tailored language practice: By incorporating an LLM into lessons, teachers can provide students with interactive language practice that adapts to their needs. ChatGPT can simulate conversations, allowing students to apply their language skills and receive immediate feedback in a supportive environment.

    By combining the GSE LOs and harnessing the power of an LLM like ChatGPT, teachers can create personalized activities that cater to individual students' language needs, promote active learning, and foster continuous improvement.

    *Disclaimer:Teachers should check and verify the level based on their understanding of their students, as LLMs like ChatGPT may notassess levels accurately. While GSE Learning Objectives can assist, it's essential to check and adjust its outputs accordingly. This could involve consulting GSE Grammar and Vocabulary to confirm appropriate levels or utilizing the Text Analyzer to ensure the text aligns with the desired level.

    What comes next?

    Setting goals is just the start—tracking progress and adjusting those goals as needed is just as important. Throughout the year, teachers should regularly check in with students to make sure they’re on track. How can we monitor and adjust? Here are some tips.

    Teachers should schedule regular one-on-one sessions with students to review their progress. The GSE can clearly show students their progress.

    If students are achieving their goals faster than expected, adjusting their targets is important to keep them challenged. If they’re struggling, the goals might need to be more achievable, with smaller, more gradual steps.

    Using the GSE can help students set clear, measurable goals and steadily progress throughout the year. By assessing where students are starting, setting specific GSE-based goals, creating personalized learning paths with AI, and continuously tracking progress, teachers can create a more dynamic and effective learning experience for their students. The new year is the perfect opportunity to help students improve their English and achieve their goals—and with these tools, teachers have everything they need to guide students toward success.