Costs People Forget
These don't always come up when people quote "student costs", but they're real money.
Council tax. This is the most important one. If every person in your house is a full-time student, the household is fully exempt from council tax. The catch is that you have to apply for the exemption through Bristol City Council. If you don't, the council can bill the property £1,500 to £2,000 a year, even though you qualify. Request your student status letter from your university as soon as you move in and submit it straight away.
TV licence. You need a TV licence if you watch live television on any channel, or if you use BBC iPlayer. It costs £174.50 a year, which is around £14.50 a month. You don't need one if you only use Netflix, Disney+ or Spotify.
Phone bill. Most students run a SIM-only contract for £10 to £25 a month. Voxi, Smarty and Lebara are popular for student-friendly plans with plenty of data.
Subscriptions. Netflix, Spotify, Disney+ and similar services add up to about £10 to £25 a month if you have a few of them. Most offer a student discount that's worth claiming.
Contents insurance. Halls usually include this. In a private HMO, you'll want your own policy if you've got a laptop or other valuables worth covering. Student-specific policies cost around £5 to £15 a month.
Laundry. If your flat doesn't have a washing machine, budget around £20 a month for the launderette.
Printing and books. Most courses are online now, but some still need physical copies. £20 to £40 a month is a safe buffer.
Deposit. You'll usually need around five weeks' rent upfront when you sign a private tenancy. Plan for this when you work out your finances for August.