Studying in the UK: A students' guide to budgeting

ɫèAV 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.

Check out our tests to support your study journey

More blogs from ɫèAV

  • Grammar 101: insider tips and tricks to instantly improve your writing (part 4)

    By
    Reading time: 7 minutes

    Punctuation makes your writing easier to read and understand, but it can be tricky to master. As an editor and proofreader, I often notice people confusing semi-colons and colons, so we'll explore the difference between them. And because both are often used in lists, we'll also look at the humble comma – and its sometimes-controversional cousin, the Oxford comma.Ìý

    Semi-colons and colons both connect phrases in a sentence but are used in different situations.Ìý

    Understanding colons

    Colons introduce important information and explanations. They're often used before lists as a replacement for phrases like "they are" and "which is":

    • He offered me a choice of drinks: tea, coffee or hot chocolate.Ìý
    • I packed the essentials in my bag: water, pens and a magazine.Ìý
    • She speaks three languages: English, French and Portuguese.Ìý

    You can also think of a colon as a spotlight, with the phrase that comes after the colon explaining or expanding what came before it.Ìý

    • In 1903, travel was changed forever by an important event: Orville and Wilbur Wright's first successful flight.
    • He loves visiting the animals at the farm: cows are his favourite.Ìý
    • There is one rule I live by: I treat others as I wish to be treated.

    The secrets of semi-colons

    A semi-colon links two ideas that are closely related and that would be two complete sentences if you used a period instead. They give a softer transition than a period would, and they're often used instead of conjunctions like "and", "but" and "because":

    • I love eating pizza; my sister loves eating burgers.
    • I wanted to go for a swim; I couldn't find my goggles.Ìý
    • It was the best of times; it was the worst of times.

    Semi-colons also seperate items in long lists to make life easier for the reader and stop a sentence becoming a sea of apostrophes. For example:

    • I've got my shopping list ready: peppers, carrots and oranges from the market; toothpaste, shampoo and pain relief from the drugstore; and a newspaper, snack and drink from the newsstand. Ìý

    Standard comma or Oxford comma?

    An Oxford comma goes before "and" or "or" at the end of a list. The first example has an Oxford comma, the second doesn't.Ìý

    • Please bring me a sandwich made with cheese, lettuce, and tomato.Ìý
    • Please bring me a sandwich made with cheese, lettuce and tomato.Ìý

    American English generally favors the Oxford comma, British English typically omits it, unless needed for clarity. Compare:

    • I love my parents, Taylor Swift and Keanu Reeves.
    • I love my parents, Taylor Swift, and Keanu Reeves.Ìý

    As with many areas of punctuation, whether you choose to use the Oxford comma is a matter of personal preference. However, the most important thing is to be consistent in your usage.Ìý

  • A person in a denim jacket and striped shirt holds glasses and a notebook, standing by a window with bright daylight.

    What happens in the brain when you learn a language?

    By
    Reading time: 7 minutes

    Whether you’re picking up Spanish for travel, Mandarin for business or French just for fun, you’re not only expanding your communication skills, you’re also giving your brain a powerful workout. But what actually happens inside your brain when you learn a language?Ìý

    The brain’s language centers

    Your brain is made up of many parts and two areas are significant for language:

    • : Located in the frontal lobe, this region helps you produce speech and form sentences.
    • : Found in the temporal lobe, this area helps you understand spoken and written language.

    When you start learning a new language, these areas get busy. They work together to help you listen, speak, read and write in your new language (Friederici, 2011).

  • What’s it like to teach English in Nepal?

    By
    Reading time: 3 minutes

    Anandi Vara was trained in teaching English in Kathmandu, Nepal before teaching at a monastery in Pokhara. There she taught students ranging from six to 10 years of age, both in groups and individually. Here she reveals the lessons she learned during her time thereÌý– including how to avoid being perturbed by a cockroach attack.

    Whatever you do: don’t freak out

    It just makes everything worse. It’s easy for things to get overwhelming – a sense that can be made worse by the feeling of homesickness, especially if it’s your first time living abroad – but thinking rationally, and getting to the source of what’s causing the worry, usually helps. It’s important, as you don't want to share your fear in lessons because you’re the teacher and need to show confidence.

    This was, however, tested to the limit when I had a cockroach dangled in front of my face. It took all my strength to stay calm. I gave an unimpressed look, thereby establishing myself as the figure of authority, which seemed to work.

    Be aware of cultural traditions

    It is important to remember that every country has its own traditions. I was teaching in a monastery, so I made sure to wear respectful clothing, even in the face of soaring temperatures. The more I learned about the Tibetan culture, the more fascinated I became by it. The students taught me how to write my name in Tibetan and the meaning behind it. I learned about Tibetan history and Tibetan culture.

    I also found that the more I showed willingness to learn about the Tibetan culture, the more I bonded with the students, so that when it was time to teach, the students were more cooperative in lessons, engaging and participating more.

    Teaching is two-way learning

    There is so much I learned teaching abroad, both in the classroom and out. Making mistakes as you begin is only natural, but it’s whether you can learn from these mistakes that counts. No two students are ever the same so it’s a constant process of learning as you go. As a result, I learned about the environment I was in – from traditional prayer ceremonies to the Tibetan alphabetÌý– and about myself, notably organizational skills and a renewed curiosity about the English language.

    Be Flexible

    Sometimes it doesn’t matter if you’ve planned your lesson down to the smallest detail – if it doesn’t take, then it doesn’t take. I was only 10 minutes into a lesson once and I could tell that I was beginning to lose the students’ attention. Not only did it show that they were uninterested, it also distracted me from what I was doing. It was at this point that I threw out my existing plan and tried a whole new lesson: I had the students up on their feet and engaging with each other and, although completely improvised, it was very successful.

    Patience is a must

    During my one-on-one mentoring session, my student seemed to have no motivation. He wasn’t learning as well as the other students and had therefore given up. No matter what I tried, he refused to cooperate, but I didn’t let it put me off. I kept trying different methods until finally finding one that he responded to. I made sentence structuring into a game. It wasn’t anything fancy and consisted of scraps of paper with words written on them.

    Although it took a lot of time to find the right angle, it was worth it because he soon realised that although it might take longer for him to pick things up, he would eventually get there and have a greater sense of accomplishment.