Finances -- a top concern for all of us . . .Airfare: One-way ticket from America: $700 . . . Extra piece of luggage: $110 . . . One overweight piece of luggage: $25 . . . Hired car (through Bluewave) taking exhausted me from Gatwick to my flat: priceless.
Accommodations: First month's rent, £550; deposit, £550 -- so just over $2000 to get in the door). More on utilities below . . .
If you
don't have a flat before arriving, some B&B's or hotels offer monthly contracts. Unless you're in London, you can get a cheap hotel for about £40 per night, so if there's
any way you can arrange a flat before arriving,
do so. If it's not perfect, you can move later.
Food: I spend about £15-20 a week on groceries. The farmers' market is great -- I loaded up bags of fresh fruits and veggies last weekend for a total of
about £5, then got the remaining items at the supermarket.
Getting-settled: I brought a few things from home (my good flatware set, a few kitchen towels, potholders, a large bath towel, a sheet, pillowcases, and my goose-down duvet). Upon arrival, I went to Sainsbury's for a skillet, a pot, a teakettle, a large oven pan, a pillow, an iron and ironing board, alarm clock, a hair dryer (about £100 for all that).
For the rest, the local charity shops are fantastic -- gorgeous antique dining room set for £40, desk for £25, small stand for £10, and a (complete) like-new bed for £70 (if it bothers you to buy a slightly used bed, do as I did and bring one of those anti-allergy mattress-covers in your luggage -- the ones that are created to keep even microscopic dustmites and the like in their place? You then have a fresh, clean bed at a low price.)
Laundry: A friend told me recently it's £3 to wash, and £3 more to dry. My flat has a brand-new washer, and I bought a huge 'alumin
ium' (and they pronounce is 'al-yoo-MIN-ee-um') drying rack for £10. Since my water is set at a fixed rate (no meter), it really doesn't cost me extra to do the laundry there, with the exception of a small amoun t of electricity.
Utilities: You hook these up with just a phone call. My water account is set at £30. Gas will vary, as will my electric, and all three are billed quarterly. Nice to not see any bills for the first few months, whilst I recover from the moving expenses. None of those pesky connection fees we are always charged in the U.S. (Updated later: First quarter of electric was £55, and first three months of gas was £79.)
Internet/cable/telephone: I have a 4 MB Internet connection for £15 a month, and the phone plan I chose is £17 a month (which gives me calls to America on weekends at just 2 p. per minute). Again, no connection fees -- they'll just do direct debit and begin billing one month after connection. I used NTL (tel: 0800 052 0665). They have various packages -- some as low as £30 a month for Internet, cable, and phone. (I didn't bother with cable -- not that big a fan of telly.)
Council tax: Make a call to your local council within 21 days of moving into your new home, or face a fine. Council tax is based on two adults per household, so get the 25% discount if you live alone. You can pay council tax monthly through direct debit -- mine is £65 a month for a 2-BR flat.
TV licence: If there's a television in your home, you need a licence. It's £131 a year for colour TV, and £45 for black and white. The fine for
owning a TV without a licence is £1,000, and don't try to convince them that you aren't watching it, cable isn't connected yet, etc -- they don't care (on their web page, they
do have a riotous list of
excuses they've heard!). Call 0870 850 1202, or go to their
website and purchase your licence online.
Bus fare: I buy the monthly pass for £36, unlimited use. (You can go online to find the right company, the routes and schedules, and even buy the pass online before you arrive.)
Bank account: This was simple as well. Bring your letter of introduction from Bluewave, your passport/visa, work permit, contract, lease . . . whatever you've got with your address on it, and presto -- you have a bank account! Ask for a line of overdraft protection -- at HSBC, I got £800 initially (interest on overdraft amount is 1.67%). Also, you don't have to make a deposit initially when you set-up the account (unlike America).
NIN: The one we were all stressing over. Pick up that mobile phone that Bluewave has put into your welcome packet, and order the NIN form
the first day (it tells you how in your packet). When it arrives, fill it out and take it to your school on
the very first day. They only have to fill in 4 little boxes on part D, stamp it, make some photo copies of your passport, visa, etc., and send it off to the proper authorities (the address is included, so post it yourself if you want -- I did). And why is NIN is listed in this finance-related post?
"Because . . . (all together now, boys and girls)
. . . without that, you'll be taxed at a very high rate and end up living in a van, down by the river" (for all the S.N.L. and Chris Farley fans reading this).
What have I left out?? Just leave a comment and I'll answer it . . .