For me, finding a part-time job was a necessity during grad school. Luckily, this was teaching at a local community college one night a week. This teaching experience has been invaluable and quite flexible—and along with my graduate assistantship stipend, I’ve been able to squeak by!
What’s great about living in campus housing (besides the location!) is that phone, internet, cable, garbage, and water utilities are all included in the rent. I live in the Hillside Apartments on campus, however, which use propane for heat. Even for a small apartment, the gas bill gets pretty high.
The *real* cost of grad school at UNI often depends on your level of comfort. Are you willing and able to walk 15 min to class, or pay $120 for a parking permit? Do you want to wear short sleeves in your apartment in the winter and pay high utilities, or put on a sweater?
As an English Lit/Creative Writing student, you may spend $200, $300 or even $400 each semester on books. While it’s true textbooks can be found at University Book and Supply, there are also other, and perhaps cheaper, sources for them. There’s always websites, used bookstores and booksellers farther from campus.
Parking permits can be expensive – you can save a lot of money by not buying one if you live close enough to walk.
Getting started in a new place includes other costs, especially if you live off campus. Utility bills, food, and furnishings must all be taken care of. If you have a car, don’t forget about your car payments, insurance, an Iowa driver’s license, auto registration, parking permits, gas (especially if your drive to school or work is a long one), and maintenance.
When making your budget, be realistic. This is a good time to see what things you can live without (Do you really need cable TV? How often should you eat out?) However, if you’re used to spending money regularly on things like music or clothing, it may be hard to break that habit completely. Budget for your personal needs, things like basic supplies, entertainment and going out, as well as for unexpected bills and emergency costs.
Watch your eating habits; you can save a lot of money by not eating out. A week’s worth of meals on campus or out at fast food costs as much as or more than a month’s worth of groceries. Even if you don’t cook (or don’t like to cook), quick easy recipes are available all over the internet. A small George Foreman-type grill can be a powerful tool. Plus it’s usually healthier to cook for yourself!