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Nairaland Forum / Nairaland / General / Travel / The Adventures Of A New UK Migrant (283028 Views)
Parenting In The UK As A Nigerian Migrant. / Adventures Of A UK Bound Nurse / The Adventures Of A Village Scholar In Germany (2) (3) (4)
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Re: The Adventures Of A New UK Migrant by Ranchhoddas: 5:14pm On Dec 27, 2017 |
People also include money for haircut in their budget? I am starting to understand why Pidgin2 and her stay-in-Nigeria crew are very insistent on their position. One is not really enjoying life if you have to worry about the minutest things. Haircut? Haircut you said?? 12 Likes |
Re: The Adventures Of A New UK Migrant by imconfused(f): 5:15pm On Dec 27, 2017 |
Ralphlauren: Right. Husband was in england to start with,things were very tough for DH then,so he moved about a bit. i finished school l,joined him and was jobless for years because I didnt have the right visa to begin foundation year-was a tier 2 dependant and did not do housejob after med school (meaning I must not locum but had to start with their own graduates.)then delay of GMC to approve qualification (took a year!) We have been moving about so much,time flew so fast,we could not get a mortgage because we were tier 2 visa,we gave up.Got ilr,almost bought last year but due to ir35 issues we are moving again as Scotland pay is poor in comparison, definitely will be worse off if adding their tax rises.So we are moving where we can earn more,so even with higher taxes can keep more due to more earning potential. It's a long story,very long and scary to have money lying about but can't get a house due to so much instability. Hopefully 2018 won't pass us by. 6 Likes 2 Shares |
Re: The Adventures Of A New UK Migrant by imconfused(f): 5:18pm On Dec 27, 2017 |
Ranchhoddas: Why not? A budget shows you where your money is going..we like seeing what we spend on,all financial gurus always advice a budget listing even the minutest thing. Hasn't done me much good though 6 Likes |
Re: The Adventures Of A New UK Migrant by Nobody: 5:19pm On Dec 27, 2017 |
imconfused: I came here as a Resident medical officer. I'm only just over 1 year in the UK It was just to get out of 9ja asap, i was stressed out and that was when forex was going gaga and my MD was driving me nuts with errands i earn 10pounds per hour...lol so the hour rate is just silly to try to equate what junior doctors earn in the nhs. we heard the agencies make may be like 50pounds per hour, but we only get 10 and feeding. anyway, i was like an aquarium fish dropped in the ocean, so i had to get my bearing and this was a softlanding and realised that UK is not the heaven it was fabled to be. i can only work 20hrs extra work during my free time 1 week offs every other week, and nhs locums pay about 40-45pounds PAYE, although they've reduced it in London to 32 PAYE. I tried Umbrella a bit, but there were hidden charges and locum jobs are not usually regular. Private company too, but the agency i was using was sloppy and i forecasted just paying an accountant to do nothing, so i opted for PAYE instead and lesser paperworks. Its been ok, i don't live beyond my means or to impress anybody as there's nobody to impress. I doubt my neighbors in the Terrace i live even know i exist. If i die there sef, i won't be discovered until my parents call or the agency come to inspect the rented apartment. My parents would probably just think am too busy....God dey. 8 Likes 2 Shares |
Re: The Adventures Of A New UK Migrant by imconfused(f): 5:22pm On Dec 27, 2017 |
Falzdbadtguy: How can you earn £10 an hour as an RMO? Habba!!! You are doing very well,you've taken the first steps and it will pay off! Just keep your eye on the ball.Buy house asap when you can.. |
Re: The Adventures Of A New UK Migrant by Nobody: 5:24pm On Dec 27, 2017 |
imconfused: we actually sign a non-disclosure and are not supposed to tell anybody. Anyway, i will leave the job next year by God's grace. Its still same pay as SHO-grade in NHS, you get like 2,600 after tax |
Re: The Adventures Of A New UK Migrant by imconfused(f): 5:27pm On Dec 27, 2017 |
Falzdbadtguy: You are being ripped off and exploited!! I'm soo sorry about that.If you were working directly under the NHS,then at least you know that's the usual pay. I'm just year 2 and our pay is similar,chaii..don't worry your escape is near |
Re: The Adventures Of A New UK Migrant by Ralphlauren(m): 5:28pm On Dec 27, 2017 |
imconfused: Again, I’m surprised you couldn’t get a mortgage on a tier 2 visa. I know people on the notoriously complex tier 1 entrepreneur visa that got a mortgage easily without any issues at all. Before you move out of Scotland, you really should look at the pros and the overall picture and not just concentrate on your pay. Houses are cheaper in Scotland compared to some parts of England. You do not have to pay any prescription charges. The government is increasing free childcare hours. University education is free. Standard of living is really good and most importantly it’s a good place to raise kids (when compared to places like london and Birmingham). The complaint about ir35 will still apply irrespective of what part of the country you movr to. 4 Likes |
Re: The Adventures Of A New UK Migrant by imconfused(f): 5:32pm On Dec 27, 2017 |
Ralphlauren: Yes,we have considered it all ,spoken with friends etc and this is the better option for us.Many of our friends in similar professions have moved to england.Will port back for free uni when the kids are older. We tried on the tier 2 and were rejected so didn't bother again,just started storing up money,lol. |
Re: The Adventures Of A New UK Migrant by aje33: 5:35pm On Dec 27, 2017 |
With everything I've read here, I think if one can be making 400k and above per month in Abuja, he or she should be better off here than most folks in UK. Am I right? 9 Likes |
Re: The Adventures Of A New UK Migrant by Nobody: 5:41pm On Dec 27, 2017 |
aje33: If it is that easy to earn 400k and above in Abuja.. Even those living in UK will come and live in Abuja 12 Likes |
Re: The Adventures Of A New UK Migrant by imconfused(f): 5:41pm On Dec 27, 2017 |
aje33: Yes,with 400k and above you will be better off than most folks in uk |
Re: The Adventures Of A New UK Migrant by Ralphlauren(m): 5:42pm On Dec 27, 2017 |
aje33: Please shift. I’m not here for any UK vs Nigeria debate. Remain wherever makes you and your family happy. Nobody has asked or begged you to relocate. 20 Likes |
Re: The Adventures Of A New UK Migrant by Ralphlauren(m): 5:45pm On Dec 27, 2017 |
imconfused: Maybe you should move back to nigeria (Abuja ) then. Tell me how many “salary earners” have over 38million naira (£80,000) as “savings” lying idle in their bank account. 13 Likes 1 Share |
Re: The Adventures Of A New UK Migrant by imconfused(f): 5:46pm On Dec 27, 2017 |
Ralphlauren: I was being sarcastic .. Don't know.why people love all these comparing and contrasting.. Things are just so different, different challenges too. Besides all the money is for a deposit and related costs so in reality savings zero. 8 Likes 1 Share |
Re: The Adventures Of A New UK Migrant by Ralphlauren(m): 5:47pm On Dec 27, 2017 |
imconfused: Hahahahah. Okay then. |
Re: The Adventures Of A New UK Migrant by Nobody: 5:51pm On Dec 27, 2017 |
imconfused: Or you can invest the money in Bitcoins 2 Likes
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Re: The Adventures Of A New UK Migrant by imconfused(f): 5:52pm On Dec 27, 2017 |
Falzdbadtguy: my hand nor dey that one.i think Claremont suggested petrofac..have been looking into it,if for nothing at least for the kids 1 Like |
Re: The Adventures Of A New UK Migrant by Ralphlauren(m): 5:56pm On Dec 27, 2017 |
imconfused: You live and work in the UK. Your kids all live and school here. Buying/owning your own home here in the UK should take priority over building or owning a home in nigeria. Building in nigeria isn’t cheap and it comes with a lot of headache. People will try real hard to reap you off. Why spend £40,000 on a home in nigeria that you will end up visiting barely 2 weeks in a year when you are paying rent (effectively paying someone’s else mortgage) in the UK. Get a mortgage (especially one that allows you overpay at least 10% of the outstanding sum in a year) and you will be amazed that in 10years, you will own the home outrightly. Mortgage rates are low at the moment. Take advantage of it before things change. 8 Likes 2 Shares |
Re: The Adventures Of A New UK Migrant by imconfused(f): 6:00pm On Dec 27, 2017 |
Ralphlauren: Forgot to add that one of the issues with getting a mortgage was that husbands earning was very low,we had like 2 years of him getting his bearing while I was in uni,heavy challenges.3 years of close to nothing and I wasn't working at the time..saddled with children too so we could barely save a thing especially with the weight of naija maintenance..I guess we were not suitable candidates for mortgages at the time.Then I started work,his earnings improved massively and we started saving like mad,that's how we've gotten this deposit.. Thank you for the serious food for thought and amazing insight..its the parents harassing us and we felt that since we have saved a good amount for deposit we can now use next savings burst to build something that can be giving us an income in Nigeria( we intend to rent it out). Definitely are buying asap once we pinpoint an area to live in.this low interest rates cannot pass us by. Thank you sir for the advice. 4 Likes |
Re: The Adventures Of A New UK Migrant by Lexusgs430: 6:06pm On Dec 27, 2017 |
imconfused: You want to use expensive money for an anticipated cheap rental income in Nigeria? How much would you spend on an asset in Nigeria? After completion, what would be your rental income per year? 4 Likes |
Re: The Adventures Of A New UK Migrant by aje33: 6:09pm On Dec 27, 2017 |
Looks like you're having a bad day. Please carry your aggression wakaa Ralphlauren: |
Re: The Adventures Of A New UK Migrant by imconfused(f): 6:11pm On Dec 27, 2017 |
Lexusgs430: That's why I'm here for help..we are being harassed into building.. definitely applying breaks on that after the advise. We aren't really good with money stuff as you can read |
Re: The Adventures Of A New UK Migrant by Lexusgs430: 6:15pm On Dec 27, 2017 |
Ranchhoddas: If you style your hair every week, that's £10 each time. £10 * 4 or 5 times = £40/£50....... You would understand why it's advisable to include £40 or £50 in your budget planner....... |
Re: The Adventures Of A New UK Migrant by Ralphlauren(m): 6:17pm On Dec 27, 2017 |
imconfused: Damn. Why are your parents harassing? You shouldn’t give in to their pressure and talk. Once they bring it up, just say “thank you sir. God will do it. “ I do not know what part of Nigeria you want to build but if it’s in a place like lagos, £40,000 Won’t go very far if you want to build in a decent part of Lagos and earn a decent rental income. Maybe you should look online for the prices of land in nigeria. You will be amazed. Rather than chasing rental income in nigeria, invest in buy-to-rent properties here in the UK. There is so much money to be made in the buy-to-rent market. Not only are you guaranteed a decent rental income but you are also building up a property portfolio which after retirement from your day job will serve as an income earner and add to your pension fund pot. 10 Likes |
Re: The Adventures Of A New UK Migrant by aje33: 6:17pm On Dec 27, 2017 |
That's actually the average salary of guys in my office here in Abuja per month. Sorry to bother you guys about my "undue comparison" but I'm currently considering relocating to Canada so I need informed opinions of guys abroad. Thanks maynia: |
Re: The Adventures Of A New UK Migrant by Lexusgs430: 6:18pm On Dec 27, 2017 |
Ralphlauren: No one plans for a marriage to fail, but also consider the aspect of the family home been included in the ratio, regardless of wives name been on the mortgage deed or not..... Starting ratio point in terms of equity sharing is 50/50..... |
Re: The Adventures Of A New UK Migrant by Nobody: 6:18pm On Dec 27, 2017 |
My parents have been trying to finish building their house since 1997. The thing is like a vicious bottomless pit, like a nymphomaniac with an insatiable appetite for money 4 Likes 2 Shares |
Re: The Adventures Of A New UK Migrant by Nobody: 6:20pm On Dec 27, 2017 |
Falzdbadtguy: Sometimes, i am superstitious about him even finishing the house, as if its tied to...you know! 2 Likes |
Re: The Adventures Of A New UK Migrant by Nobody: 6:21pm On Dec 27, 2017 |
I met someone who bought a house in London in 2002 for a little over 200,000 pounds. He wants to sell the house now and told me its valued at 450,000 pounds 2 Likes |
Re: The Adventures Of A New UK Migrant by Lexusgs430: 6:21pm On Dec 27, 2017 |
UKmigrant: Just enjoy everyday as it comes and remain focused....... |
Re: The Adventures Of A New UK Migrant by Nobody: 6:22pm On Dec 27, 2017 |
My friend adviced i open an account with Halifax, he was trying to explain the intricacies, all i just assimilated was open an account with Halifax....lol |
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