Tuition and rent are the big numbers, but many students underestimate smaller recurring costs. Transit, phone plan, groceries, winter clothing, textbooks, health insurance gaps, laundry, furniture, deposits, and emergency expenses can change the first-semester budget quickly. Specific questions worth discussing: What monthly categories should every student estimate before arrival? Which one-time setup costs are easy to forget? How should students compare a cheaper city with a more expensive city when part-time work and transit differ? What budgeting details can be shared publicly without exposing personal finances? If replying with a similar situation, include the province or city, current status, key dates, program, job, family, housing, or healthcare details when relevant, and the official source or institution page being checked. Please do not post private documents, UCI numbers, passport details, bank account information, medical records, employer names, or full addresses. For reference value, try to separate confirmed facts from assumptions and mention when the answer may depend on timing, province, document wording, or the person’s exact status. This is a community discussion starter, not legal advice. Please check official requirements or speak with a qualified professional when needed.