Bills can be a shock to the system of those who have been blissfully cushioned from the real cost of living. On the plus side for as long as you're a student you'll be sheltered from the cost of council tax (assuming you are living with other students).

Please don't forget your TV licence- for £142.50/year it will provide you with hours of cheap entertainment. The fine for not having one can be up to £1000 and you'll often see the licensing squads vans targeting known student areas (www.tvlicensing.co.uk)

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Pay your bills on time or you could get adverse credit history!!