You managed to spend only 1k on food for the whole year?
I’m sorry but 22000 pounds? In London? You guys have it tough.
wait subscriptions only 12 bucks? did you subscribe to netflix acidentally for a month?
You ate out once over a whole year, and only spent a tenner? 🤯
You are not getting your money’s worth out of your railcard.
I hope you’re not doing your PhD in anything health related because £20 a week on food is not enough
What did you used to make the graph and expenses collection?
1000£ yearly grocery bill in London is actually impressive. I have around the same budget in Portugal and I spend double what you spend in groceries.
I consider myself a pretty frugal person but I could never. You mind sharing what you eat in a day?
Oh, at first I thought this was per month lol. You are very sensible with money good sir/m’am
You could spend 1000£ more and enjoy life, you know? Like, going out with friends to eat once a month won’t hurt and it would be even less than 1000£ per year.
What discipline! No booze, drugs, alcohol, overly expensive hobby!? Wow!!!
How does one person spend less than 5 a month in mobile?
Cries in Canadian
So by “London”, you mean “halfway to Scotland”?
£180 for TFL? That’s 50p a day. How do you manage that? I’m guessing you basically hardly ever have to travel
I don’t know if you have already looked into this but you can get a prescription pre-payment certificate for around £115 a year that (should) cover all your prescriptions – https://www.gov.uk/get-a-ppc
Great that you’re saving 4k a year on a stipend, but OP needs to get out more – enjoy life a bit
Oof i spend your yearly transportation every month 💀
1006 for food, but 1199 for phone. Jeez, go enjoy your life little more! Nice data dude.
Conclusion: the only way to save money as a PhD student in London is to be really sad
I appreciate you may have private prescriptions, but for NHS prescriptions, if you get more than 3 items in 3 months, or 11 items in 12 months, a prepayment certificate will save you money. So max you should need to pay for NHS prescriptions is (currently) £114.50 a year.
Your savings vs. savings interest ratio catched my eye.
Could you tell us more about those savings ?
How do I make graphs like this?
I understand that saving your money is in general a good idea, but some of these posts make me think perhaps it went a bit too far. Especially as the decent income from interest makes me think OP already has >20k saved (so very comfortable amount for emergencies, some trip after graduation, or anything like that), and for anything else, there will be enough time to save once OP has several times bigger income post PhD.Â
Get prepaid prescription. Should bump that down to like £100 a year for like 10 minutes work
I kind of don’t believe this one? That much in savings interest as a PHD student, with that stipend, and still having private dental? Doesn’t seem to add up
What do you use to track ur spending? Or do you just count it up?Â
If you get £1300 a year in interest it means you have (charitably) at least 26 grand in the bank… and yet you still eat just £20 a week! I pissed more than that away every weekend as a phd student🤣
![My budget as a PhD student in London [OC]](https://www.europesays.com/wp-content/uploads/2024/12/fkj5q6m2d6ae1-1100x1024.png)
27 comments
You managed to spend only 1k on food for the whole year?
I’m sorry but 22000 pounds? In London? You guys have it tough.
wait subscriptions only 12 bucks? did you subscribe to netflix acidentally for a month?
You ate out once over a whole year, and only spent a tenner? 🤯
You are not getting your money’s worth out of your railcard.
I hope you’re not doing your PhD in anything health related because £20 a week on food is not enough
What did you used to make the graph and expenses collection?
1000£ yearly grocery bill in London is actually impressive. I have around the same budget in Portugal and I spend double what you spend in groceries.
I consider myself a pretty frugal person but I could never. You mind sharing what you eat in a day?
Oh, at first I thought this was per month lol. You are very sensible with money good sir/m’am
You could spend 1000£ more and enjoy life, you know? Like, going out with friends to eat once a month won’t hurt and it would be even less than 1000£ per year.
What discipline! No booze, drugs, alcohol, overly expensive hobby!? Wow!!!
How does one person spend less than 5 a month in mobile?
Cries in Canadian
So by “London”, you mean “halfway to Scotland”?
£180 for TFL? That’s 50p a day. How do you manage that? I’m guessing you basically hardly ever have to travel
I don’t know if you have already looked into this but you can get a prescription pre-payment certificate for around £115 a year that (should) cover all your prescriptions – https://www.gov.uk/get-a-ppc
Great that you’re saving 4k a year on a stipend, but OP needs to get out more – enjoy life a bit
Oof i spend your yearly transportation every month 💀
1006 for food, but 1199 for phone. Jeez, go enjoy your life little more! Nice data dude.
Conclusion: the only way to save money as a PhD student in London is to be really sad
I appreciate you may have private prescriptions, but for NHS prescriptions, if you get more than 3 items in 3 months, or 11 items in 12 months, a prepayment certificate will save you money. So max you should need to pay for NHS prescriptions is (currently) £114.50 a year.
Your savings vs. savings interest ratio catched my eye.
Could you tell us more about those savings ?
How do I make graphs like this?
I understand that saving your money is in general a good idea, but some of these posts make me think perhaps it went a bit too far. Especially as the decent income from interest makes me think OP already has >20k saved (so very comfortable amount for emergencies, some trip after graduation, or anything like that), and for anything else, there will be enough time to save once OP has several times bigger income post PhD.Â
Get prepaid prescription. Should bump that down to like £100 a year for like 10 minutes work
I kind of don’t believe this one? That much in savings interest as a PHD student, with that stipend, and still having private dental? Doesn’t seem to add up
What do you use to track ur spending? Or do you just count it up?Â
If you get £1300 a year in interest it means you have (charitably) at least 26 grand in the bank… and yet you still eat just £20 a week! I pissed more than that away every weekend as a phd student🤣
Comments are closed.