Welcome, Guest: Register On Nairaland / LOGIN! / Trending / Recent / New
Stats: 3,165,590 members, 7,861,812 topics. Date: Saturday, 15 June 2024 at 08:01 PM

Living In The Uk-life Of An Immigrant (part 2) - Travel (900) - Nairaland

Nairaland Forum / Nairaland / General / Travel / Living In The Uk-life Of An Immigrant (part 2) (1233766 Views)

Living In The Uk-life Of An Immigrant (part 3) / Living In Canada/Life As A Canadian Immigrant Part 2 / Living In The Uk/life As A UK Immigrant (2) (3) (4)

(1) (2) (3) ... (897) (898) (899) (900) (901) (902) (903) ... (1007) (Go Down)

Re: Living In The Uk-life Of An Immigrant (part 2) by Lexusgs430: 9:43am On Mar 25, 2023
MichaelUde:


Rent money is dead money for those wey get money for deposit and the residence status to buy house.
Given current prices and all the wahala, that excludes many people, even those wey be native Brits.

For many people wey just move here carrying their 3 pikins at the age of 45, buying a house fit no work for them yet because before you stabilise it might take a while and saving a deposit of 25% no be easy thing depending on how much you earn and where you dey plan buy house.

Quite a lot of these landlords bought these houses as ex-council houses in the 80s. Interest rates were indeed very high then, up to 15%, but the houses themselves were very cheap, such that almost everyone could afford to buy a house on one salary, with the man working and the woman raising the children, like it used to be in Naija. Now these days, even with most families having two incomes, house prices are so high that to see deposit na war.

Like everything else in life, everybody path go dey different. The amount of squeezing oneself and tightening belt beyond all the holes wey malam fit put inside the leather is a whole lot unless you dey somewhere were prices are low-ish, but those places are usually not where the jobs are. If you wan buy house for Jigawa, price cheap, but work no dey there. If you wan buy house for Lagos, price no be here, but na there work dey and you fit grow your career.

Buying houses outside areas commutable to such places also ties you down. If you buy house for Jigawa, live there for 1 years, come see better work for Abuja, how you wan go take am? You can only rent out a house on a residential mortgage for a limited period.

Landlords too na human beings, no be all of them dey exploit. Some are paying interest only mortgages (which is why that money might be low), some too worked their arses off to save deposits and buy houses, so all na their own profit too. Some are lousy, some are not

And looking at the money spent on housing as a loss no be the best way to look at things. Person get to spend money on services, so you go spend money on transport, that one na money for Lothian Buses or ScotRail pocket, and e don go. You spend money on food, you go shit am out, and e don go too. As a new immigrant without a 25% deposit or Tier 2 visa and a willing lender, you go spend money on housing and that one too na service and that one too go go as well. It is what it is. Overthinking all that one no worth am.

If you get ability to save for a deposit and can afford a house, with all the stress testing of income and everything, go for it. If you cant, your rent money is definitely not dead money, it is paying for your shelter, which is one of the neccessities of life, like food, transport, healthcare, all intangible services wey no dey leave you with a physical asset after delivery.


Nothing in life is easy ....... Without sufficient pain, no substantial gain might be achieved.......

I am not one to give up or make excuses....... Although I agree, buying a property might not be for all .......

But while one person at retirement age, is mortgage free, the other is still paying rent .........😁😜

3 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by gergemam: 9:44am On Mar 25, 2023
Lexusgs430

Abeg Tier 4 fit buy house..

Deposit dey... If the house nah £150,000.00 - £200,000.00
Re: Living In The Uk-life Of An Immigrant (part 2) by Lexusgs430: 9:45am On Mar 25, 2023
gergemam:


Hmm!!!

No be all Landlords dey rip off though... Nah £450 me dey pay oooo


LL mortgage, is probably £120 or property is mortgage free ......

No fight your LL o .......😁😜

1 Like

Re: Living In The Uk-life Of An Immigrant (part 2) by bigtt76(f): 9:46am On Mar 25, 2023
gergemam:
Lexusgs430

Abeg Tier 4 fit buy house..

Deposit dey... If the house nah £150,000.00 - £200,000.00

5 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 9:47am On Mar 25, 2023
Lexusgs430:



Nothing in life is easy ....... Without sufficient pain, no substantial gain might be achieved.......

I am not one to give up or make excuses....... Although I agree, buying a property might not be for all .......

But while one person at retirement age, is mortgage free, the other is still paying rent .........😁😜

Again, e fit be say how life turn out.
Remember be say you land this country 25 years ago, some landed 5 weeks ago. cheesy

1 Like

Re: Living In The Uk-life Of An Immigrant (part 2) by Lexusgs430: 9:47am On Mar 25, 2023
gergemam:
Lexusgs430

Abeg Tier 4 fit buy house..

Deposit dey... If the house nah £150,000.00 - £200,000.00


Loads of mortgage providers on the market..... Not only high street banks......

1 Share

Re: Living In The Uk-life Of An Immigrant (part 2) by wallg123: 9:49am On Mar 25, 2023
slimanyd:
Morning Comrades. I attempt to book articles and airframe told me I would need a transit visa. Abeg. Which airline is best to Birmingham for a nursing mother without much delay and doesn't require a transit visa to get to UK.

And thirdly, i saw some airlines putting dollar amount as there fare , I hope I can make payment with transfer or via my normal naija visa card and which is the easiest way in making the payments Thanks.

If you get money go with BA and get peace of mind. BA would bring you directly to UK without branching. Most of these other guys would probably make a stop over in Europe or Asia.

1 Like

Re: Living In The Uk-life Of An Immigrant (part 2) by Lexusgs430: 9:50am On Mar 25, 2023
MichaelUde:


Again, e fit be say how life turn out.
Remember be say you land this country 25 years ago, some landed 5 weeks ago. cheesy

Point of correction, do you mind ....... 😂😁 28 years ago at a stretch + 3 years = 31 years in total.......🤣😁😜

7 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by EJIOGBENIMI(m): 9:52am On Mar 25, 2023
I need some clarifications pls.
I’m using “pay as you go” card for gas, for the heating system and the kitchen in my apartment. I recharge about £250 monthly.
We are trying to cut costs, so we just bought 2 portable heaters, to heat up the rooms only, to supplement the gas. Our electricity bill is estimated bill, fixed at £105 per month.
We tend to use the portable heaters a lot.
I’m just wondering if we will be charged higher on our electricity. I’m getting conflicting responses from guys here. Some said that I’ll pay the excess at the end of the year while some said that I won’t.
2) I’ve been trying to buy car. I live in a suburb in the far northwest England, so I couldn’t explore much on fb marketplace and private sellers nearby.
Is it safe to buy on auto trader? How reliable are diesel cars? They seem to be cheaper.

2 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 10:04am On Mar 25, 2023
Lexusgs430:


Point of correction, do you mind ....... 😂😁 28 years ago at a stretch + 3 years = 31 years in total.......🤣😁😜

I stand corrected.

So anybody wey land here last year already encumbered with pikins, with or without a career, possibly on a student visa, without permanent residence rights and [averagely, more than] halfway through their lifespan unlike you wey land as a fresh-faced young man with a full head of hair suppose measure themselves with a different yardstick to the one wey you dey use measure o.

2 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by kwakudtraveller(m): 10:07am On Mar 25, 2023
lightnlife:
It'll work for some months, then shut you out and redirect you to re-register, this time with Pounds. grin

Bro na just you o. I pay for my Netflix in Nigeria and I’ve been using it since we moved here.
Re: Living In The Uk-life Of An Immigrant (part 2) by Bourne007(m): 10:09am On Mar 25, 2023
Some lenders offer 5% deposit if you wanna explore that option.


MichaelUde:


As a new immigrant without a 25% deposit or Tier 2 visa and a willing lender, you go spend money on housing and that one too na service and that one too go go as well. It is what it is. Overthinking all that one no worth am.

2 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by lightnlife: 10:12am On Mar 25, 2023
Ehnehn! Netflix don do me strong thing.

The thing rerouted after 8 months of UK use.

It just felt stressful asking someone to open and manage a new account from Naija. Might still go that route sha.

Thanks guys.

hustla:


Been using someone's Netflix for months now with 0 issues unless Im missing something

AgentXxx:
Mine has been working for almost one year and my sister who stays in an Asia country also share this account too. Maybe Netflix get personal beef with you ni
Re: Living In The Uk-life Of An Immigrant (part 2) by Lexusgs430: 10:13am On Mar 25, 2023
MichaelUde:


I stand corrected.

So anybody wey land here last year already encumbered with pikins, with or without a career, possibly on a student visa, without permanent residence rights and [averagely, more than] halfway through their lifespan unlike you wey land as a fresh-faced young man with a full head of hair suppose measure themselves with a different yardstick to the one wey you dey use measure o.


I gree ...... But when I checkout like Andrew....... Una dey naija dey hope say naija go beta, hope beyond hope .........😂

I take my young fresh face, dey scatter forest...... Now I don capture my lion 🦁.......😜😂🤣

Una MUST capture una lion's too ...... With a little bit of work, preparation, sacrifice and calculation........

Not a time for excuses ........😜😂

9 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 10:14am On Mar 25, 2023
Bourne007:
Some lenders offer 5% deposit if you wanna explore that option.



Not when you're on Tier 2.

2 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by topellycategory: 10:16am On Mar 25, 2023
Perfectly well said . 👏




MichaelUde:


Rent money is dead money for those wey get money for deposit and the residence status to buy house.
Given current prices and all the wahala, that excludes many people, even those wey be native Brits.

For many people wey just move here carrying their 3 pikins at the age of 45, buying a house fit no work for them yet because before you stabilise it might take a while and saving a deposit of 25% no be easy thing depending on how much you earn and where you dey plan buy house.

Quite a lot of these landlords bought these houses as ex-council houses in the 80s. Interest rates were indeed very high then, up to 15%, but the houses themselves were very cheap, such that almost everyone could afford to buy a house on one salary, with the man working and the woman raising the children, like it used to be in Naija. Now these days, even with most families having two incomes, house prices are so high that to see deposit na war.

Like everything else in life, everybody path go dey different. The amount of squeezing oneself and tightening belt beyond all the holes wey malam fit put inside the leather is a whole lot unless you dey somewhere were prices are low-ish, but those places are usually not where the jobs are. If you wan buy house for Jigawa, price cheap, but work no dey there. If you wan buy house for Lagos, price no be here, but na there work dey and you fit grow your career.

Buying houses outside areas commutable to such places also ties you down. If you buy house for Jigawa, live there for 1 years, come see better work for Abuja, how you wan go take am? You can only rent out a house on a residential mortgage for a limited period.

Demonising landlords is not helpful. Landlords too na human beings, no be all of them dey exploit. Some are paying interest only mortgages (which is why that money might be low), some too worked their arses off to save deposits and buy houses, so all na their own profit too. I own property in Nigeria. I buy the land for cash after saving from my pay, and took a loan from my bank to add to the money to build the house, which I built over time as salary worker wey I be. With all the yawa wey dey Naija, some of my tenants asked for consideration, come dey pay me rent in instalments sotay I fit see rent in 6 or 7 pieces. I evicted no one, still dey service my loan dey go. Some landlords are lousy, some are not.

And looking at the money spent on housing as a loss no be the best way to look at things. Person get to spend money on services, so you go spend money on transport, that one na money for Lothian Buses or ScotRail pocket, and e don go. You spend money on food, you go shit am out, and e don go too. As a new immigrant without a 25% deposit or Tier 2 visa and a willing lender, you go spend money on housing and that one too na service and that one too go go as well. It is what it is. Overthinking all that one no worth am.

If you get ability to save for a deposit and can afford a house, with all the stress testing of income and everything, go for it. If you cant, your rent money is definitely not dead money, it is paying for your shelter, which is one of the neccessities of life, like food, transport, healthcare, all intangible services wey no dey leave you with a physical asset after delivery.

1 Like

Re: Living In The Uk-life Of An Immigrant (part 2) by hustla(m): 10:18am On Mar 25, 2023
Lexusgs430:



If i tell you..... I would have to shoot you .......😜😁

grin

Ill look for the apk
Re: Living In The Uk-life Of An Immigrant (part 2) by Lexusgs430: 10:19am On Mar 25, 2023
hustla:


grin

Ill look for the apk

The beauty of andriod........🤣
Re: Living In The Uk-life Of An Immigrant (part 2) by hustla(m): 10:20am On Mar 25, 2023
lightnlife:
Ehnehn! Netflix don do me strong thing.

The thing rerouted after 8 months of UK use.

It just felt stressful asking someone to open and manage a new account from Naija. Might still go that route sha.

Thanks guys.




8 months

You sef don enjoy am small na. grin
Re: Living In The Uk-life Of An Immigrant (part 2) by hustla(m): 10:21am On Mar 25, 2023
Lexusgs430:


The beauty of andriod........🤣

grin

I dey find deal to swap P6a o. Google store no gree accept am. Be like them play me wayo angry

1 Like

Re: Living In The Uk-life Of An Immigrant (part 2) by Lexusgs430: 10:23am On Mar 25, 2023
hustla:


grin

I dey find deal to swap P6a o. Google store no gree accept am. Be like them play me wayo angry


Just enter GP7 or GP7PRO........
Re: Living In The Uk-life Of An Immigrant (part 2) by Tier4Dependant: 10:49am On Mar 25, 2023
lightnlife:
It'll work for some months, then shut you out and redirect you to re-register, this time with Pounds. grin


Over a year now using Netflix from naija, no single issue
Re: Living In The Uk-life Of An Immigrant (part 2) by hustla(m): 10:53am On Mar 25, 2023
Lexusgs430:



Just enter GP7 or GP7PRO........


no swap deals from the google store from 6a to 7
Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 11:03am On Mar 25, 2023
Lexusgs430:



I gree ...... But when I checkout like Andrew....... Una dey naija dey hope say naija go beta, hope beyond hope .........😂

I take my young fresh face, dey scatter forest...... Now I don capture my lion 🦁.......😜😂🤣

Una MUST capture una lion's too ...... With a little bit of work, preparation, sacrifice and calculation........

Not a time for excuses ........😜😂

Leg don tire some people to dey run and lions plenty.

Capturing the lion of moving out of Naija to a place where you fit sleep with 2 eyes closed without seeing Buhari or Tinubu in your dreams is a big enough lion for some people in truth.

There may be the lion of rebuilding/starting career (for instance me don change jobs 3 times in 2 years and am interviewing for the 4th change soon, to hopefully get me back to where I bin dey for Naija career-wise), the Home Office visa fees lion whose size dey vary,e fit be lioncub for those wey dey health and care visa and full size lion for those wey no dey Health and care visa (to get UK ILR for a family of 5 is 32k, a house deposit already, citizenship makes it about 40k), lion of building up savings spent to capture the lion of relocating in the first place, before you get to the lion of house ownership.

All na lion.

9 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by Controlv: 11:05am On Mar 25, 2023
lightnlife:
It'll work for some months, then shut you out and redirect you to re-register, this time with Pounds. grin


Mine has been working for the past 14 months without any issues.
Note: The primary account holder is resident in Nigeria and I pay him 12k naira per annum for the shared account.
Re: Living In The Uk-life Of An Immigrant (part 2) by MichaelUde: 11:16am On Mar 25, 2023
EJIOGBENIMI:
I need some clarifications pls.
I’m using “pay as you go” card for gas, for the heating system and the kitchen in my apartment. I recharge about £250 monthly.
We are trying to cut costs, so we just bought 2 portable heaters, to heat up the rooms only, to supplement the gas. Our electricity bill is estimated bill, fixed at £105 per month.
We tend to use the portable heaters a lot.
I’m just wondering if we will be charged higher on our electricity. I’m getting conflicting responses from guys here. Some said that I’ll pay the excess at the end of the year while some said that I won’t.
2) I’ve been trying to buy car. I live in a suburb in the far northwest England, so I couldn’t explore much on fb marketplace and private sellers nearby.
Is it safe to buy on auto trader? How reliable are diesel cars? They seem to be cheaper.

Dem go bill you for anything you use.
At some point your supplier go ask for a meter reading and will send you an updated bill based on the difference between the fixed estimate you have been paying and what you have actually consumed.

Or you fit get a credit if you don consume less than that fixed estimate.

Prepayment users pay a surcharge a bit higher than those on postpaid plans, and those who pay by direct debit.
Electricity is more expensive than gas, so you might be better off turning down the rads in the other rooms and still using your gas heating as opposed to the portable heaters, if you use them for a long time.

3 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by jblesn(f): 11:34am On Mar 25, 2023
mex551:
Random thought, is it possible to get someone in Nigeria to open a Netflix account for me and send the password to me here as it seems paying from Naija is cheaper. Will the IP address betray me ?

I am still paying for my Netflix subscription with my Naira card
Re: Living In The Uk-life Of An Immigrant (part 2) by gergemam: 11:48am On Mar 25, 2023
Lexusgs430:



LL mortgage, is probably £120 or property is mortgage free ......

No fight your LL o .......😁😜

I Don hear, I know go fight am 😂😂😂
Re: Living In The Uk-life Of An Immigrant (part 2) by Lexusgs430: 12:32pm On Mar 25, 2023
hustla:



no swap deals from the google store from 6a to 7


Sell your 6a and hunt a decent 7 series on eBay.......
Re: Living In The Uk-life Of An Immigrant (part 2) by Lexusgs430: 12:34pm On Mar 25, 2023
MichaelUde:


Leg don tire some people to dey run and lions plenty.

Capturing the lion of moving out of Naija to a place where you fit sleep with 2 eyes closed without seeing Buhari or Tinubu in your dreams is a big enough lion for some people in truth.

There may be the lion of rebuilding/starting career (for instance me don change jobs 3 times in 2 years and am interviewing for the 4th change soon, to hopefully get me back to where I bin dey for Naija career-wise), the Home Office visa fees lion whose size dey vary,e fit be lioncub for those wey dey health and care visa and full size lion for those wey no dey Health and care visa (to get UK ILR for a family of 5 is 32k, a house deposit already, citizenship makes it about 40k), lion of building up savings spent to capture the lion of relocating in the first place, before you get to the lion of house ownership.

All na lion.

Lion of the tribe of Judah........🤣😂
Re: Living In The Uk-life Of An Immigrant (part 2) by starboychan: 12:49pm On Mar 25, 2023
Hello there ,

It’s so sad what you have been through but I think judging by everything, you’re the architect of your own problems and need to take responsibility for everything.

The school already have payment plans in place which you accepted and I think you were not proactive enough. I don’t why you will fail Msc because of module because from my understanding academic boards in most schools do compensate a failed module provided it’s one module and you did well in other modules. Have you receive your progression letter yet ?

Nevertheless, your best bet is to look for care visa or dorm care just to adjust your status. Try draft your cv and your husband well then apply online to all available care jobs while doing that , yourself and your husband should work like crazy to save up money to purchase care cos if that’s the resort.

Finally go through your school regulations very well, read about progression, module resit and award of degree, check the conditions then contact your Student union and other resources available within your university.



Maureen4sure:
My dear fellow Nairalander,
out of academic opportunities for one of your modules, and this therefore means you may not graduate with your full award and instead, upon successful completion of your remaining modules, you would be awarded a lower-level qualification than that which you were originally expected to achieve, You should note that in this event, this would mean that you are likely to be ineligible to apply for the Graduate Route Visa if you wished to do so. ''

I also received an email this morning from my module leader saying that I will be awarded a postgraduate diploma instead of a master's degree.

I have cried and cried my eyes out, I know I have disappointed my husband, who works tirelessly every day and night. He works in a warehouse and also as a security guard. For me to be able to get to this stage of my life,he has been there for me every day.

He has been down with this news for the last few days.

I will be submitting my dissertation by April, so I will be officially finished with school.

Please, where do I go from here?

I am a caregiver, and I have been for a year now. Getting COS from most care homes as a student has not been easy.

Hopefully, after submitting my dissertation, I can get a care home that can sponsor me.

It seems that's the only way out for me and my family now.

Please, house, I will need any other suggestions.

Thank you for your contributions.

Re: Living In The Uk-life Of An Immigrant (part 2) by Solumtoya: 12:51pm On Mar 25, 2023
Lexusgs430:


Not as tough as you might think ........ If you regularly send money to Nigeria, calculate that figure......

Draw out a savings plan and stick to it......

Join osusu.........

Get another paying gig ....... Work extra as much as you can (for a set duration)..... Might mean less quality time together, but the end justifies the means .......

NO PAIN ..... NO GAIN ....

Depends on location. For those working in London, and want to live in a place within 1 hour drive from London in Bedford, Milton Keynes, Reading or any neighbouring City, one may be looking at houses of about £300k so raising about £35k might not be as easy as those in Cities with houses of less than £200k and need just £20k or even less.

1 Like

(1) (2) (3) ... (897) (898) (899) (900) (901) (902) (903) ... (1007)

Uk Student Visa/tier 4 Pbs - Your Questions Answered Part 7 / General Australian Student Visa Enquiries Part 3 / Canadian Student Visa Thread Part 22

Viewing this topic: 1 guest(s)

(Go Up)

Sections: politics (1) business autos (1) jobs (1) career education (1) romance computers phones travel sports fashion health
religion celebs tv-movies music-radio literature webmasters programming techmarket

Links: (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Nairaland - Copyright © 2005 - 2024 Oluwaseun Osewa. All rights reserved. See How To Advertise. 67
Disclaimer: Every Nairaland member is solely responsible for anything that he/she posts or uploads on Nairaland.