Student Advice

Starting Position

• Savings
• Starting Balance
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Income

• Student Maintenance Loan Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Special Support/Maintenance Grant Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• University and Other Bursary Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• NHS Bursary Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Social Work Bursary Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Scholarships Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Parent Learning Allowance Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Childcare Grant Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Adult Dependants Grant Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Part-time Grant Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Career Development Loan Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
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• Income Support Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Job Seekers Allowance Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Incapacity Benefit Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Housing Benefit Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Employment Support Allowance Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Disability Living Allowance Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Child Benefit Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Child Tax Credit/Working Tax Credit Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Universal Credit Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Personal Independence Payments Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Council Tax Benefit Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
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• Wages Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
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• Other Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August

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Expenditure

• Rent/Mortgage Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Endowment Policy Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Ground Rent/Service Charge Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Water/sewerage charges Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Gas Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Electric Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Council Tax Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Landline/Mobile Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Broadband Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• TV (Set Rental/Sky/Cable) Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• House and/or Contents Insurance Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
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• Food and general housekeeping Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Pet Costs Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Clothing Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Newspapers/magazines Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Cigarettes Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Washing machine rental/loan/laundry Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• TV Licence Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Insurances Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Entertainment: eg. Pub, cinema Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Prescriptions Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Haircuts Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
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• Tuition Fees (PG, P/T or International) Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Extra Course Costs Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
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• Fares/travel Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Car running costs: petrol etc. Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Car insurance, tax & MOT Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
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• Child Maintenance Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Child care Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• School Meals Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Court fines Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Hire Purchase repayments Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Credit cards Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Store cards Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Catalogues Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Bank loans Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
• Other loans Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August
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• Other Weekly Fortnightly Monthly Termly (Sep, Jan, Apr) Quarterly (Jan, Apr, Jul, Oct) Quarterly (Feb, May, Aug, Nov) Quarterly (Mar, Jun, Sep, Dec) Annually in September Annually in October Annually in November Annually in December Annually in January Annually in February Annually in March Annually in April Annually in May Annually in June Annually in July Annually in August

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