How much is your tuition fee, accommodation fee and living expenses?
Well, for first and second question, normally I don’t answer to them, as you can get this anywhere, i.e. university website, British council, etc. In contrast, living expenses largely depends on individual behaviour.
The projected monthly expenses, provided by Glasgow Uni.:-
Food £170
Clothes £60
Bus, underground, taxi fares £30
Laundry, stationery, stamps, toiletries £30
Entertainment £60
Ck’s expenses—refer diagram below, click figure to enlarge
There’s a great difference between expenses projected by uni, and my living style.
Anyway, living expenses here not really high (don’t perform currency exchange, as pay rate here similar to Malaysia, means if you get 2000MYR as a sales executive, likewise you receive 2000GBP in UK too ); I don’t think I can survive in KL with monthly expenses of 120MYR. Since I work in the weekend, so my wages can sufficiently cover my monthly expenses, some more i can have some balance as savings.
Well, some golden rules in financial planning knowledge, record all your incomes and expenses, save at least 10% of your monthly salary, prepare at least 6 months living expenses as emergency funds, etc. Anyway, ”cakap senang, buat susah” /easy to say, but hard to act, some more I people prefer to key in by using computer rather than record down in a notebook, so CK also share a software for you guys to record down all the transactions involve.
Click the link below to download:
http://www.vnunet.com/vnunet/downloads/2170737/money-manager
or
You can go to my personal webpage （still under construction） and download this software
http://www.geocities.com/cklim123my/
Besides, investment, or other financial instruments as recommended by most people “so called financial planner” nowadays, Other saving tips I read from news feed (info adapted from, Lloyds TSB Savvy Saver-http://www.lloydstsbsavvysaver.com/):-
- Get a clear understanding of not only your incoming and outgoing, but the exact amount of money you need to live on each week or month. (These are your non-discretionary expenses.) You can only set up an effective saving plan if you have a totally realistic picture of where your money is going and how you use it.
- Having a clear goal can certainly improve your motivation to save. Some people are saving for major life events, such as such as a house deposit, wedding or retirement, whereas others have shorter term goals such as a holiday or a new car. If you don’t have a tangible goal, set yourself a weekly, monthly, or annual target amount to strive towards.
- Save up to 10% per year on your electricity bill (and reduce your carbon footprint) by turning your electrical appliances off standby mode
- Savings in lunch boxes-- making a packed lunch
- Take a series of low-cost mini holidays instead of one big holiday
- Don’t buy things just because they’re “bargains”… Always sleep on a decision to buy
- The skills you use in a hobby or passion could earn you extra cash.
- Collecting your loose coins is a painless way to save
- Unnecessary accelerating can increase your petrol consumption by 20%.
9 comments:
jus wander where u spend ur £60 for entertainment?besides the 007 movie,wat else?date a leng lui then use up a few pounds to buy abang wai?haha...joking
anywhere,jus a praise to u here la,as u owes so dicipline in everything..shold recomand u to a fren who r looking for part time bf in malaysia..i am 100% confident,u fullfill more criteria than anyone potential candidate..LOL :P
Haha, ck, if there hard to reach for lui, here in ur birth land have a bunch waiting for u. keke
oo..no la...actually that £60.00 and other expenses mentioned there, were estimate expenses for an international student at glagow uni, these data provided by the university..i jz used it to compare with my expenses ma...i only spend 8% out of the projected one..haha..i think only can use up to £60 when go for pub, etc..
oo..ok ar..u jz send a resume and cover letter on my behalf, then see whther i can be shortlisted bo?///haha...
haha, marccus...then u hv to look after me lo...help me to screen the best frm the whole bunch..haha..
anyway. thanks for u guys punya encouragement..i will work hard in ui and other matters...haha
how did u get urself a job at glasgow? How many hours/week, and mind telling the average pay/hour in glasgow?
Haha, the figures provided by Uni always scare people away one...they expect int. students to spend like nobody's business.
may i know which bank u had an account with?
u're definitely a good saver..LoL
hey, u dont look like someone who spends much...unless u go party alot la...but u r not that type.
ya..chia hur, u really know me well, i jz a typical "nerd",spends less as dun hv so many entertaiments..
hi calvien, all things shared in my post are disclose info, so why dun you try to visit british council and find out? i believe you will gain more if you put some efforts to find it out, eventhough not easy at the moment, but eventually you will find that what i am telling you now is true.
well, i got job after 2 weeks i came to glasgow, can look thru classfied website, notice, bulletin, max 20hrs/week, definiely i not work for so long time, pay fulfill min. national wages. i hold accts with llyods tsb
thanks, definitely depends on individual spending power. cheers
calvien, there's a pre-departure briefing for all international students before depart to uk, u just check it out, most questions could be answered, anywhere..if you need specific advice drop me an email at lck1122@hotmail.com, i prefer to answer queries thru email, as it is proper, formal and professional way, "based on my humble opinion"
hey CK,
Malaysia is the most unworthy city to live in.
ROAR..pack me in ur baggage and bring me over...T_T
nicole, can't la, you too heavy to carry along...haha...you know la, i so thin and weak, tak larat la..nxt time, u and ur darling hv a wedding ceremony here, should be a great idea..haha
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