Ticha:


Spend what you can afford to clear monthly without accruing interest. That might be your whole food budget plus incidentals. The biggest mistake is seeing it as accessible cash to use nilly willy. Cos it's not. Na finely crafted loan with interest

Rich man's Owo Lapo



Thanks for the advice

Aprokodaughter:


e no wan gree o

"I urge you to wait for the conclusion of the enquiry"

fatima04:


Thats the best actually. Stick to what you can easily afford and refund. CC shouldn't be relied on as it isn't free money. And ensure you payback ASAP. For me I even pay back before my statement comes, although some say its best one pays after to reflect on the Credit report.

How do you check when it reflects on the the credit report?

Can I use it to buy something online and then resell on ebay? Will it affect my ratings?

elisinho:


"I urge you to wait for the conclusion of the enquiry"

we siddon wait

nwauwa:

Thank you. My sister has not complained to us about the bills but its sad watching our once very bubbly and full of life little sister become a shadow of herself, all she makes and gets goes fully into the childs upbringing. she doesnt socialize or complain to anyone probably cuz she doesnt want to be judged or blamed . This is the reason the whole family is trying so hard to ensure the childs dad is made to contribute i saw the childs school fees receipt this term (over 200k) and became very furious. How can she be dong all this silently while the guys does nothing? we have made some progress between yesterday and today

Glad you made some progress but as much as you would like , its her battle to fight and not yours.

gratefulme40:
@canadaishome, I see you are trying to reach me. Honestly, I don’t even remember the email address for this nairaland account. Biko, drop the message here or a contact and I will find you

Thank you
I can be reached on

canadaishome:


Thank you
I can be reached on

Ok. Taken. You can take down your email add now

Have responded

Please who travelled to UK with Turkish Airline?
Is their service good?
I hope they don't require pre departure test for fully vaccinated since there is a layover in instanbul.

I have pounds in exchange for naira please, anyone?

hustla:



How do you check when it reflects on the the credit report?

Can I use it to buy something online and then resell on ebay? Will it affect my ratings?

It will reflect regardless of when you pay. What the CRAs record on is how exposed you are, defaults (late payments, non payment etc) and what new credit you apply for.

If you have a reasonably good credit, apply for an interest free spending or money transfer card then use those funds to trade.

If it's a money transfer card, the funds get transferred into your account (You must not spend on the card at all cos that will invalidate the interest free period)

If a purchase card, my advice will be to use as much of the credit and then start paying it down.

Both cards will come with an initial admin fee of 1-3%.

For example - we have a huge expenditure coming up which we have saved for anyway - we're returning to the UK for 8 weeks this year and about to pay for flights. I've applied for an interest free money transfer credit card and bought all our flights (card limit £14k, flights £9k) and have transferred the remaining £4k into our shares (it's currently 2.2 NZD to £1 pound so 8kNZD worth of shares). I have immediately set up a direct debit to cover the interest free period of 24 months. Direct debit is £625 a month. Remember we already have that money but instead of paying it upfront to the airline, I can budget 6 months at a time and make sure all repayments are covered and make some some extra change in the intervening 24 months from our savings and the rest of the money from the card .

I have used the same process to cover visa application and expenses costs fees for my family when they apply for visit visas, I've in the past used it to trade. You have to be very, very disciplined and not see it as awoof money.

https://www.moneysavingexpert.com/credit-cards/best-0-credit-cards/

THIS IS NOT FINANCIAL ADVICE - I am just sharing my experiences.

Ticha:


It will reflect regardless of when you pay. What the CRAs record on is how exposed you are, defaults (late payments, non payment etc) and what new credit you apply for.

If you have a reasonably good credit, apply for an interest free spending or money transfer card then use those funds to trade.

If it's a money transfer card, the funds get transferred into your account (You must not spend on the card at all cos that will invalidate the interest free period)

If a purchase card, my advice will be to use as much of the credit and then start paying it down.

Both cards will come with an initial admin fee of 1-3%.

For example - we have a huge expenditure coming up which we have saved for anyway - we're returning to the UK for 8 weeks this year and about to pay for flights. I've applied for an interest free money transfer credit card and bought all our flights (card limit £14k, flights £9k) and have transferred the remaining £4k into our shares (it's currently 2.2 NZD to £1 pound so 8kNZD worth of shares). I have immediately set up a direct debit to cover the interest free period of 24 months. Direct debit is £625 a month. Remember we already have that money but instead of paying it upfront to the airline, I can budget 6 months at a time and make sure all repayments are covered and make some some extra change in the intervening 24 months from our savings and the rest of the money from the card .

I have used the same process to cover visa application and expenses costs fees for my family when they apply for visit visas, I've in the past used it to trade. You have to be very, very disciplined and not see it as awoof money.

https://www.moneysavingexpert.com/credit-cards/best-0-credit-cards/

THIS IS NOT FINANCIAL ADVICE - I am just sharing my experiences.

You na Albert Einstein of financial management

Joyousgem:


If you are between the ages of 18 - 40, first time home buyer and resident in the UK, you can consider opening a Lifetime ISA. It allows you to save up up to £4000 a year, the government tops it up with a bonus of £1000. For couples, you can have a LISA each.

I find that having a separate savings account helps with a standing order in place to transfer a fixed amount from salary account to savings account.

I went to Lloyd's bank to open an account last week. The person who attended to me said the government had stopped the ISA thing. Please kindly confirm if this is true

Ticha:


I have used the same process to cover visa application and expenses costs fees for my family when they apply for visit visas, I've in the past used it to trade. You have to be very, very disciplined and not see it as awoof money.

https://www.moneysavingexpert.com/credit-cards/best-0-credit-cards/

THIS IS NOT FINANCIAL ADVICE - I am just sharing my experiences.

Many thanks for the indepth explanation, I will be sure to look at it from your viewpoint

May your blessings be more than the words in your response

Xanderlex:

I went to Lloyd's bank to open an account last week. The person who attended to me said the government had stopped the ISA thing. Please kindly confirm if this is true

Lloyd's bank dey use me play for like one week now

kode12:


You na Albert Einstein of financial management

we no come UK to help Mama Charlie count bridge o. I have to say that I landed on my feet by meeting a very wonderful guy (no didn't date or marry him ) who gave me financial tips and guides from very early on in my immigrant journey. I bless him and his family (especially his wife who didn't decide this single gal was after her husband) everyday

Mikool101:
Please who travelled to UK with Turkish Airline?
Is their service good?
I hope they don't require pre departure test for fully vaccinated since there is a layover in instanbul.

Someone should please help a brother. This is urgent.

Ticha:


we no come UK to help Mama Charlie count bridge o. I have to say that I landed on my feet by meeting a very wonderful guy (no didn't date or marry him ) who gave me financial tips and guides from very early on in my immigrant journey. I bless him and his family (especially his wife who didn't decide this single gal was after her husband) everyday

Yeah, that’s an advantage we don’t have as Africans. Teens here are already talking stocks, bonds etc while the average joe is absolutely clueless

Ticha:


we no come UK to help Mama Charlie count bridge o. I have to say that I landed on my feet by meeting a very wonderful guy (no didn't date or marry him ) who gave me financial tips and guides from very early on in my immigrant journey. I bless him and his family (especially his wife who didn't decide this single gal was after her husband) everyday

You are a wise woman. Thank you for your wealth of financial experience

tushqueen:
I have pounds in exchange for naira please, anyone?

In your dm

Mikool101:

Someone should please help a brother. This is urgent.

The flight is ok. But make sure u eat well before u enter the flight, their food is small and only once I was served till we got to instabul. Just take snacks

U need a pre departure test , day 2 for vaccinated and Day2 and day8 if you are not fully vaccinated, then front page of your lucator form. Nigeria airport will check, and when u get to instabul they will check too. Just make two copies of pre departure test, one will be collected from the Turkish stand in Nig. And the other copy will u will show at instabul during connecting flight.

Xanderlex:

I went to Lloyd's bank to open an account last week. The person who attended to me said the government had stopped the ISA thing. Please kindly confirm if this is true

Yes, the 'Help to buy ISA' closed to new applicants around November 2019. I have recollections of 16 year olds rushing to open one before the deadline. It is basically a tax free savings account. When closing the account for purchasing your home, you received a closing statement from the bank, which on completion of the home purchase, your solicitor uses to claim back a 25% bonus for you from the government on savings of up to £3000.

Lifetime ISA is different but more or less replaced the help to buy isa with 25% bonus too. However, LISA can also be used as savings towards retirement. ISA refers to tax free savings.

Please check the links below for different schemes targeted at helping first time buyers get on the property ladder and that of the LISA. I hope it helps.

https://www.ownyourhome.gov.uk/all-schemes/

https://www.gov.uk/lifetime-isa

omopapa:
Since u are already HCPC registered you can apply for molecular microbiology but I don’t understand the bolded

Good evening
I am a medical laboratory scientist here in the Uk on a masters program I’d love to get in contact with you to go about gaining relevant work experience and eventually registering with hcpc.
My contact is 07936897753. I’d love to get yours so I can reach out to you directly thanks.

Is there a contact number for the High commission?
I applied since October, when there were no appointing options and I yet to get an appointment email. Someone applied last week and said there is now an option to pick appointment dates and the person already attended biometric today. It was not fast track either.

tshoboy:
Is there a contact number for the High commission?
I applied since October, when there were no appointing options and I yet to get an appointment email. Someone applied last week and said there is now an option to pick appointment dates and the person already attended biometric today. It was not fast track either.

Oh wow

That's good news if that's the case.
I hope you get yours sorted soon

tushqueen:
I have pounds in exchange for naira please, anyone?

, which side of the uk are u in ?

Good morning everyone, I landed in uk 2 days ago for 1 year masrters. I want to start looking for jobs, I am an engineer by profession with years of experience. What is the way forward to secure a professional job that can give a chance to study and 20hrs job per week. I need a direction or somebody whom can link me up with the agent.

I'm interested. Which side are you in UK.
Like how many pounds you were planning to sold? What's the exchange rate because I have some Nigeria guys that is interested. I have sent Dm. check and respond.

tushqueen:
I have pounds in exchange for naira please, anyone?

kode12:

Yeah, that’s an advantage we don’t have as Africans. Teens here are already talking stocks, bonds etc while the average joe is absolutely clueless

I do hope your now talking and investing in both stocks and bonds

5gee:


Citizenship granted. I now have the freedom to explore opportunities outside the UK while you all pay off our debts

That's awesome. Congrats @5gee but why do you say pay of all our debts and why do you want to leave?! Is UK in a big economic crisis that makes you want to leave so badly. Please kindly share. I'm considering leaving the UK too. Thank you

Hello everyone,

Please I need help on how to get my money back from ukvi. I applied Nov and got my visa, nownin the UK. During IHS payment I was charged $987, my son was charged 1640.49 and my husband 1640.49 for same length of stay.....

I believe they were over charged, I have sent mails and paid calls and they keep telling me to wait for 6 weeks. Its 2 months now

Please advice me on how I can get my money back

nwauwa:
they don’t pick calls or respond to emails and they can come up with different rules eg this Covid test. I will advise u to do your PCR test. Better to have it than to miss your flight cuz of it

I was able to get someone to go to their office in Lagos. Pre-departure Covid tests not required for fully vaccinated. Thank you.