If the money matters, you're probably doing it for the wrong reasons.
I'd had that thought, but then of course it matters. I'd be a mature candidate so have responsibilities beyond paying the rent. And joking aside, I want to be able to keep biking amongst other stuff for 3 years although I can live frugally (when msjimmy doesn't keep blowing the budget on waitrose finest).
HAzel – I fear I might be a poor student carried by a good post-doc. She has been my MSc tutor – very enthusiastic, very helpful, maybe I relied on her too much towards the end. But it has been a lesson in itself, as much in that she wasn't saying anything that I hadn't thought of myself. Hmmm.
Thanks for the thoughts, people.