₦airaland Forum

Focus should be on getting the millions of out-of-school Nigerian children, back into the school system.

Permissive parenting, emotional dysregulation.... bigger issues ahead.

Sexually violating your daughter all in the name of what?

Effect of the mix of religion with schizophrenia.

He was in the business of killing people, so getting killed is part of it.

Same currencies politicians would use during their primaries and conventions.

The idiots wasted a life, got the car to sell off cheap and spend on alcohol, drugs, clothing and sex.

“The critical question remains: why are so many Nigerians abandoning their Nigerian passports for British, American, or European ones? ...I will not abandon my Nigerian passport after getting that of the British but Nigeria's declinism can not be airbrushed.

Also ask ChatGPT, how Nigeria can collect the £1 trillion.

Sent to fight war, they shouldn't have.

Olabestonic001:
I was most likely saving more money than most folks in the UK while I was still in Nigeria. When we talk about people who have savings after bills, you UK people should stop disturbing us, jooor. That country where most of you earn less than £30k in a year (gross) is not that much a country you can make wealth.

What is the percentage of Nigerians in Nigeria, earning up to a total of N1m in a year (gross)?

Nigeria being an easier place to make wealth and save more money, what percentage is living in multidimensional poverty?

"To further buttress his point, the embattled preacher noted that the number of young black men in UK prisons and mental homes far outweighs those in schools"......Most come from dysfunctional homes and some go ahead to further mess themselves up by being gang members and addicts despite better opportunities they have over youths in Africa.

MaiDeribe:
Groceries £200 - £300 ₦15,000 - ₦20,000 London groceries take a bigger share of income due to higher costs.
I never said 600Naira,i pasted it again 15k-20k, bulk purchase from the market on market days. No supermarket shopping, all organic food, fresh from the farm by the local farmers, you buy whats in season.

Starting salary 1600 pounds, for how long do you want to live in a single room as a grown man ? Do you know what it takes to move from monthly salary of 1600 pounds to 2600pounds. 99% of JAPA dont get that salary incerement. Unless you go back to school to get a certificate.
After 20 years you might not even have 20k pounds savings.
I am not knocking living abroad. But dont make it out to be a bed of roses. I have lived in Manchester, London and New york.

I don't live in a single room but I know what progression is when laser focused and investing in personal development...I packed bananas at Fyffes Bananas, earning minimum wage as a student, today I am a Clinical Practitioner working in the public service with a London borough, with good working environment and welfare package while still earning online when off work, offering sessions to clients.

Living in Nigeria is neither a bed of roses, as those who are also in government are always looking for excuses to spend time abroad.

MaiDeribe:
Groceries £200 - £300 ₦15,000 - ₦20,000 London groceries take a bigger share of income due to higher costs.
I never said 600Naira,i pasted it again 15k-20k, bulk purchase from the market on market days. No supermarket shopping, all organic food, fresh from the farm by the local farmers, you buy whats in season.

That averages N600 daily by that range.

The price of bread at Tesco supermarket in Manchester, is the same as Tesco supermarket in London.

Ironically, Nigerian food is cheaper in London in comparison to other places I have lived in the UK. I also bulk purchase yam, potatoes, tomatoes, pepper, apples, avocado,onions, plantain, fresh vegetables, bananas, oranges, grapes etc from open markets here in London

MaiDeribe:
Below is the updated comparison table that includes Tax and National Insurance (NI) deductions for London’s income of £1,640 monthly alongside Kaduna’s ₦80,000 monthly income.

Category London (£1,640) Kaduna (₦80,000) Observations
Gross Monthly Income £1,640 ₦80,000 Gross income before any deductions or spending.
Tax & NI ~£300 - £350 ₦0 UK income below ~£12,570/year is tax-free, but NI starts at ~£12,570. Nigeria imposes minimal tax.
Net Monthly Income £1,290 - £1,340 ₦80,000 London income drops ~18-21% due to tax and NI; Kaduna income remains unchanged.
Monthly Rent (Room) £800 - £1,000 ₦30,000 - ₦50,000 Rent in London consumes 60%-75k% of net income; Kaduna rent uses 37%-62% of total income.
Utilities (Electricity, Water, etc.) £150 - £200 ₦10,000 - ₦15,000 London utilities remain costly; Kaduna has much lower utility expenses.
Groceries £200 - £300 ₦15,000 - ₦20,000 London groceries take a bigger share of income due to higher costs.
Transportation £150 - £250 ₦10,000 - ₦15,000 Public transport costs are higher in London. Kaduna’s public transport is far more affordable.
Healthcare & Insurance £150 - £200 ₦5,000 - ₦10,000 Healthcare costs are unavoidable in London due to insurance/private services; Kaduna is cheaper.
Internet & Phone £40 - £60 ₦8,000 - ₦12,000 Internet and phone services remain far cheaper in Kaduna.
Entertainment £100 - £150 ₦5,000 - ₦10,000 London entertainment costs significantly more due to lifestyle and city pricing.
Miscellaneous £50 - £80 ₦5,000 - ₦10,000 Unexpected expenses are notably higher in London.
Savings Potential £0 - £50 ~₦5,000 - ₦15,000 Savings are minimal in London, but Kaduna allows for some flexibility.

Key Adjustments with Tax and NI
1. UK Tax and NI Impact:
• At £1,640 monthly (~£19,680 annually), the UK applies:
• Personal Allowance: First £12,570 tax-free.
• Basic Rate (20%): Remaining income above £12,570 taxed.
• National Insurance: Kicks in above ~£12,570.
• Effective deductions bring take-home pay down to £1,290 - £1,340 monthly.
2. Kaduna Context:
• Nigeria’s taxation on ₦80,000 income is negligible for most individuals.
• No mandatory deductions like National Insurance.

Insights
• After tax and NI, London’s disposable income shrinks, pushing financial stress higher.
• Kaduna offers a higher proportional purchasing power with minimal deductions, allowing for a modest but potentially sustainable lifestyle.

If you are using London as comparison then use Lagos for Nigeria.

If you must use Kaduna then compare it with cities like Liverpool with cheaper rent, where £300 gets one a room in a shared house, bills inclusive. Go to spareroom.co.uk, there are also £600 rooms in London, utilities bills inclusive.

By the way, monthly bus & tram pass in London is £94.90.

Unlimmited calls, texts and nternet subscription to phone is less than £25 monthly and WiFi connection in most houses is part of the rent.

The £1,640 is after deductions, not gross pay for someone working 40hrs per week.

So N600 can take care of an adult feeding well in a day, in Kaduna?

MaiDeribe:
We are comparing cost and affordability on UK and Nigerian salary.
Pros and Cons

A minimum wage earner who is single and working 40hrs werkly can have a take home pay of £1,640 monthly.

He gets a £500 per month room in a shared house, bills inclusive.

£640 for his/her other expenditures, having a monthly savings of £500.

Now calculate for the minimum wage earner of N80,000 in Nigeria who is also single.🤔

MaiDeribe:
Why are you afraid of saying your rent ?
Mr i make 15 figures in Zimbabwean dollars.

Why do I have to tell you what I pay for mortgage?

How does that advance the thread?

motymop:
Nigeria didnt santion Iran

What the airline did was legal.

Then why didn't Azman Air boldly inform the Nigerian Civil Aviation Authority that it was delivering the aircraft to Iran rather lying it was heading to Kabul, Afghanistan?

MaiDeribe:
Lol, i told you my rent. Tell me yours.....I am driving at something.
I lived abroad before moving back (willingly) to Nigeria.
Dont mention 7 figures in Naira, you dont live in Nigeria.
Its can 15 figures in Dominican Peso's. Do you live in Dominican republic ?

Drive at whatever you are....I didn't mention Lebanese Pounds.

After expenditure what remains for investments, holidaying, personal development etc?

MaiDeribe:
How much is your rent ? Mine is 60 thousand Naira monthly 30 Pounds.

How much is your savings every month after bills and all other expenses? Mine is seven figures in Naira.

MaiDeribe:
Why does the corrupt uk accept the stolen public funds ? If they are not conniving with the buyers of these properties, they would repatriate the monies and hospitals and schools will be built.
Kemi cannot take the moral high ground knowing fully well the UK is complicit with the financial crimes carried out in Nigeria.
Feeding is not cheaper in the UK, its "more affordable"....difference is if you buy bananas for 3 pounds in uk and buy 6000 naira banana in Nigeria, the one in Nigeria will be more (ie is cheaper). I hope you now know the difference

Start with, why Nigerian leaders are stealing from their people when they know they need schools and hospitals.

Food is cheaper based on income!

I bought this attached imported Plaintain, all for £3 here in London....£3 is what someone on minimum wage (after deductions) earn in under 20mins....what I spend on feeding well here is way lower in percentage than I will in Nigeria with same Nigeria's minimum wage.

Quintessence44:
So why hasn't Kemi BadLuck asked Britain to return the looted funds?

She can ask them to send 'alerts' to the accounts of ordinary Nigerians, ie BLESS ordinary Nigerians with mass electronic cash transfers.

The British hold literally TRILLIONS OF POUNDS made from Nigeria since the 1860s.

Is it because she knows they will KICK HER BLACK BUTT OUT for suggesting such an 'outrageous' thing?

The fundamental question is: why are Nigeria's political leaders stealing from their own people and keeping it with strangers?

MaiDeribe:
Neither is Nigeria Kemi's problem
UK has people robbing people's phones and wristwatches on scooters on the streets of London.
UK has the worst homelessness crises
UK has the NHS falling apart
UK has the worst children malnutrition crisis in modern history.
UK has inflation of food
Iliyasu Gadu did not wake up and make all that his problem
Why should Kemi with her full plate of problems ignore all of that and start attacking Nigeria and Nigerians ?

But UK is where many Nigerian political leaders stash their stolen public funds, where many come over for their healthcare needs while not investing in quality healthcare facilitiesin Nigeria, their children attend high paying school fees and live large in the UK.

You can't compare the percentage of those sleeping rough in the UK to that of Nigeria.

Feeding is way cheaper in the UK when compared to Nigeria

Iliyasu Gadu should redirect his effort in writing this dissertation on top Kemi's head to tackling his Northern leaders for the millions of out of school children littering Northern Nigeria, that has become easy recruitment pool for banditry and terrorism.....Kemi Badenoch is not his problem.

atoliman:
They did this on purpose because historically Islam and Christianity do not mix. India and Pakistian broke up because one side was hindu or buddism and the other side was Muslim
Same with India and Bangalesh

They insisted they were different and got 3 Countries out of the earlier arrangement.

One was my set during my Msc. days, guy was comfortably paying £1,700 monthly for one bedroom apartment in Central Cambridge!🙄

Did the Russian government had him all tied up and bundled him into the aircraft that took him out of Syria? 😂😂😂

If not Britain, the geographical area called Nigeria today, wouldn't have existed in the first place.

Same SAI BABA, Manna twerked for?

Funke has really hacked the Nigerian cinema market....congratulation to her.

Nigeria Police has done worse.

Nice one.