I've given a rough guide below for what I've spent so far:
Application fee: £137
New suit: £150
Travel Phase 2/3: £55
Hotel Phase 2/3: £50
Travel Phase 4: £40
Travel to arrange loan: £35
BASIC disclosure: £20
Medical: £317
Tavel to medical: £35
Insurance: £1300
Knowing where I'm going in November... priceless
While expenditure differs from one to the next, the above gives an idea of how much it can all cost before you even get there. I look to have spent over £2200 on getting to where I am now; just to visa to do now!
I don't know where that rumour of 10 grand for living expenses has come in, but unless you're planning to build yourself your very own gold-plated room to live in at Clearways then I'd say you could knock that down by at least a few thousand. I know HSBC have always offered £5k/year, but you don't have to take it - you can take less if you want to.
I decided to go for the whole amount as I want as much breathing space as possible when I'm out there. For the amount I'll be paying back, the extra interest is worth paying to reduce the risk of running out of cash in NZ.
Anyway if I have a surplus I'm sure I'll find
something to spend it on!
Looking at the above post makes me worry about how little I'm worrying about how much I'm spending haha
