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Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Myati: 10:22pm On Dec 02, 2024*

Hi guys! Been so long I've been on this thread. Anyway, I come bearing good news. In the spirit of Christmas, Zing (HSBC multicurrency and FX payment app ) is doing a referral programme where you get £30 for signing up using a referral link and spend just £5 on anything you like. This promo ends tomorrow 3rd December 2024 , so anyone interested can take advantage of it . If you use my link we both get £30. You can go on to refer people as well up to 20 people and you both will get £30. Please note the offer ends tomorrow by 9pm so to be eligible for the offer, you need to sign up and complete all the steps before this time.

Quite frankly it's the easiest £30 you'll make. Takes less than 10 mins to complete the steps.

If anyone needs a link, here’s mine https://zing.me/referrals?referralCode=YTVlZTU4YmMtMmUyNC0zYzA5LTliNjctZDI5NjQyYmI4ZWQw. I signed up a while ago and got my reward back then, although it was £20 then. It’s one of the quickest and easiest ways to earn £30. If you don’t have an immediate need to spend £5, you can top up your amazon credit or Revolut account through Google Pay or Apple Pay with £10 and keep the money. This still counts as a valid transaction.
Here's how :
I just signed up and added the virtual card to Google Pay then transferred £10 from Revolut to Zing.I then topped up Revolut with £10 using the virtual Zing card via Google Pay.
The whole process took me less than 10 minutes.
I got my reward within a month of signing up.

Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Myati: 1:57pm On Aug 04, 2023

koonbey:
I think this thread works well for that purpose , but anyway, I also want to share that the Personal Finance Subreddit is the best resource in this world on money management in the UK. Every conceivable topic has been covered in-depth and every new development is thoroughly discussed in the forum too. Here for anyone who wants to check it out - https://www.reddit.com/r/UKPersonalFinance/

Although I acknowledge the usefulness of this thread and appreciate the information provided, I worry that these information may become buried among the many other topics that are being discussed. Nonetheless, I agree that the link you posted above is fantastic, and it has great potential to benefit a lot of people. Thank you for sharing it.

2 Likes

Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Myati: 2:58am On Aug 04, 2023

Hello guys!
What are people's opinions on creating a separate thread dedicated to discussing money management and money-saving opportunities specifically for individuals in the UK ? This thread would cover topics such as bank switch offers, cashback offers, credit card offers such as AMEX sign-up referrals,money remittance platforms, investment opportunities and platforms like free-trade referrals, eToro, LISA etc, . Given the challenging times we're facing, it would be immensely helpful to support one another by sharing information on cost-cutting measures and ways to earn some extra income effortlessly. While this thread is fantastic, it can be time-consuming to sift through all the information, especially when you only need specific details such as the ones highlighted above. @justwise, @semmyk,@rinzylee,@husla @lexusgs430

1 Like

Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by Myati: 3:19pm On Jul 23, 2023

Viruses:
I applied for visit visa for my mum, due to postponing the biometrics date, the biometrics date is now just two weeks away from the intended travel date mentioned in all the application docs.

We have agreed that the intended travel date will not work so plan to postpone. Do I need to write a letter explaining that we have changed travel date and upload or leave things the way they are?

Health › Re: Strange Recurring Boil Pus On My Child's Back (Viewers Discretion) by Myati: 4:12pm On Jul 16, 2023

webincomeplus:
This is bullous impetigo. Buy Mupirocin cream from the pharmacy and apply on the area. It will heal up within days. Otherwise, you will keep wasting money until it gets worse. It doesn't respond to other topical antibiotics.

Also, act fast, so it doesn't disseminate through the blood. That would be worse!

PS. I'm a medical doctor.

You're right! Most likely bullous impetigo. However, OP mentioned that they have tried treating with antibiotics and it's not been responsive. As much as impetigo has a low systemic absorption, (hence topical abx preferred), Bullous is quite a stubborn one and it may be worth trying an oral abx with a better systemic absorption such as cefalexin.

Travel › Re: Some Tips About Living In Uk by Myati: 5:34am On Mar 25, 2023*

babaowambe:
have you been to to UK at all?be realistic

Mr says he knows a lot of people there.
It is mind-boggling how people who have never stepped foot in a country start advising those that live there.

It's his ilk that relocate and start saying, "I was advised wrongly, I thought it was all rosy. "

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Myati: 6:28pm On Feb 21, 2023*

Travel › Re: Living In The UK: Property,Mortgage And Related by Myati: 11:39pm On Jan 25, 2023

This is such a rich thread! Not a ftb but even I find it very useful.
Thanks semmyk and every contributor(s).

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Myati: 11:30pm On Jan 18, 2023

mimilyrics:
If in NHS, it's about 9.8%

More like 12.5% on that salary.

tshoboy:
I assume 4.5% pension contribution

This calculation is more like 1.5% pension contribution. No way you'll be paying £165 monthly pension on 80k salary at 4.5% contribution.

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Myati: 4:45am On Nov 23, 2022*

Osoderi:
Hello house pls I need advice my father in-law burial is Jan next year and my hubby is insisting that I have to travel for the ceremony since he is the first son, that I need to be there .
my problem now is I started a new job in September and my confirmation is Feb next year. I don't have leave till March next year when the new leave beginnings . I am thinking of how to talk to my manager about it, if she will agree and give me part of my leave in Jan or I take some days without pay. I am confused. kindly advice pls. Thank u

Even if you're still on probation, you're entitled to annual leave proportional to duration worked in the current financial year. Check with your employer how much leave you have and you can request some time off as appropriate .

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Myati: 10:10am On Oct 04, 2022

Morning!

For all looking to grab some extra £££ from current account switches.
Nationwide currently offers £200 to switch to their account but there are others with other incentives.
https://www.moneysavingexpert.com/banking/compare-best-bank-accounts/

Note that opening or switching 3 or more bank accounts in a short period of time can have an impact on your credit rating.

1 Like 1 Share

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Myati: 2:23am On Sep 21, 2022

Ayowolebami:
Yes I did after a few hours but they simply confirmed what the school had told me already that council does not have any contribution to the subsidy and if school claims it's free for all, I should go ahead.

And if I'm still unsure, I should approach the school for further clarification.

I will suggest you ask the school for further clarification and not take the words of the council for it. The 30hrs funding is from the government not the council as you're told.

Steer very well clear of public funds . As far as UK.gov is concerned, schools are only completely free when a child reaches the compulsory school age irrespective of immigration status .

3 Likes

Travel › Re: Nigerian Man Speaks On High Rent In The United Kingdom by Myati: 12:12am On Jun 07, 2022

GreyLaw:
Thanks. I am moving to the UK in a few months. My annual income will be around £130k. And I may make much more than that. That's okay for me. I don't care what nonsense that guy is writing there. If he doesn't like it he should come back to Nigeria and go rent a duplex in Ikorodu or Lugbe in Abuja. He shouldn't disturb us. Was he telling us to clap for him?

Your annual income is £130k? And you may make much more than that, yea? Are you a ceo of a multinational? Or are you just projecting?? Until you land in the abroad and receive your paycheck suffry suffry on the loudness or in this case lieeeeeesssssss grin

3 Likes 1 Share

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Myati: 1:01am On Jan 27, 2022*

Myati:
Good to know it is sorted now.

Cash for grabs

For those not yet on PayPal

You can sign up using this link and you get £10 when you spend £5 https://py.pl/gaNlT

Also for anyone looking to snatch up some £££. There are a variety of traditional banks offering hundreds of pounds to switch to them.

Note, you may have to have 2direct debits(dd) to qualify for the switch or pay in some minimum amounts.

For the HSBC advance account, you only need to pay in £1500+ initially to qualify for the £150 switch offer and if you don't have 2 dd, you can set up standing orders with your current bank account to qualify.

For anyone wanting to take up the HSBC advance account switch offer, Act now! the switch offer ends on Friday 28/01! It is only this account that does not require dd only (you can use standing orders) so if you want to take it on, do so by tomorrow.

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Myati: 8:31pm On Jan 25, 2022

TheGuyFromHR:
Putin na another craze man.
I've stopped checking the markets and my ISA, might as well just hunker down for the long term.
On the other hand, for those which strong minds, this is the time to buy...

I am not even in the least tempted. I'm too disappointed. embarassed

Lexusgs430:
You did not cry when it was all green and you sold some positions o ..........

It's a time to shop ........

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Myati: 7:22pm On Jan 25, 2022

Viruses:
What if I'm not switching, I just want a new account will I get this bonus?

No. The cash offers are for switchers only

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Myati: 7:18pm On Jan 25, 2022

Am I allowed to cry embarassed

This is march 2020 all over again.
@Lexusgs430

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Myati: 6:32am On Jan 25, 2022*

mizGene:
Thanks Hustla and Myati and Kaylov12..

Good to know it is sorted now.

Cash for grabs

For those not yet on PayPal

You can sign up using this link and you get £10 when you spend £5 https://py.pl/gaNlT

Also for anyone looking to snatch up some £££. There are a variety of traditional banks offering hundreds of pounds to switch to them.

Note, you may have to have 2direct debits(dd) to qualify for the switch or pay in some minimum amounts.

For the HSBC advance account, you only need to pay in £1500+ initially to qualify for the £150 switch offer and if you don't have 2 dd, you can set up standing orders with your current bank account to qualify.

1 Like 1 Share

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Myati: 3:34am On Jan 24, 2022

mizGene:
Thanks. Someone shared moneybox earlier, for some reason it didn't recognise I am in the UK...kept saying not available in your country try...so I cdnt download it. Still same result now.

Anyone have a clue what the issue is? This also happened when I needed to download the tesco app.... And no, I am not using a VPN and Google can access my location

Strange! Are you using WiFi or mobile data? If mobile, try accessing the website using a WiFi connection, if home WiFi, try downloading on a different WiFi connection. Clear cache /clutter on your device and then try again. Restart your device etc.

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Myati: 8:03pm On Jan 23, 2022

mizGene:
Any recommendations for a LISA provider? I'm in the market for one.

I used Skipton building society back then but I think you might be better off with moneybox just because you can do more with moneybox.

https://www.moneyboxapp.com/isa/lifetime/cash/

By the way, you can open your Lisa account with as little as £1 just to get it rolling and fund the account when you have your lump sum. This is especially beneficial to those lookin to use a LISA account towards their first home. You need to have opened the Lisa account for a year before you can withdraw the funds.

Modified.. You need to fund it with £4000 before April if you want to get the max government bonus (£1k)this financial year.

5 Likes 4 Shares

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Myati: 4:34pm On Jan 23, 2022

eyesaswide:
Money expert …. Please what bank would you recommend I open an account as a JJC here?

Your best option would be monzo for now. It saves you the stress of proof of address.

Use this link and you get £5 when you transact
With your card.

https://join.monzo.com/c/8xvb86m

4 Likes 1 Share

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Myati: 1:15pm On Jan 23, 2022

I'm back with my money saving or money making avenues. Good one on all the SIPP talk. Like someone said you can maximise your workplace pension by increasing the minimum contribution since most employers match the increase with a higher percentage. I went from contributing 3% percent for 2% employer's contribution (on auto enrolment) to contributing 6% for employer's 12%.

For anyone looking to save/make some cash whilst spending, utilising TopCashback when you shop online is the way to go. You essentially get cashback on items purchased from legit UK retailers . If you go through TopCashback website to retailers website , you will earn cashback that goes as high as 20% or even more.

You also get £10 on sign up using the link below

https://www.topcashback.co.uk/ref/tinux

Honestly though, in this 2022,keep your ears to the ground... We need to be making money and/ saving money so embrace every avenue that legally allows it . You can call me your Nairaland moneysaving expert grin

4 Likes 5 Shares

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Myati: 12:08pm On Jan 19, 2022

seunoj:
What if I want do diss EON

It is actually E-ON next, not E-ON( it is a subsidiary sha.

Just click on the link in the initial post to get the £50 credit and the instructions on how to switch is there. Ensure you read all the fineprints and compare around to ensure you're on a great deal. Their rate is alright though.

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Myati: 11:56am On Jan 19, 2022*

obalala:
I for like change ooo, finally gotten an apartment on Monday and the energy provider is scotish power, the reviews I have been seen about the scotish power isn't good at all .. got an idea on the process to change ?

We were with Scottish Power too, and I'll say please leave as soon as you can if you're able to. I have said I will never use Scottish Power again even if they were the only energy provider left. It got so bad I reported them to ombudsman but unfortunate to learn they sponsor ombudsman so that's where their loyalty was, Hence the matter wasn't resolved. Was on the brink of suing them before they eventually sorted our issue.

To switch just click on the link in my initial post, insert your details to get a quote,.If you're happy with it, EON-NEXT will start your switch process. You won't have to do anything.

5 Likes 3 Shares

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Myati: 7:42pm On Jan 18, 2022

Hello,
How's everyone doing?

How's everyone gearing up for the increase in bills come April?

Anyway, for anyone looking to switch energy provider, you can join E-ON NEXT. They have a good rate, and if you sign up with my link, https://share.eonnext.com/iron-wren-281

you get £50 credit towards your bill.

With energy prices going exponentially up come April, if you can, you should switch now.

1 Like 1 Share

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Myati: 7:54am On Dec 13, 2021

careerwoman:
So invariably it means that someone can stay in a green list country for more than 10 days and be allowed to enter.

I think Justwise is making a case against visit visa and not people with residency status . The point is if you're on a visit visa you're banned from the country (no option to self isolate /pay 2300 quarantine fee) so your place of visa issue is put into consideration.

It's a different case for UK residents as they are not banned, they are allowed entry but just need to pay quarantine fees but as long as they have not been in a red list country in the last 10 days, they don't have to pay.

Modified
You might still be able to enter the country using a visit visa irrespective of place of issue as long as you've not been in a red list country in the last 10 days.

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Myati: 12:50pm On Oct 19, 2021

mizGene:
Thanks.
Now that you mention it, I faintly recall that story, the guy got a fine of 10k.....
I may have to just get as many informal lessons as I can so that I can take the tests soon after getting a provisional..

You also need to have passed your theory test before you can book your practical test and you need your provisional license to book the tests.

1 Like

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Myati: 11:34am On Oct 12, 2021

Lexusgs430:
I am never emotionally attached to shares, I have a set benchmark of 50% financial growth.........

Good strategy! Thank you. I will keep that in mind.

Aphrodite007:
Thanks dear. Well there are other channels e.g getting sponsored by my employer by I want they as a last resort because I don’t know how to commit to one employer for more than 1 year. Also my last manger wanted to use my employment visa to bully me. If I can do things on my own, I prefer to.

Fair enough. I wish you all the success in the next application,. It will all work out in the end, just keep a positive mind.

Mamatukwas:
Does anyone here use moneybox? Would you recommend.

I just started using it. I use it for Stock ISA..it is linked to my account so I set up a weekly dd that goes in to the stocks. I also took advantage of save the pennies which is diverted to ISA stocks. Nothing major with it. It's a UK market so quite unlike etoro.
You can get cashbacks or offers if you go through the app to shop in selected shops. (a bit similar to topcashback)

1 Like 1 Share

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Myati: 4:57pm On Oct 11, 2021

Aphrodite007:
Went on a hiatus guys- sorry for my absence- was dealing with a divorce (we just grew apart chasing money hehe)

Sorry to hear about this. Hopefully it's for the best.
Are there no other channels to survey beyond the talent acquisition?
Hope everything works out for you. Stay strong and motivated.

PS
I always enjoy reading your post.

1 Like

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Myati: 4:54pm On Oct 11, 2021

Myati:
Hi lexus, I joined using your invite and I've funded but I'm a beginner in the world of investment. Does the green flashes indicate a good for buy or sell?i have copied a few but I'm also targeting some dipped shares now. What's your position on alibaba? Btw I'm in the field for the long haul so longterm investment.

I am trying to educate myself in every way. I've always been scared or maybe a bit too careful in staking my funds but the bull needs to be taken by the horn now!

Hi lexus, thanks for promoting etoro here. I have just started investing and talking about alibaba, as at when this question was asked, it was falling at an exponential rate, I decided to seize it then-my regret is that I invested just a little, now it's growing rapidly.

And Im learning everyday, I've made some wrong moves... But I'm quite excited about the prospect of growth.

3 Likes

Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Myati: 2:56pm On Sep 26, 2021

Lexusgs430:
I would advice you to use your virtual equity, copy a few traders, buy some shares, index funds, etf's (don't buy CFD's)......... Etc etc

Then download apps like barrons, Insider, stock screener, stocxy etc etc

Watch YouTube videos (Sasha Yanshin, Peter komolafe)..... etc etc

Educate yourself.......

NB : Your stock positions would turn red..... You never lose money, unless you sell, a losing position......

Don't get emotional with shares, once you hit a high % you have set, feel free to sell position........

Copy teatea_chi (she knows the markets, like a pro).......

The beauty of copying trades, is you can view their portfolio in real time..... Then simply buy positions, they buy......

Look through apps posted, and download investment apps.....

Investing in shares is good, if you have a long term view......

Thanks a lot. Very enlightening!

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