Tuition is pro-rated based on course load.
Incidental fees include campus services fees such as Athletics, Hart House, Health Service and student societies fees. Balancing a budget is tough in any situation. The best first step, as advocated by professional financial planners, is to plan in advance. Each year you should be preparing a budget which lists all reasonable expenses for attending University. The budget should include direct educational expenses such as tuition and books and indirect expenses such as rent, food, personal, etc.