After all the hard work of editing the pictures, I have decided not to post it. They are alive and putting somebody else pictures without their consent is considered stealing. I am not sorry that I don't post it, I can still indulge myself with their beauty till I get bored of their faces. I certainly need to consider my words next time before writing it down in this blog. And today post is another truth about scholarship allowance. Brunei government is a very generous organization. Every year, an average of more than 100 scholars are send abroad to continue their education. Despite this generosity, some scholars find that the allowance given is not suffice to maintain their life abroad especially those who are bound to United Kingdom. There may be truth to this especially those who live at halls (I heard it can go up to an average of 110 per week). But this post is targeting those who live outside of halls...I love bashing them with reality.
Here is a summary of my living expenses in Birmingham, United Kingdom.
Allowance granted: 624.60
Private accommodation: 217 pound (There are rents that cost 200 and below)
Bills per monthly calendar: 50 pound (Depends on where you live and your daily usage)
Groceries: 50
Net: 307.60
I have an extra of 307.60. This is
extra. The money can be used for
anything. Yes, you read right,
anything. I have covered all my
living expenses. My allowance is more than enough. I am curious how can others said is not enough? I heard these excuses:
1. The transport. Traveling around is expensive. With the increase of transportation cost every year, our current allowance is not enough.
Our monthly allowance includes transport allowance. Using my situation as an example:
1 (a). My lecture are usually four times a week. That's 4x3=12. In a month, the transportation cost about 48 pound. Just take 3 pounds from the monthly allowances and go on with life.
1 (b). Buy a bus pass. The government gives an extra one month allowance every new academic year. I don't remember the exact cost of my bus pass, but I am positive that the extra can cover them.
2. We also want to spend on things. Things are expensive in UK. Everything keeps on increasing every year!!
2. (a) Unless you are buying things from branded outlet, the
extras should be enough for your spending.
2. (b) You come to UK for what? Glamorous lifestyle or getting an education? Most choose the former ones. Branded stuffs cost an average of 70 pound at normal selling price. So stick to Primark or other bargain shops if you want to live in UK. You're not richie rich, because if you are you won't be complaining.
What more excuses there are out there? Most are silly and irrational. It shares one common thing,
lack of money management. The presentation for new scholarship intakes will take place soon. May I suggest that the board of organizers to brief new intakes on financial management. I vowed on my experience that this skill is essential to survive in UK. Call somebody from HSBC or Standard Chartered to brief them. The presentation would then be of a worthy investment.
To new Birmingham intakes/ UK intakesThe rules of personal finance according to Lisyah:
1. 1/4 must be saved for savings
2. 1/4 must be used for your personal indulgences/ Cash in hand
3. 1/2 to be used to settle all debts and living expenses.
Savings
156.15
Savings can be broken down into different purposes:
1. Emergency
2. Traveling
3. Goal attainment (New books, New Ipods, New shirts)
etc, depends on your current situation, needs and wants.
Personal
156.15
Living expenses
312.30
Extras from living expenses can be transfered to personal or savings.
Need I remind you that this is based on people who lived in private accommodation. And to my knowledge, different types of qualification are granted different allowance. Lower qualification receive less, higher receive more. There are those special few who received a substantial amount of allowance that amount up to 1k. This post is based on normal MOE scholarship.
If 1/2 is not enough to cover your living expenses, increase the portion to 2/3. 1/3 is for savings and personal. Hope this little tip can help you in UK. If this is not enough still, the only option for you is to work. I don't know the exact rules of working under the government scholarship, but the pay is good. Ranging an average of 7 pound per hour. In a week you can earn an average of 140 pound [7x20 (The maximum amount of work hours allowed for student)] In a month you earn 560. University usually gives out temp work. For new Bruneian Aston university student please go
here.
I forget to mention that if you intend to go back Brunei for summer next year you must start saving from the first month in UK. From the 1/4 take 1/2 of it, from example that will be 78 quids. In 9 months that would be 702 pound. That should be enough to cover your return ticket to Brunei. May I recommend Singapore Airlines. I heard the service is good.
Oh yeah, don't forget about boxing day....well if you follow the rules I set up, they wont be a boxing day for you unless you make boxing day a purpose. I think I had write enough. Hope this post is helpful to anyone reading it, particularly 2008/2009 scholars intakes.
(^_^) Oyasumi (^_^)