Studying at a UK university as an international student can be an enriching and transformative experience. However, it’s important to be well-prepared financially to ensure a smooth transition and a successful academic journey.

Here is a simple guide to help you get an idea of what to consider when researching living expenses in the UK. 

Compulsory Costs 

Tuition Fees

Start by knowing what the tuition fees for your chosen course are. These fees can vary depending on the university, the course, and whether you are an EU or non-EU student. Check the official websites of the universities you are interested in for the most up-to-date information. Take note of any scholarships, grants, or bursaries offered by the universities or external organizations that can help make up for the costs.

Accommodation 

Housing costs will be a significant part of your living expenses. UK universities typically offer various types of accommodation, including halls of residence and private rentals. The cost of accommodation varies depending on the location, type of accommodation, and whether it is on-campus or off-campus. Research different options and compare prices to find the best fit for your budget. Compare the costs of different options, considering factors like location, facilities, and distance from the university. Look for online resources and student forums where you can find reviews and recommendations from current and former students.

Daily Expenses 

Consider your daily expenses such as food, transportation, and personal items. The cost of living can vary across the UK, with London being generally more expensive than other cities. Plan your budget based on your lifestyle and preferences, and take into account factors such as groceries, eating out, public transportation, and leisure activities. Ask about the cost of these items in the specific city or town where you’ll be studying.

Healthcare 

As an international student, you may need to pay for healthcare services in the UK. The National Health Service (NHS) provides free healthcare to UK residents, but international students might need to pay for an additional healthcare surcharge as part of their visa application. Check for the services covered by the NHS. 

Visa Costs 

Check the visa requirements and associated costs for studying in the UK. Depending on your nationality and the length of your studies, you may need to apply for a student visa. Break down the application fees and any other financial requirements related to your visa. Factor in the cost of renewing or extending your visa if you plan to stay in the UK for multiple years.

Scholarships and Financial Aid 

Explore scholarships and financial aid options available to international students. Many UK universities offer scholarships specifically for international students, which can help reduce the financial burden. Research and apply for scholarships well in advance to increase your chances of receiving funding. Check the eligibility criteria, application deadlines, and required documents for each scholarship. You can consider reaching out to the university’s international student office for guidance on available funding options.

Currency Exchange 

Keep in mind the exchange rate between your home currency and the British Pound (GBP). Fluctuations in currency rates can impact the overall cost of living and the value of your funds. Stay updated on exchange rates.

One-Time Expenses and Recurring Cost

Preparing for a trip abroad involves considering a wide range of expenses that need to be factored into your budget. It’s necessary to be aware of both one-time expenses and recurring costs to ensure that you have a comprehensive understanding of the financial aspects of studying in the UK.

One-time expenses

UK student visa fees 

Before traveling to the UK, you will need to apply for a student visa. These fees vary depending on your nationality and the type of visa you require. This process attracts costs, including application fees and possibly additional expenses like biometric appointments or courier fees. Be sure to research the current visa fees and factor them into your budget. 

University fees for international students 

International students often have higher tuition fees compared to domestic students. These fees can vary depending on the university and the course you choose. Consider the annual tuition costs and any additional fees such as registration fees or student union fees.

Course materials 

You may need to purchase textbooks, study materials, or software required for your studies. These expenses can add up, so it’s important to budget for them beforehand. These costs differ depending on your field of study and the specific requirements of your courses. Researching and estimating these expenses can help you plan your budget effectively.

Recurring expenses 

Recurring expenses are the regular costs you will have to bear throughout your stay in the UK. These typically include rent, transportation, household bills, and phone bills. 

Rent 

Housing costs will likely be one of your most significant expenses. and it can vary depending on the location and type of accommodation you choose. Research the average rental prices in the city or town where your university is located. Consider whether you will be living on-campus in university accommodation or renting a private apartment or room. Don’t forget to include additional expenses like utilities (electricity, water, internet) in your budget.

Transportation 

Transportation costs can include public transport fares or owning a vehicle, depending on your needs and preferences.

Household bills 

This includes utilities such as electricity, water, and internet. If you do not plan for it, they add up and can cause financial strain. 

Phone Bills

Phone bills cover your mobile phone usage. It is a cost you can not do without, so factor it into your budget

It’s important to budget for these recurring expenses to ensure your financial stability during your time abroad. In addition to the expected expenses, there will be unplanned expenses that can arise during your stay as an international student in the UK. These can vary based on your circumstances and lifestyle choices. For instance, if you frequently travel on weekends or enjoy socializing with friends, it’s wise to overestimate the costs associated with these activities. Other unplanned expenses can include shopping for clothes, pursuing hobbies, or participating in extracurricular activities. Keeping a close eye on these expenses and monitoring your spending can be crucial, especially if you have a limited budget.

Cost of Living

When planning to study in the UK, it’s crucial to research and understand the cost of living in the specific area you’ll be residing in. The expenses can vary significantly depending on the location, with big cities generally having higher accommodation costs compared to smaller towns.

For example, in Oxford, a smaller city, the average rental cost for a one-bedroom apartment is around £1,100 per month. In contrast, in metropolitan London, the average rental cost for the same type of apartment can be as high as £1,695 per month. It’s important to consider these variations in accommodation costs when budgeting for your stay.

Transportation is another aspect to consider when calculating the cost of living. If walking isn’t a feasible option for you, you should budget for public transportation expenses. In Glasgow, a monthly pass for public transportation costs approximately £63, while in Manchester, it would be around £74 per month.

If you’re someone who enjoys staying active and participating in workouts, it’s essential to account for gym membership costs. Joining the university gym in Cambridge, for instance, can cost students around £35 per month, while on-campus facilities in Leeds offer memberships for approximately £22 per month. Taking into consideration these costs can help you plan your budget accordingly.

Gather Information 

To gather information about the cost of living in a specific area, there are several ways you can go about it. One option is to reach out to international students who have previously studied at the university you plan to attend. They can provide valuable insights into their daily expenses, share tips on finding good deals, and offer advice on places to avoid.

Another option is to contact student organizations or clubs at the university you’ll be attending. These organizations often have members who are willing to assist prospective students by providing information about the cost of living, including accommodation, transportation, and other expenses.

Most universities provide comprehensive details about housing options on their websites, including contact information for potential roommates or landlords. This can help you see different accommodation choices and make informed decisions based on your preferences and budget.

Part-time Jobs

International students in the UK have the opportunity to work part-time alongside their studies, which can help supplement their finances. Consider working part-time while studying in the UK. International students are typically allowed to work a certain number of hours per week during term-time and full-time during vacations. However, it’s important to balance your work commitments with your studies to ensure academic success. Check for job opportunities on and off-campus, and consider the potential income you can earn while studying. Here are some part-time job options and additional opportunities to consider

Tutoring 

If you excel in a particular subject or have strong language skills, tutoring can be a rewarding way to earn extra income. You can offer tutoring services to children or fellow students at your university. Tutoring can be done in person or online, providing flexibility in terms of location and schedule.

University career center 

Your university’s career center is a valuable resource for finding part-time work opportunities. They can assist in locating job openings both on and off campuses. They may also have connections with local businesses or organizations that offer part-time positions, including those related to your field of study. This can provide valuable experience and enhance your skills in your chosen area.

Hospitality industry 

Working in pubs, restaurants, or cafes can be a great way to improve your English skills, experience the local culture, and earn money. These establishments often offer flexible schedules that can accommodate your studies. Keep in mind that hospitality jobs may involve working evenings and weekends, so plan your schedule accordingly.

Scholarships 

There are various scholarships available for both undergraduate and postgraduate international students. Universities often offer scholarships directly, and there are also government initiatives that provide funding for international students. It’s worth researching and applying for scholarships that align with your academic achievements, field of study, or personal circumstances.

Research and teaching assistants 

Some universities offer research or teaching assistant positions to graduate students. These positions can provide financial support while allowing you to gain valuable experience in your field. Check with your department or faculty to inquire about such opportunities.

Internships and work placements 

Some degree programs include mandatory or optional internships or work placements as part of the curriculum. These placements can provide practical work experience and often come with a stipend or salary. Explore internship opportunities in your field of study, as they can be a great way to gain relevant experience while earning income.

Remember to familiarize yourself with the regulations regarding part-time work for international students. Generally, international students on a student visa in the UK are allowed to work up to 20 hours per week during the school year and full-time during holidays.

Students Discounts

Taking advantage of student discounts can be a great way to save money during your studies in the UK. Many establishments offer special deals and lower prices for students, and it’s important not to miss out on these opportunities. Here are some common areas where you can find student discounts:

• Campus eateries: Many campus eateries offer discounted meal plans or special pricing for students. Take advantage of these deals to save on food expenses while on campus.

• Phone plans: Some mobile service providers offer student-specific phone plans with discounted rates. These plans may include additional data, messaging, or call benefits tailored to student needs. Inquire with different providers to find the best student phone plan for your budget.

• Shops and restaurants: Various shops, restaurants, and entertainment venues offer student discounts. This can include clothing stores, electronics retailers, cinemas, theaters, museums, and more. Always carry your student ID card and ask if a student discount is available before making a purchase or booking.

It’s important to note that the budget listed did not cover expenses for shopping or hobbies. These costs will vary based on your situation and preferences. When planning your budget, be sure to allocate funds for these expenses accordingly.

If you are eligible and able to work while studying abroad, it can certainly help ease some of the financial strain. Part-time jobs, internships, or work placements can provide extra income to cover living expenses, social activities, and personal interests. Remember to adhere to the regulations and limitations set for international students regarding working hours while on a student visa.