Cost of living in Scotland

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#1 17 June 2008 16:51:38

expat blog
expat blog
small earth

Cost of living in Scotland

Hi everybody,

It would be very interesting and useful to exchange informations about the cost of living in Scotland.

The idea is to help those who would like to live in Scotland.

Don't forget to mention where you are living

Let's compare the:

> accommodation prices (how much does it cost to rent or to buy an accommodation in Scotland?)

> public transportation fares (tube, bus etc ...)

> food prices(per month, how much does it cost you?)

> health prices (for those who need medical insurance)

> eduction prices (if you need to pay)

> energy prices (oil, electricity)

> common bills (Internet, television, telephone, mobile phone)

> prices of a good menu in a traditional restaurant

> prices of a beer or a coffee in a regular pub

Thanks in advance for your participation!

#2 19 June 2008 14:43:52

expat blog
expat blog
small earth

Re: Cost of living in Scotland

Sent by EEG in May 2005

Living in St. Andrews, Scotland (comparable to nearby Edinburgh)

accommodation prices: between 150-700 GBP/person/month, running the gamut from rundown, limited-space University halls to luxury flats with satellite TV and cleaning service.  2-BR flat runs about 300-400 per person.

> public transportation fares (tube, bus etc ...): about 3 GBP between towns

> food prices(per month, how much does it cost you?): about 15 GBP/week

> health prices (for those who need medical insurance): NHS is free!  But no dentists.  Pay per visit for private dental care, but it's still cheaper than in the States!

> eduction prices (if you need to pay): between $15,000-$20,000 in fees

> energy prices (oil, electricity)

> common bills (Internet, television, telephone, mobile phone): about 20 GBP/month for broadband.  Anywhere from 10-40 GBP/month for mobile.

> prices of a good menu in a traditional restaurant: 8-20 GBP

> prices of a beer and of a coffee in a regular pub: 3 GBP

#3 19 June 2008 15:26:54

expat blog
expat blog
small earth

Re: Cost of living in Scotland

Sent by caledonia in May 2007

I live in Edinburgh which is a very expensive city, but so beautiful and people are really nice.

> accommodation prices
We're renting a big 1 bedroom flat with my partner (big kitchen, living room and study room) for £650 in a really nice area. If we wanted to buy this flat it would cost us about £210.000, which means no way, far to expensive! (I know because a similar flat upstairs went for that price a month ago).

> public transportation fares (tube, bus etc ...)
A single bus ticket costs £1, a day saver costs £2.50 and a monthly card is £37.

> food prices(per month, how much does it cost you?)
We are "foodies" so we eat well all the time, I'd say about £60 a week, and that's not including wine (which we only drink a the weekend).  We prefer to shop in local shops if we can as we like to source our food locally (why buy lamb from New-Zealand when there's a beautiful sheep farm 2 miles away! And it's also better for the environment!)

> health prices (for those who need medical insurance)
My partner has a private medical insurance with his work and my name's also on it.  Otherwise, as everywhere else in the UK, GP is free and a prescription is about £6.70.
I was lucky enough to find an NHS dentist, so it's now dead cheap to go to the dentist's!

> eduction prices (if you need to pay)
Not a student but I work in a university so I know.  Fees are about £3000 if you're a UK or EU citizen and £8000 if you're from overseas (and believe me the place is packed with Chinese, Japanese and Indian students!).

> energy prices (oil, electricity)
A litre of petrol is about 98 pence.
Not sure about gas/electricity but I reckon it's about £500 per year (we have gas central heating and it's not rare to put the heating on in the middle of summer)

> common bills (Internet, television, telephone, mobile phone)
Don't have a phone landline at home but my mobile (contracts) is £30 per month and we have cable/internet, which is about £55 per month.
TV licence is £27 per month.

> prices of a good menu in a traditional restaurant
Depends if if go for lunch or dinner.  Lunch is much cheaper and you can easely find a good restaurant for £10-13 for a 2 courses meal.  For dinner count about £25 per head.  And that's not including wine of course!

> prices of a beer and of a coffee in a regular pub
In my local boozer, where we go far too often (but hey, it's the heart of the community!) it's about £2.50 for a pint, same for a gin & tonic.
In the middle of town (i.e. posh streets like George Street if some of you know the city), it's not rare to pay up to £4 for a pint.
A coffee at Starbuck is about £2 (although I prefer the Italian coffee from Cafe Nero and not that crap they dare selling us at the kiosk at work).
Ciggies are expensive, about £5.50 a pack, and it's been a year you're no longer allowed to smoke in any indoor places.

I almost forgot the Council Tax, which is a total rip off, £150 per month!

Apart from that, I love living here!

#4 15 September 2009 03:06:47

Robert Binner
Robert Binner
San Francisco

Re: Cost of living in Scotland

Hi, I would love to know which is the least expensive city in Scotland. How do poor people live in Scotland? Is there anyplace with cheap rent? The cost of food is never a problem.:)

#5 30 November 2009 01:53:53

rebeljasmine

Re: Cost of living in Scotland

Oh I am such a virgin here. I am ANOTHER :-) writer and I so need a change. I think I will just dry up and wither away inside, if I don not get a change of venue. So thanks for all the good practical information. And here's hoping

#6 21 December 2009 21:32:45

SaidaYulduz
SaidaYulduz
Tashkent

Re: Cost of living in Scotland

I lived in Edinburgh for 3 years and my costs (Aug2009) were (all in GBP)

> accommodation prices - I rented a 1 bedroom flat (for CIS people: it has two rooms) with tiniest kitchen for 575 p.m. plus HEAVY COUNCIL TAX of 90 p.m. payable during 10 months per annum and you get two months payment free. Never ever delay this payment, they really don't like it.

> public transportation fares - I found Edinburgh bus company called Lothian a reliable provider; it covers all the city but not intercity. Fare was 1.20 per ride or 3.00 day ticket both for adult. Monthly unlimited tickets is 42 p.m. Child ticket 70p or 2.40 day ticket. Edinburgh is a small and very nice city for walking so I got around by foot mostly (wear trainers and pack a nice pair of shoes for work/study). Rain was no problem. I got soaked few times only. Lots of intercity buses but I used train prices vary depending on route (check out www.scotrail.co.uk for prices) - I can only say I found it quite affordable on my humble salary to travel couple times a month somewhere to visit. A black cab (taxi) from airport is about 15-20 depending which part of the city you go to. Maybe cheaper if you call private taxi but not sure.

> food prices = I usually cook home (and cook a lot often with expensive ingredients) for me and my 13 year old  cost was around 350 p.m. excl wine French ingredients are very expensive, but you can buy a decent bottle of wine under 25. Fresh fruit and veg available all year round but not always as tasty as they would be if ripened under lots of sun. Having said that, there is lots of stuff to try (to cook) if you like Italian, French and Mexican food. If you need info on shops let me know.

> health prices - I had private medical insurance through work (AXA PPP) and it was fantastic - it covered everything for two operations I had (otherwise cost around 8000). Private dentist services are rip off : one simple removal 100, surgical removal 150, implant 1500-1800 per one plus crown 700-800, if insufficient bone - grafting etc 400 per three. Half yearly visits - 40.

> education prices - if child is up to 11- primary school free, as is secondary school from 12 years of age. Edinburgh has very good state schools (unlike in England I was told) and my kid went to Boroughmuir School - one of the best state schools in Edi and prob in Scotland. Private education is VERY expensive - at Fettes college, one of the best, a term may cost around 5000 (for 13y.o.) and there are three terms If I'm not mistaken.

> energy prices - I chose not to use car as it is easier and quicker to get around by foot and bus. It is green too. Edi gets choked in car traffic often but not as bad as in Moscow obviously. Utility bills - gas is VERY expensive so I did not use gas central heating much, only an hour in the morning and in the evening when really cold. My cooker was electric. Gas bill for four months over winter (coldest months are Jan-Feb) was 350. I used Npower - can't say if they're good as never used other, though frankly they could improve service. Maybe if you pay by direct debit a fixed amount per month you may get it cheaper.

> common bills - I had 3G connection through work costing 23 p.m., mobile pay as you go max 10 p.m. (I don't like talking over telephone - better to meet!)

> prices of a good menu in a traditional restaurant - Going to Fishers, on of the best not most expensive, I would budget about 35-40 per person, three course with a glass of wine. In a  nice Mexican restaurant at Grassmarket I and my 13 yo kid would dine for about 40 - two course, juices only.

> prices of a beer or a coffee in a regular pub - I don't drink beer, but tried locally made ale in a small restaurant just as you go down the steps from the castle esplanade (Tattoo place)  - it was fantastic! I liked it warm to feel flavours, and it went so well with haggis, nips and tatties - you must try it! I think we had two course meal plus half a pint ale for less than 20 quid p.p.

- clothes - Lots to say! I know most shops catering different customers and if you need help let me know.

- cinema - Cineworld isn't bad for famous films (about 13.5 pm for unlimited ticket - worth it if you visit twice or more, as one ticket in the evening costs 7 p.p.) but smaller cinemas run very good international and UK films that are not shown in Cineworld.

- Opera etc - LOTS of this in Edi and I loved it. Cheapest tickets during festival - 10 p.p. (not best places but ok) Can be 25-60 if better places, sometimes even more.

Hope this is of use. Feel free to drop me a note if I can help.
Saida

Last edited by SaidaYulduz (21 December 2009 21:42:42)

#7 21 July 2010 15:37:26

manday

Re: Cost of living in Scotland

Hello how are you?

I like Ask you many questions but first I will wait you answer me samll Email just to make sure you still there .
my Email   scotlandinfo[at]gmail.com
thanks for your time

#10 18 November 2010 16:32:12

David Scotland
David Scotland
Edinburgh

Re: Cost of living in Scotland

The cost of living in Scotland is naturally a big concern to anybody wishing to live and work in Scotland. It would take hours to detail every kind of expense and so much depends on personal circumstances, but hopefully this general Scottish overview, as of November, 2010, will help some people:-

Average Salaries Scotland (Payscale Index 16 Nov 2010)

Edinburgh
Sr. Software Engineer / Developer / Programmer     £37,055     
Office Administrator     £15,877     
Software Developer     £25,235     
Information Technology (IT) Manager     £37,636     
Personal Assistant     £23,077     
Marketing Manager     £25,466     
Office Manager     £21,720

Glasgow
Mechanical Engineer     £25,167     
Administrative / Office Manager     £21,709     
Sr. Software Engineer / Developer / Programmer     £36,047     
Operations Manager     £31,862     
Office Administrator     £15,735     
Retail Store Manager     £22,301     
Team Leader, General     £21,161

The Careers Scotland Website is well worth a look to find out more about working in Scotland.

National Minimum Wage

Everyone in Scotland (and UK) is legally entitled to a minimum rate of pay: £3.64 per hour for ages 16-17; £4.92 per hour for ages 18-20 & £5.93 for workers aged 21 and over. (As of Oct 2010).

Health Costs
The UK has a national health service (NHS) run by the government which is free for those living permanently in Scotland or who (I believe) have a visa which allows you to stay for at least a year (please confirm this). However, not everything is free on the NHS and generally you must pay for medicinal prescriptions, dentists, opticians & chiropody, although there are some exemptions e.g. children, expectant mothers, the elderly & low income families (dependent on circumstances, please check). Eye tests in Scotland are currently free.

You can choose to opt into private health care services like BUPA, but these can be expensive for those on lower salaries. Visit the NHS Scotland website to find out more about the NHS in Scotland & overseas visitors.

Taxation
If you are working for an employer in Scotland you must pay "Income Tax" and "National Insurance" on your salary which will be automatically deducted from your weekly or monthly salary by your employer. If you are new to Scotland you must apply to Her Majestys Revenues & Customs (HMRC) for a National Insurance number right away and give this to your new employer. For earnings between £0 - £37,400 you pay 20% Income Tax; earnings between £37,401 to £150,000 you pay 40% and for earnings over £150,000 it's 50%.

In respect of National Insurance, if you're employed you pay Class 1 National Insurance contributions. The rates are:

    * if you earn more than £110 a week and up to £844 a week, you pay 11 per cent of the amount you earn between £110 and £844
    * if you earn more than £844 a week, you also pay an extra 1 per cent of all your earnings over £844

You pay a lower rate if you're a member of your employer's contracted-out pension scheme.

Visit HMRC here to find out more about tax in Scotland. There's also a good guide at Direct.gov.uk

Accommodation & Housing
In Edinburgh, the cost of a basic 1 bedroom flat in a traditional Edinburgh tenement varies from around £450 to £550 depending on the quality of the accommodation and the location. Flats are cheapest in Gorgie and Leith and more expensive in more upmarket locations such as Morningside, Bruntsfield, Stockbridge, Comely Bank and the City Centre.

Aberdeen is the most expensive city to rent in and Dundee is the cheapest. Glasgow is a little cheaper than Edinburgh. Landlords will ask for a deposit and the 1st months rent in advance, so you will generally need around £1000 plus to secure a decent 1 bedroom rented property. Leases are generally "Short Assured Tenancies" which usually give you security of tenure for 6 months and most roll over, after the initial 6 month period, on a month to month basis thereafter. (Although a short assured tenancy can be for longer). Under a Short Assured Tenancy, you will be responsible for paying "council tax" which is around £110 a month for an average 1 bedroom flat, depending on area. You will also have to pay for gas and electricity which will be around £60 a month for a 1 bedroom flat, but could be less or more, depending on how many there are of you and how frugal you are!

Landlords in Scotland are generally responsible for all repairs to a property - so you will be saved that cost (except for any 'unreasonable' damage you've caused). To find out more about renting in Scotland visit Citylets. If you want to find out more about leases in Scotland visit the Edinburgh Property Consultancy.

Sharing a flat or house is very popular in Scotland and generally costs in the region of £300 to £400, but can be more. Anything cheaper is not going to be great. Sharing does allow you to share the payment of council tax and the utility bills. To find a flat share visit Easy Roommate.

Buying a property in Scotland is fairly straightforward, although it is more difficult to qualify for a mortgage at the moment and you will need a fairly hefty deposit although better deals are creeping back into the market. Best advice if you're thinking of buying is to visit the Edinburgh Solicitors Property Centre (ESPC) in George Street, Edinburgh, who provide free solicitor and mortgage advisor drop in sessions. Visit ESPC here.

The average cost of a decent 1 bedroom flat in Edinburgh is around £100,000 to £150,000 dependent on the area. Really good family homes tend to be sought after and can command good prices. At the moment, the property market in Scotland is very sluggish, so it's very much a buyers market. 

Food Prices
This is hard to quantify as it really depends on the individual, but here's a few prices of basic food items:

Sliced White Sandwich Loaf £1.10
6 Pack Golden Delicious Apples £1.50
1 pint Whole Milk £0.45
Box of 6 Medium Free Range Eggs £1.46
500g Fresh British Beef Mince £1.64
500g Fresh Beef Fillet Steak £11.49
1.5kg Fresh Whole Chicken £4.00

Obviously the list is endless, but if you want to check out Scottish food prices further visit My Supermarket.co.uk.

Transport in Scotland

Scotland has excellent public transport, which is generally very affordable, especially if you book in advance. The cost of buying a new car is relatively comparable to the rest of Europe, although maybe a little more expensive. Second hand cars are abundant and by shopping around there are some bargains to be had. The cost of petrol in the UK is around the £1.20 per litre mark as of 18 Nov 2010. Check out www.petrol prices for more info. For more information on Transport services and costs in Scotlands 6 cities visit the Scotland city guide.

I'm afraid that's all I've got time for. Please forgive me for any errors. I hope some people will find my ramblings useful!

David
www.scotlandcityguide.com

Last edited by David Scotland (18 November 2010 18:07:11)

#14 21 November 2010 21:43:12

Beck82
Beck82
Edinburgh

Re: Cost of living in Scotland

What an amazing reference page. I don;t know why I feel that I'd like to live in Scotland, but I just have that gut urge. This page has been a great help. Anyone pls feel free to contact me with any further info xx Beck

#17 11 January 2011 18:01:21

pubdragonmonkey
pubdragonmonkey
Brooklyn

Re: Cost of living in Scotland

Hi All,
I'm looking into moving to Edinburgh from Brooklyn NY.  I'm trying to budget stuff etc to figure out cost of living what have you.  Thanks for all the info.  Although if someone could explain the council tax and the National Health Number that would be great because it appears that all standard living (ie transportation, flat rental etc. are all lower there then my current location) Thanks.

#18 23 January 2011 15:46:29

David Scotland
David Scotland
Edinburgh

Re: Cost of living in Scotland

Hi pdm,

Council Tax in Scotland is levied on domestic, residential houses/flats to help pay for local public services such as schools, street lighting, rubbish collection and leisure facilities etc (it also includes a charge for water and sewerage.) If you own or rent a residential property in Scotland (subject to some exemptions/discounts e.g. students) you will normally be responsible for paying council tax. You can pay monthly (over a period of ten months) to help spread the cost.

I live in a 3 bed property just outside Edinburgh and I currently pay £2100 per year. It's quite a lot of money and therefore very important to factor into your Scottish budget!

For more information check out the City of Edinburgh Council Website: http://www.edinburgh.gov.uk/info/701/council_tax (Bear in mind that each council sets it's own rates)

Your National Insurance Number is essentially your own personal account number with the state. Its a unique number which allows you to be identified for Social Security Purposes. The number ensures that all your National Insurance Contributions are correctly accounted for and credited to you.

For a better explanation than i can give check out this page from the Direct Gov website: http://www.direct.gov.uk/en/MoneyTaxAnd … /DG_190048

Hope this has helped.

David

Last edited by David Scotland (23 January 2011 15:52:39)

#19 23 January 2011 23:00:32

loveedinburgh
loveedinburgh
chicago

Re: Cost of living in Scotland

David,
thank you so very much, your answer was very explainable and thorough. I hope you read this so that you can answer one more question for me, the question is I am moving there for one year only, I'm american, so I don't have a nih number, will landlords still rent to me? I have no problem paying council tax.

#20 25 January 2011 17:40:09

David Scotland
David Scotland
Edinburgh

Re: Cost of living in Scotland

Hi loveedinburgh,

It shouldn't necessarily be a problem for a landlord that you don't (initially) have a national insurance number. Most reputable landlords and letting agencies in Scotland will normally be looking for at least the following:

1. Ability to pay - hence proof of your income e.g. pay-slips or your annual accounts and/or tax return. If you are relying on savings then you should have a bank statement ready to prove you have sufficient funds.

2. An employers reference if you are in work. An Academic reference if you are studying.

3. A previous landlords reference. (This carries great weight).

4. A copy of your passport/ driving licence in order to prove your identity.

5. Two utility bills to confirm where you have been living previously.

6. Some landlords and agencies may insist on carrying out a credit check to ensure you are solvent.

Requirements do vary from agency to agency, but the above documents are worthwhile having to hand before you start looking.

Hope this helps,

All the best, David

David

#21 18 February 2011 14:48:41

dbnpoizned

Re: Cost of living in Scotland

i live in fife, on the very edge of edinburgh's commuter belt: this is my analysis of the costs where i am:

> accommodation prices (how much does it cost to rent or to buy an accommodation in Scotland?)

- about £420 for a 3 bed house with a driveway

> public transportation fares (tube, bus etc ...)

- far too expensive, average about 2-3 times the price of driving. scotrail has a monopoly in our area and is totally exploiting it. buses are cheaper if you hold 'travelcards' but usually still cheaper to drive. (it costs me abt £0.12 a mile to drive, and £2.70 to catch a train three miles or 1.50 to catch a bus three miles)


> energy prices (gas & electricity)

- its abt £1600 a year for us

> common bills (Internet, television, telephone, mobile phone)

- abt £20 a months per phone (mobile or landline)

> prices of a good menu in a traditional restaurant

- £15-£25

> council tax:

abt £90 a month

#22 03 April 2011 17:52:03

flicMaker
flicMaker
Seattle

Re: Cost of living in Scotland

Very active blog with lots of great information!  How is living in Scotland in terms of family life?  What are the schools like for the kids? Activities?

That National Insurance cost seems like a lot.  I assume it's similar to Social Security here in the states.  Is that money kept for the individual until retirement or is it thrown into a pool and divied out to everyone (like it is here :( )?

See you soon!
Scott

#23 06 June 2011 21:50:20

fpln
fpln
ottawa

Re: Cost of living in Scotland

hello everyone,
my husband has an offer in Turnburry for 30 000 per year, we have 1 child (15months), and we would like to have more informations. i read your posts but all are for Edinburg or big cities. i know it`s impossible to live in turnburry, so we`re looking for Ayr. could you, please explain me for the taxes, an appartment with 2 bedrooms, if there is occupations for my baby, and us, if french people are appreciate, i mean it`s a small city and sometimes foreigners are not really accepted... anyway, please, tell me everything asap.
thank you.
helene

#26 14 May 2012 17:02:46

haggishunter
haggishunter
Edinburgh

Re: Cost of living in Scotland

im from edinburgh,
I rent from a housing association £390 month
Food... I go to asda and iceland or farmfoods {freezer food}
Im muslim so i buy my meat from the local halal shops, one behind the central moaque and 2 in the square outside mosque.
Transport.... lothian buses are good £3.30 day saver and £45 a month, which means you can jump on and off there buses all day.
Taxis from the airport are expencive as black cabs can't pick up passengers only drop off, there are airport taxis, better to get the airport bus {Airlink} into town center £3.50 single ticket, then either a bus or black cab.

#27 28 May 2012 00:51:55

mj24

Re: Cost of living in Scotland

Generally speaking, is it possible, for 1 person, to live on USD2,000.00 per month?  Thanks Jim

#29 11 September 2012 05:21:59

bhoira007
bhoira007
Jeddah

Re: Cost of living in Scotland

I am currently residing in Jeddah, Saudi Arabia. I have got an offer from a company named WINSTON ENERGY LIMITED, UNITED KINGDOM, SCOTLAND. It has given its address as follows:

Winston Energy

385 Girt's Bridge Rd 

NC 28353,

Laurinburg, Scotland

United Kingdom

Firstly, I want to ask you if there is such an address that exists in your great country, Scotland. Because when I searched for it on net, it showed me that such an address is not in United kingdom but it is in United states in Scotland County.
Please help me out with this.

Secondly, going by the company's information given on its site, it turns out to be a good company and one of my dream companies. Also, it is offering me good package. But I want to confirm whether there is such a company with the above name in Scotland.?? If yes, then hows the company..??

Thank you very much,
Hoping to get a satisfactory reply as soon as possible.

#32 19 September 2012 17:57:23

haggishunter
haggishunter
Edinburgh

Re: Cost of living in Scotland

Just had a friend in america check the address.
It is a real company but DONT give them your bank details till you are there and working for them.
It is in north carolina USa

#33 30 September 2012 00:24:30

Kenneth Reece Morgan

Re: Cost of living in Scotland

I dont mean to be anylytical. I have to know if the teachers are clued up when it comes to Microsoft education. In South-Africa as all south- africans know, we have the problem of unexperienced lecturers and colleges that over charge.Our teachers are simply not adept enough to live up to what you pay for those coarses. Are Scotlands lecturers something to brag about?

Last edited by Kenneth Reece Morgan (30 September 2012 16:13:45)

#34 18 October 2012 12:36:55

FlipinayWeeBlether

Re: Cost of living in Scotland

canadian_girlie wrote:

i've often been curious about the cost of living in scotland... thanks to everyone for the very useful info. :)


how are salaries there on average?

I think in retail about £6.00 (plus) an hour.

WHat field do you work? Nurse? Teacher? etc..it all depends.

#36 24 October 2012 18:25:07

J3sso
J3sso
Newcastle

Re: Cost of living in Scotland

Hi,

I can't really work out how the standard of living in Scotland compares to Australia. In Aus I can live comfortably on $55k per year, in a medium sized city. In Scotland I will only make €20k for the same role. Looking at the sums, it seems that life might be a lot tighter in Scotland, city or not. I've been told though that it works about to be about the same standard of living. Do any Aussies out there have a general impression?

Cheers in advance! :)

#38 14 November 2012 11:07:19

mam82
mam82
Zaragoza

Re: Cost of living in Scotland

Hi everybody!!

I am thinking in moving to Edinburgh next year. Do you believe that it is possible to live there with about 1000-1200 pounds/month?? Renting a room, food, transport,...

Thanks in advance :)

María

#40 05 March 2013 12:49:34

stuarty987
stuarty987
Glasgow

Re: Cost of living in Scotland

Living in Paisley (about 15 mins commute to Glasgow)

Accommodation – We stay in a 2 bedroom flat in the centre of town and costs £450pm fully furnished. I’ve seen 1 beds go for about £300pm in our area, and you can get luxury 2 bedroom flats for about £600-650. Rightmove is a good site to see what you get for your money.

Public transport – I commute to Glasgow by train, which is about £9 a day for a return ticket. The Scotrail site should tell you how much it costs for train travel. Several bus companies offer an all-day ticket for under £3

Food prices – It varies, but if we’re eating in it costs about £20-30 per person for us

Health prices – My employer provides private healthcare through AXA PPP, which has been great on the few occasions we’ve had to claim. Routine stuff is done through the NHS, which has also been excellent for us. Any dental work has been private, NHS dentists are pretty booked up where we are so it has been a little expensive.

Education – Totally depends on what you’re studying and where. Undergraduate courses vary from £1800 for Scottish residents up to £13,000 for overseas students (source)

Energy Prices – We’re on a PAYG system through Scottish Hydro for both gas and electricity, and what we pay varies a lot depending on the time of year. In the summer it can be as low as £60-70 a month, while in the winter it’s closer to £150 a month

Other Common bills – Internet and phone combined is £45pm with BT, although we’re probably paying too much at the moment. TV licence is about £150 a year, and we just have PAYG mobiles.

Food and drink – You can get a decent meal for £15-20 most places, and a beer will cost you £3-4. A good cup of coffee will be about £2-3.

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