Your first month costs more than the rent

The first month mixes ordinary expenses with one-off purchases. Separate the two before deciding whether a room or lifestyle is affordable.

Start with a setup list

Write down accommodation upfront costs, basic household items and anything you need to begin classes or work. Mark what you already own, what can wait and what must be available on arrival. Ask what is included before buying duplicates.

Build an ordinary week

Add rent, groceries, transport, phone and other regular commitments. Then list expenses that arrive less often. Keep the estimate in one currency so it is easier to compare with the money you actually have available.

Keep income assumptions modest

Do not build your essential spending around a job you have not secured or a platform bonus you may not qualify for. Think through a slower start and decide which optional purchases you would postpone.

Review after two weeks

Compare the plan with what you actually spent. Adjust the categories that were unrealistic rather than abandoning the whole budget. Moneysmart’s moving out guide (opens in a new tab) is a useful starting point for the costs of establishing a home.

This is a planning checklist, not a statement of what your household should spend. For transfer comparisons, read what to check when sending money home.