Plan the cash you need for year one
Separate annual expenses, refundable deposits and the money you need before arrival.
A budget should answer two questions: what will studying cost, and when must the money be available? A refundable housing deposit ties up cash even if it is returned later. A scholarship paid after arrival may not cover an earlier payment.
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Set one currency and one period
Start with tuition and compulsory academic fees for the same year, plus monthly living costs multiplied by the months you must support yourself. Include time before classes begin if you will already be in the country. Plan later years separately where fees or duration differ.
Split spending from cash held
List non-refundable setup costs such as travel and required document services separately from refundable deposits. Do not count a tuition deposit again if it is already part of the annual tuition. Keep a record of refund conditions rather than assuming every deposit comes back.
Map payments against confirmed funding
Put acceptance deposits, rent, travel and other payments in date order. Count funding only when its amount and conditions are confirmed. Compare the payment month with the scholarship or loan disbursement month so that an early cash gap is visible.
Keep evidence and reserves distinct
Proof of funds is an evidence requirement, not a second copy of your living costs. Where the same money funds living expenses, avoid adding it twice. Keep a contingency reserve visible and make a separate plan for a preparatory year if required.
Where this comes from
Original Via Glowbal student guidance, adapted from the 2027 directory, issued 1 October 2026. Read PDF pages 18–19 and 26. The checklist supports research; your actual programme call, offer and official procedures determine the requirements.