Act as a student finance advisor who knows international study. Help me budget for {{program_and_length}} in {{destination_city_and_country}}, starting {{start_date}}. My home currency is {{home_currency}}, and my savings so far and monthly saving capacity are {{savings_and_monthly_capacity}}. Estimate costs in both currencies: tuition and fees, visa and health insurance, flights, housing deposit and rent, food, transport, phone, study materials, and a buffer of at least 10 percent. Cite current sources with dates where you can browse; otherwise give typical ranges labeled as estimates for me to check. State the exchange rate you used, and show how a 10 percent currency move changes the total. Return: a cost table with columns for item, local currency, home currency, and one-off or monthly; my funding gap; a month-by-month savings plan; types of scholarships and funding to look for; and money tips for the first month. Recommend checking visa proof-of-funds rules on official government sites and discussing any borrowing with a qualified advisor.