₦airaland Forum

tensazangetsu20:
Skill issue bros. This one is only peculiar to you o😂😂

fullclub:
The debate around relocating abroad (“Japa”) has intensified after media personality Dele Momodu claimed that anyone who spends ₦30 million to leave Nigeria is a fool. His statement sparked mixed reactions online, with some agreeing while others says that that 30 million is nothing compared to the financial reward that comes with japa

Having lived in the UK for some time now, I’ll share an honest perspective on the financial reality of life here, especially for those considering selling anything just for relocation.

Breaking Down Earnings in the UK

For context, I work an average of 36 hours per week (9 hours daily for 4 days), meaning in a month, I clock 144 hours of work.

Minimum wage in the UK is £11.44 per hour, and most employers are required to pay this, except in cases like apprenticeships.
144 hours × £11.44 = £1,647.36 per month
After tax deductions, which depend on factors like number of jobs and tax codes, my take-home pay is around £1,479.55.


Monthly Expenses in the UK
Here’s a breakdown of my fixed monthly costs:

House rent – £700
Gas & electricity – £120
Council tax – £110
Water bill – £43.46
Food – £200
Transport – £140
Phone bill – £52 (for two people

Total expenses: £1,365.46
Remaining balance: £114.09
Although i could have chosen to work up to 5 days which would have given me total income of 2059 and 1775 after tax but to give my partner a chance while i take turn to look after the kids

Note: food is extremely cheap and affordable unlike in Nigeria. That's why most that relocated after few months they look revived and fresh

Now, factor in additional responsibilities. We send £150 monthly to family back home in Nigeria. My wife, who works part-time (two days per week because of our baby as leaving the children will risk losing them to the governmen), earns about £732 per month, which we try to save, though unforeseen expenses (baby food, transport, etc.) often reduce our savings to around £500 per month.
Aside this we spent over 4000 pounds this year alone for health insurance. Yes its a must you pay it and funny enough i have not visited the hospital once since i arrived.

More worrisome is the endless billing from home , the billing from friends and extended family is out of this world, from your pastor who want tithe in pounds and thinks it's because of his or her prayer u went out, to your siblings, to your inlaws, to secondary schools friends, university's friends to even your street guys to Facebook friends. Those who will quickly open Opay account for their 3 years old child and forward you school fees or birthday bill. What about those who forwarded us their house rent bill to help clear their rent of over 500k abeg na

A lot of Nigeria said if they are offered 50 million and japa, they will prefer japa as they will earn more over when i read this comment on Facebook i just laugh hard as this is not the case as a research said that over 39% of UK residents have a minimum of 1000 pounds as savings this means that Despite earning in pounds, many struggle with high living costs, taxes, and bills but on the other hand In Nigeria, ₦50M can fund investments that generate steady income.
In the UK, unless you’re in a high-paying field, you will mostly live paycheck to paycheck


Comparing Life as a Single vs. Married Individual Abroad


Single individuals have a higher chance of saving since they have fewer responsibilities.

Married couples without kids can maximize their earnings by both working full-time while covering expenses from one salary and saving entirely the other salary.

Families with children face higher expenses, including childcare, health insurance, visa fees.

This is why adequate preparation is crucial before relocating, especially for families


Is Dele Momodu Right? Should You Japa with ₦30M?
We should understand that Dele Momodu is an elder and vastly traveled and he knows what is obtainable in Europe and America.
His point is valid if you look at finances alone because at the ene of the day almost all you make goes back to the system. But If insecurity concerns and food inflation in Nigeria didn’t exist, staying back with ₦30M would be a better financial decision as you could expand your business.

Another thought is the issue of owning a house. An average 3 bedroom house cost over 300k pounds and i have worked with colleagues who are in their late 50s struggling to work and pay off their mortgage so as to be free while me in my 30s own over 3 house back in Nigeria . Some pays mortgage for over 35 to 40 years but shockingly most they end up selling it at old age hand over this money to care homes to take care of them till death. Note children dont have any responsibility of taking care of their age parents they leave their lives while the parents uses proceed from their house to offset this bill

Final Thoughts: Should You Japa?

Japa is not a one-size-fits-all decision. If you have ₦30M and solid income streams in Nigeria, it might be wiser to invest and build wealth at home. But if safety and quality of life matter more, than wealth accumulation then relocating might still be the best option but must be done tactically especially when coming on student visa as one academic error could throw u off.

Bottom line: Japa is not a magic solution—it requires careful planning, a realistic mindset, and financial discipline.

Picture below is my phone bill

There other bills i chose to ignore like the tv bill. I didn't buy tv because i know that one will end in another billing

fullclub:
What does it mean bro

Atk1nson:
When you created the thread below, I recall predicting your learning experience may be less steep than it could possibly be, your new thread confirms the accuracy of my prediction. You need to build your network and be open to learning.

https://www.nairaland.com/7889678/experience-uk-since-japa-warning

On a side note, except you are paying for a phone contract, £54 a month is ridiculous even for 2 people.

Lebera would give you a payg contract of £6 a month with data bundle of about 10gig. Virgin will give you highspeed broadband for the house for £23 a month with £50 credit opt-in credit.

AfahaAbia:
Im shocked you earn just 1700 to 1800 pounds when I know people in Nigeria who work for remote companies earning from 2400 to 2600 pounds a month. Hmm you people in UK are really trying.

fullclub:
Who uses 10gig of data? I was with levebra i had to switch.. I should be managing 10gig of data is that the better life i left Nigeria to enjoy in abroad? In Nigeria i mske use of nothing less than 40 gig per month

fullclub:
The debate around relocating abroad (“Japa”) has intensified after media personality Dele Momodu claimed that anyone who spends ₦30 million to leave Nigeria is a fool. His statement sparked mixed reactions online, with some agreeing while others says that that 30 million is nothing compared to the financial reward that comes with japa

Having lived in the UK for some time now, I’ll share an honest perspective on the financial reality of life here, especially for those considering selling anything just for relocation.

Breaking Down Earnings in the UK

For context, I work an average of 36 hours per week (9 hours daily for 4 days), meaning in a month, I clock 144 hours of work.

Minimum wage in the UK is £11.44 per hour, and most employers are required to pay this, except in cases like apprenticeships.
144 hours × £11.44 = £1,647.36 per month
After tax deductions, which depend on factors like number of jobs and tax codes, my take-home pay is around £1,479.55.


Monthly Expenses in the UK
Here’s a breakdown of my fixed monthly costs:

House rent – £700
Gas & electricity – £120
Council tax – £110
Water bill – £43.46
Food – £200
Transport – £140
Phone bill – £52 (for two people

Total expenses: £1,365.46
Remaining balance: £114.09
Although i could have chosen to work up to 5 days which would have given me total income of 2059 and 1775 after tax but to give my partner a chance while i take turn to look after the kids

Note: food is extremely cheap and affordable unlike in Nigeria. That's why most that relocated after few months they look revived and fresh

Now, factor in additional responsibilities. We send £150 monthly to family back home in Nigeria. My wife, who works part-time (two days per week because of our baby as leaving the children will risk losing them to the governmen), earns about £732 per month, which we try to save, though unforeseen expenses (baby food, transport, etc.) often reduce our savings to around £500 per month.
Aside this we spent over 4000 pounds this year alone for health insurance. Yes its a must you pay it and funny enough i have not visited the hospital once since i arrived.

More worrisome is the endless billing from home , the billing from friends and extended family is out of this world, from your pastor who want tithe in pounds and thinks it's because of his or her prayer u went out, to your siblings, to your inlaws, to secondary schools friends, university's friends to even your street guys to Facebook friends. Those who will quickly open Opay account for their 3 years old child and forward you school fees or birthday bill. What about those who forwarded us their house rent bill to help clear their rent of over 500k abeg na

A lot of Nigeria said if they are offered 50 million and japa, they will prefer japa as they will earn more over when i read this comment on Facebook i just laugh hard as this is not the case as a research said that over 39% of UK residents have a minimum of 1000 pounds as savings this means that Despite earning in pounds, many struggle with high living costs, taxes, and bills but on the other hand In Nigeria, ₦50M can fund investments that generate steady income.
In the UK, unless you’re in a high-paying field, you will mostly live paycheck to paycheck


Comparing Life as a Single vs. Married Individual Abroad


Single individuals have a higher chance of saving since they have fewer responsibilities.

Married couples without kids can maximize their earnings by both working full-time while covering expenses from one salary and saving entirely the other salary.

Families with children face higher expenses, including childcare, health insurance, visa fees.

This is why adequate preparation is crucial before relocating, especially for families


Is Dele Momodu Right? Should You Japa with ₦30M?
We should understand that Dele Momodu is an elder and vastly traveled and he knows what is obtainable in Europe and America.
His point is valid if you look at finances alone because at the ene of the day almost all you make goes back to the system. But If insecurity concerns and food inflation in Nigeria didn’t exist, staying back with ₦30M would be a better financial decision as you could expand your business.

Another thought is the issue of owning a house. An average 3 bedroom house cost over 300k pounds and i have worked with colleagues who are in their late 50s struggling to work and pay off their mortgage so as to be free while me in my 30s own over 3 house back in Nigeria . Some pays mortgage for over 35 to 40 years but shockingly most they end up selling it at old age hand over this money to care homes to take care of them till death. Note children dont have any responsibility of taking care of their age parents they leave their lives while the parents uses proceed from their house to offset this bill

Final Thoughts: Should You Japa?

Japa is not a one-size-fits-all decision. If you have ₦30M and solid income streams in Nigeria, it might be wiser to invest and build wealth at home. But if safety and quality of life matter more, than wealth accumulation then relocating might still be the best option but must be done tactically especially when coming on student visa as one academic error could throw u off.

Bottom line: Japa is not a magic solution—it requires careful planning, a realistic mindset, and financial discipline.

Picture below is my phone bill

There other bills i chose to ignore like the tv bill. I didn't buy tv because i know that one will end in another billing

OkanlawonB:
Austria and Germany.

Atk1nson:
If you need data, get a broadband.

The month of a virgin broadband plus 2 lebara sim is less than £40 a month.

Also, you dont need to pay for a TV license except you are buying a TV to watch live TV shows. You can but a smart TV and stick to streaming platforms.

fullclub:
Manager of leberal has spoken. Come n give me me 2 leberal sim for 45 pounds per month i will buy.
I should get a broadband and if am off to work i will browse with what or of am on transit and want to locate somewhere with map or i want to browse?

This ur economic sense no follow

martineverest:
A lot of apartments are shared in uk so as to cut costs......

fullclub:
The debate around relocating abroad (“Japa”) has intensified after media personality Dele Momodu claimed that anyone who spends ₦30 million to leave Nigeria is a fool. His statement sparked mixed reactions online, with some agreeing while others says that that 30 million is nothing compared to the financial reward that comes with japa

Having lived in the UK for some time now, I’ll share an honest perspective on the financial reality of life here, especially for those considering selling anything just for relocation.

Breaking Down Earnings in the UK

For context, I work an average of 36 hours per week (9 hours daily for 4 days), meaning in a month, I clock 144 hours of work.

Minimum wage in the UK is £11.44 per hour, and most employers are required to pay this, except in cases like apprenticeships.
144 hours × £11.44 = £1,647.36 per month
After tax deductions, which depend on factors like number of jobs and tax codes, my take-home pay is around £1,479.55.


Monthly Expenses in the UK
Here’s a breakdown of my fixed monthly costs:

House rent – £700
Gas & electricity – £120
Council tax – £110
Water bill – £43.46
Food – £200
Transport – £140
Phone bill – £52 (for two people

Total expenses: £1,365.46
Remaining balance: £114.09
Although i could have chosen to work up to 5 days which would have given me total income of 2059 and 1775 after tax but to give my partner a chance while i take turn to look after the kids

Note: food is extremely cheap and affordable unlike in Nigeria. That's why most that relocated after few months they look revived and fresh

Now, factor in additional responsibilities. We send £150 monthly to family back home in Nigeria. My wife, who works part-time (two days per week because of our baby as leaving the children will risk losing them to the governmen), earns about £732 per month, which we try to save, though unforeseen expenses (baby food, transport, etc.) often reduce our savings to around £500 per month.
Aside this we spent over 4000 pounds this year alone for health insurance. Yes its a must you pay it and funny enough i have not visited the hospital once since i arrived.

More worrisome is the endless billing from home , the billing from friends and extended family is out of this world, from your pastor who want tithe in pounds and thinks it's because of his or her prayer u went out, to your siblings, to your inlaws, to secondary schools friends, university's friends to even your street guys to Facebook friends. Those who will quickly open Opay account for their 3 years old child and forward you school fees or birthday bill. What about those who forwarded us their house rent bill to help clear their rent of over 500k abeg na

A lot of Nigeria said if they are offered 50 million and japa, they will prefer japa as they will earn more over when i read this comment on Facebook i just laugh hard as this is not the case as a research said that over 39% of UK residents have a minimum of 1000 pounds as savings this means that Despite earning in pounds, many struggle with high living costs, taxes, and bills but on the other hand In Nigeria, ₦50M can fund investments that generate steady income.
In the UK, unless you’re in a high-paying field, you will mostly live paycheck to paycheck


Comparing Life as a Single vs. Married Individual Abroad


Single individuals have a higher chance of saving since they have fewer responsibilities.

Married couples without kids can maximize their earnings by both working full-time while covering expenses from one salary and saving entirely the other salary.

Families with children face higher expenses, including childcare, health insurance, visa fees.

This is why adequate preparation is crucial before relocating, especially for families


Is Dele Momodu Right? Should You Japa with ₦30M?
We should understand that Dele Momodu is an elder and vastly traveled and he knows what is obtainable in Europe and America.
His point is valid if you look at finances alone because at the ene of the day almost all you make goes back to the system. But If insecurity concerns and food inflation in Nigeria didn’t exist, staying back with ₦30M would be a better financial decision as you could expand your business.

Another thought is the issue of owning a house. An average 3 bedroom house cost over 300k pounds and i have worked with colleagues who are in their late 50s struggling to work and pay off their mortgage so as to be free while me in my 30s own over 3 house back in Nigeria . Some pays mortgage for over 35 to 40 years but shockingly most they end up selling it at old age hand over this money to care homes to take care of them till death. Note children dont have any responsibility of taking care of their age parents they leave their lives while the parents uses proceed from their house to offset this bill

Final Thoughts: Should You Japa?

Japa is not a one-size-fits-all decision. If you have ₦30M and solid income streams in Nigeria, it might be wiser to invest and build wealth at home. But if safety and quality of life matter more, than wealth accumulation then relocating might still be the best option but must be done tactically especially when coming on student visa as one academic error could throw u off.

Bottom line: Japa is not a magic solution—it requires careful planning, a realistic mindset, and financial discipline.

Picture below is my phone bill

There other bills i chose to ignore like the tv bill. I didn't buy tv because i know that one will end in another billing

tensazangetsu20:
Honestly if a Nigerian can’t make it in the uk where English is spoken and black man has levels then they are better off returning to Nigeria and staying forever.

tensazangetsu20:
Skill issue bros. This one is only peculiar to you o😂😂

fullclub:
Yeah but family man can't share apartments. With 2 kids and wife haba

fullclub:
The debate around relocating abroad (“Japa”) has intensified after media personality Dele Momodu claimed that anyone who spends ₦30 million to leave Nigeria is a fool. His statement sparked mixed reactions online, with some agreeing while others says that that 30 million is nothing compared to the financial reward that comes with japa

Having lived in the UK for some time now, I’ll share an honest perspective on the financial reality of life here, especially for those considering selling anything just for relocation.

Breaking Down Earnings in the UK

For context, I work an average of 36 hours per week (9 hours daily for 4 days), meaning in a month, I clock 144 hours of work.

Minimum wage in the UK is £11.44 per hour, and most employers are required to pay this, except in cases like apprenticeships.
144 hours × £11.44 = £1,647.36 per month
After tax deductions, which depend on factors like number of jobs and tax codes, my take-home pay is around £1,479.55.


Monthly Expenses in the UK
Here’s a breakdown of my fixed monthly costs:

House rent – £700
Gas & electricity – £120
Council tax – £110
Water bill – £43.46
Food – £200
Transport – £140
Phone bill – £52 (for two people

Total expenses: £1,365.46
Remaining balance: £114.09
Although i could have chosen to work up to 5 days which would have given me total income of 2059 and 1775 after tax but to give my partner a chance while i take turn to look after the kids

Note: food is extremely cheap and affordable unlike in Nigeria. That's why most that relocated after few months they look revived and fresh

Now, factor in additional responsibilities. We send £150 monthly to family back home in Nigeria. My wife, who works part-time (two days per week because of our baby as leaving the children will risk losing them to the governmen), earns about £732 per month, which we try to save, though unforeseen expenses (baby food, transport, etc.) often reduce our savings to around £500 per month.
Aside this we spent over 4000 pounds this year alone for health insurance. Yes its a must you pay it and funny enough i have not visited the hospital once since i arrived.

More worrisome is the endless billing from home , the billing from friends and extended family is out of this world, from your pastor who want tithe in pounds and thinks it's because of his or her prayer u went out, to your siblings, to your inlaws, to secondary schools friends, university's friends to even your street guys to Facebook friends. Those who will quickly open Opay account for their 3 years old child and forward you school fees or birthday bill. What about those who forwarded us their house rent bill to help clear their rent of over 500k abeg na

A lot of Nigeria said if they are offered 50 million and japa, they will prefer japa as they will earn more over when i read this comment on Facebook i just laugh hard as this is not the case as a research said that over 39% of UK residents have a minimum of 1000 pounds as savings this means that Despite earning in pounds, many struggle with high living costs, taxes, and bills but on the other hand In Nigeria, ₦50M can fund investments that generate steady income.
In the UK, unless you’re in a high-paying field, you will mostly live paycheck to paycheck


Comparing Life as a Single vs. Married Individual Abroad


Single individuals have a higher chance of saving since they have fewer responsibilities.

Married couples without kids can maximize their earnings by both working full-time while covering expenses from one salary and saving entirely the other salary.

Families with children face higher expenses, including childcare, health insurance, visa fees.

This is why adequate preparation is crucial before relocating, especially for families


Is Dele Momodu Right? Should You Japa with ₦30M?
We should understand that Dele Momodu is an elder and vastly traveled and he knows what is obtainable in Europe and America.
His point is valid if you look at finances alone because at the ene of the day almost all you make goes back to the system. But If insecurity concerns and food inflation in Nigeria didn’t exist, staying back with ₦30M would be a better financial decision as you could expand your business.

Another thought is the issue of owning a house. An average 3 bedroom house cost over 300k pounds and i have worked with colleagues who are in their late 50s struggling to work and pay off their mortgage so as to be free while me in my 30s own over 3 house back in Nigeria . Some pays mortgage for over 35 to 40 years but shockingly most they end up selling it at old age hand over this money to care homes to take care of them till death. Note children dont have any responsibility of taking care of their age parents they leave their lives while the parents uses proceed from their house to offset this bill

Final Thoughts: Should You Japa?

Japa is not a one-size-fits-all decision. If you have ₦30M and solid income streams in Nigeria, it might be wiser to invest and build wealth at home. But if safety and quality of life matter more, than wealth accumulation then relocating might still be the best option but must be done tactically especially when coming on student visa as one academic error could throw u off.

Bottom line: Japa is not a magic solution—it requires careful planning, a realistic mindset, and financial discipline.

Picture below is my phone bill

There other bills i chose to ignore like the tv bill. I didn't buy tv because i know that one will end in another billing

Quelme:
you just wan trend.

Depending on your visa oga and the kinda of job you do.

You guys are always fixated on the expenses. If abroad tire you, go back to Nigeria...

fullclub:
Manager of leberal has spoken. Come n give me me 2 leberal sim for 45 pounds per month i will buy.
I should get a broadband and if am off to work i will browse with what or of am on transit and want to locate somewhere with map or i want to browse?

This ur economic sense no follow