Plan for housing, council tax, energy, water, food, transport, mobile phone costs and any visa or immigration fees. Rent and deposits are often the biggest upfront expense, and you may need to provide proof of income or pay a larger deposit if you have limited UK history. Check whether your visa includes a ‘no recourse to public funds’ condition, as this can restrict access to some benefits and housing support; eligibility depends on your circumstances. GOV.UK, your local council and Citizens Advice can provide up-to-date information, while an FCA-authorised adviser may help with regulated financial products.