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Use comparison sites like Compare The Market and Money Supermarket to find the best deals for utilities.

Your utility bills could include some or all of the following: But if you're renting privately, or moving into a shared house, utility bills might not be included. If you're moving into student halls, you'll find that most universities include living costs such as gas and water bills in the monthly rent. But it's good to think about this when choosing a university. Of course, if you continue to live at home while studying, your parents or guardians might still charge rent. So make sure you include this in your budget. In the National Student Money Survey 20 20, students reported that they spend over half their monthly budget on rent. If you're coming to uni after living with parents or guardians, paying rent might be the biggest shock to your finances. Your rent will be fixed, but you can shop around for the best utility deals and plan your meals to avoid overspending on groceries. When looking at these areas, assign each one a budget and try not to overspend each month. The following are all areas to look at when calculating your expenses.

#You need a budget student discount free

Average student living costs can vary depending on where you'll be living, what course you're doing and how you want to spend your free time.

The next step in planning your budget is to work out what you're spending. This still applies if you don't complete your course – you'll still need to make repayment contributions towards what you borrowed. You won't start paying this back until you leave university and your gross income is over £21,000. Unlike undergraduate funding, you won't receive separate loans for your tuition fees and living costs. Postgraduate funding covers your tuition fees as well your living costs.

Student Finance Northern Ireland – postgraduate Northern Ireland students.

Student Finance Wales – postgraduate student funding.

Student Awards Agency Scotland – postgraduate funding information.

UK Gov – funding for postgraduate study.

To find out more, please visit your country's government student funding website: However, each country in the UK has its own funding body with different conditions and requirements. You can also get financial support from your government if you're from the UK and planning to study a postgraduate master's course. You won't start paying back your maintenance loan until after you leave uni and if your gross income is more than £27,295. If you study outside of London the maximum you can get is £9,488 a year. The maximum you can get is £12,383 a year if you plan to study in London. If you're being funded by Student Finance England, how much you get per year depends on where you live when you study and your household income. Unlike your tuition fee loan, which is paid directly to the university, you'll receive your maintenance loan directly into your bank account in 3 instalments during the year. This loan is designed to help you cover your living costs. If you're from the UK and planning to start your first degree, you can apply for a maintenance loan from your country's government. Make sure you include your government loan in your student budget so you spread it out evenly over the academic year. Your main source of income is likely to be your maintenance loan or bursary. It's a simple case of knowing where your money is coming from, and how much you're getting from each source. The first step in planning your budget is to work out how much income you'll have each month. If you budget well enough, you might even be able to save some money each month to use on travel and essential living costs, such as a rent deposit for next year. Make sure that the amount going out isn't higher than the amount coming in. Once you know the money coming in and out, you'll know how much extra spending money you have each month. All you need to do is work out how much money you'll have coming in and out of your bank account each month. Planning out your budget isn't as much work as it sounds.

#You need a budget student discount how to

On this page, you'll find useful advice on how you can spread out your student loan, help with making and sticking to a budget, guidance on how to calculate your living costs and useful ways you could save money while you study. You've spent years making sure you have the grades to start your studies – but your school or college might not have told you how to budget your money, once you get to university. You don't have to be rich, you just need to know how to spend your money responsibly. When you start at uni, it's important to understand how to budget your money.