What is the best bit of your course?

I started at Manchester doing a BSc Physics and loved the course so much I stayed on to do a Masters. The lecturers make the subject really interesting and that is one of the main reasons I stayed on.

What has been the biggest challenge so far?

Finding time for everything. I have had three years to learn how to organise my own time but I still struggle.

How do you cope with money?

You can live quite cheaply in Manchester if you find the right places to shop and hang out. I do a lot of sport, which stops me from spending too much time in the pub. I only go to bars that have special student offers.

Where do you live?

I moved back into halls of residence for my final year. I wanted to stay somewhere quiet and close to campus. It's much easier because I don't have to worry about the bills each month- everything is included in the accommodation fees you pay at the beginning of each term.

Where will you be in ten years?

I think I would like to become an academic and teach in a university back home in Germany. It depends how I feel at the end of this year. But I really enjoy university life and would like to do something relevant to my studies.

What do you wish you had known when you started university?

I wish that I had appreciated the free time I had during my first year and used it to explore more of the UK. I spent most of the first year with friends or doing sport. The UK is very small and diverse but I have not seen much. This year I am too busy with my studies.

Top budgeting tip

If you need to travel, book your tickets well in advance as it will save you a lot of money. This is true for flights, train and coach travel.

Matthew's Summary

Tuition Fee loan £0
Loans £0
Grants £0
Bursaries & further support £3390
Savings £1500
Termtime work £2688
Holiday work £600
Family and friends £4000
Total Income £12178
Fees £3390
Insurance £60
Accommodation £4644
Utilities £240
Transport £616
Shopping £208
Socialising £744
Eating £1820
Study £252
Total Expenditure £11974
Balance £104