₦airaland Forum

fullclub:
Well i paid over 15000 pounds in school fees and 90% of that money was converted in naira. With the exhange rate its 30 million naira.
I paid house rent for over 4 months and a deposit of one month with naira thats over 7 million.

Flight tickets with my family cost us over 5 million.


If you can give me that i will return to Nigeria

With ur current monthly 500 savings, it means it will take you about 4 years to recover the 42 million naira. Well, like u already said, it's a long term investment and not a quick rich scheme.

I will only advice you seek for more opportunities to improve your earning and savings

Interesting

Peaceful123:
You spent 42million on japa. If I may ask, why not consider a business in Nigeria with that huge some of money?

Did you have the 42million in cash or you paid some of the money as you are working in the UK?

Will you only consider relocating back home if you at least save the 42million you spent ?

That 42M probably came from his Nigeria savings or properties at home. You can't be able to pay ur school fees in uk with part time job while schooling.

Talking about whether he will consider moving back home if he recovers the 42M, he already said that himself and his wife joint monthly savings is 500, which is an equivalent of one million naira. What this means is that he needs approximately 4 years to recover that 42M.

Now, would you advice him to return home after the 4yrs? I don't think it's a wise advice. He is currently earning minimum wage, and his wife is not yet working full-time because of their kids, meaning there is a room for an improved earning and savings. The UK holds a better future for them, especially their kids, if they can work hard to improve their status

Henix:
That 42M probably came from his Nigeria savings or properties at home. You can't be able to pay ur school fees in uk with part time job while schooling.

Talking about whether he will consider moving back home if he recovers the 42M, he already said that himself and his wife joint monthly savings is 500, which is an equivalent of one million naira. What this means is that he needs approximately 4 years to recover that 42M.

Now, would you advice him to return home after the 4yrs? I don't think it's a wise advice. He is currently earning minimum wage, and his wife is not yet working full-time because of their kids, meaning there is a room for an improved earning and savings. The UK holds a better future for them, especially their kid, if they can work hard to improve their status

what if the wife learn to braid hair, can't she ask clients to come to her house for the service?

Henix:
That 42M probably came from his Nigeria savings or properties at home. You can't be able to pay ur school fees in uk with part time job while schooling.

Talking about whether he will consider moving back home if he recovers the 42M, he already said that himself and his wife joint monthly savings is 500, which is an equivalent of one million naira. What this means is that he needs approximately 4 years to recover that 42M.

Now, would you advice him to return home after the 4yrs? I don't think it's a wise advice. He is currently earning minimum wage, and his wife is not yet working full-time because of their kids, meaning there is a room for an improved earning and savings. The UK holds a better future for them, especially their kids, if they can work hard to improve their status

Very logical analysis. I don't understand why everyone will be attacking the OP if things are not going well for him right now. He's on the right track and with time he'll gain stability and consolidate. People don't want to hear about your struggles but are more interested in social media buzz. They say tough times create strong men, strong men create good times.

RodgersAkpafu:
I didn't mention "rector"
where are you getting that from?
You must be misquoting me

You're right, you didn't mention rector.

Gerrard59 kept asking the question:
"Why would a former rector of a polytechnic japa in the first place only to end up in a factory?
Sometimes, I take these posts to be comical."

While your post was focused on the 2nd part (bankers), it seemed as if the same fate befell the Rectors. Worse, nobody debunked the rumors. I'm specifically looking for the people pushing the narrative to satiate their appetite for falsehood.

studyless123:
You're right, you didn't mention rector.

Gerrard59 kept asking the question:
"Why would a former rector of a polytechnic japa in the first place only to end up in a factory?
Sometimes, I take these posts to be comical."

While your post was focused on the 2nd part (bankers), it seemed as if the same fate befell the Rectors. Worse, nobody debunked the rumors. I'm specifically looking for the people pushing the narrative to satiate their appetite for falsehood.

What I typed is the reality I have seen in my immediate circle, and second hand accounts

There are relationship managers, BMs, HoPs etc who are now working care and customer care jobs here in Britain

It's a downgrade in social status, but the trade off is worth it (at least that's what they believe)

What i make in a month in this country (btw I dont do care)

Most people in the bank three to four steps my senior don't make it
And that's the fact

If Naira appreciates to maybe 400 per pound, maybe, just maybe applying to get a professional job in naija will make sense
But right now
Fvck that

studyless123:
Very logical analysis. I don't understand why everyone will be attacking the OP if things are not going well for him right now. He's on the right track and with time he'll gain stability and consolidate. People don't want to hear about your struggles but are more interested in social media buzz. They say tough times create strong men, strong men create good times.

True talk

That’s a dire situation.

I am just thinking aloud though. With 42 million in cash without loan or sponsorship, you should be able to set up a profitable business here in Naija

Henix:
That 42M probably came from his Nigeria savings or properties at home. You can't be able to pay ur school fees in uk with part time job while schooling.

Talking about whether he will consider moving back home if he recovers the 42M, he already said that himself and his wife joint monthly savings is 500, which is an equivalent of one million naira. What this means is that he needs approximately 4 years to recover that 42M.

Now, would you advice him to return home after the 4yrs? I don't think it's a wise advice. He is currently earning minimum wage, and his wife is not yet working full-time because of their kids, meaning there is a room for an improved earning and savings. The UK holds a better future for them, especially their kids, if they can work hard to improve their status

fullclub:
Well i paid over 15000 pounds in school fees and 90% of that money was converted in naira. With the exhange rate its 30 million naira.
I paid house rent for over 4 months and a deposit of one month with naira thats over 7 million.

Flight tickets with my family cost us over 5 million.


If you can give me that i will return to Nigeria

Why should anyone give you that? You said you had a better quality of life in Nigeria than you do at the moment. If true, I don't think it is worth it sacrificing that for the struggles of living in the West.

GboyegaD:
Why should anyone give you that? You said you had a better quality of life in Nigeria than you do at the moment. If true, I don't think it is worth it sacrificing that for the struggles of living in the West.

You said i should leave all i invested so far n return. In fact just 30 million. Leave the rest.

So i kindly ask you to give me please then i will return

fullclub:
You said i should leave all i invested so far n return. In fact just 30 million. Leave the rest.

So i kindly ask you to give me please then i will return

You are the one who writes as though the investment isn't worth it and you are better off in Nigeria. If that is true, go back to Nigeria and stopnthe dilly dailing.

Henix:
With ur current monthly 500 savings, it means it will take you about 4 years to recover the 42 million naira. Well, like u already said, it's a long term investment and not a quick rich scheme.

I will only advice you seek for more opportunities to improve your earning and savings

Ask yourself this, How many people who are of working conditions ie salary do you think can save physical N40M in 5 years

Peaceful123:
That’s a dire situation.

I am just thinking aloud though. With 42 million in cash without loan or sponsorship, you should be able to set up a profitable business here in Naija

This is the Isue I have with most people in NIgeria, you have Money you jump into business, Look not everyone is cut out to do Biz,Some of us are just meant to work.Its a shame the entity called Nigeria do not support working families.

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

bro i was like you. till I mastered the system. granted you need a bigger income and your rent is a bit high. Why not do rent for rent. Give a room out and collect some money. Start a side hustle or business in your wife's name. She can start with digital boss academy. Utilize tik tok there is a lot of wealth. Think of investing in stock and shares using your isa to protect your money from inflation. You are not charged tax. Please face your parents alone unless black tax will run you down. Try ajo as well and run real estate parole with others. Stop working too much hours rather register a business in your wife's name and look for contract especially cleaning. Any extra shift run through your business. Uk is a land of opportunity if you use it well.

Guys please mater the western system and you would be rich
One they have ISA for investing the stock market. I pick stocks and create pies. My stock beats s and p hands down
Two they have real estate where you can do btl, rent to rent, brrr
Three business you have african shop you can start, hair business, restaurant,
Four services cleaning business, care business, carpenter, so on
Online content creation youtube, skool.com, tik tok
Stop packing shift you would die quickly. Pay yourself and decide the tax you want to pay.

erico2k2:
This is the Isue I have with most people in NIgeria, you have Money you jump into business, Look not everyone is cut out to do Biz,Some of us are just meant to work.Its a shame the entity called Nigeria do not support working families.

You have spoken well

Makamatic:
Modified
You gon learn . UK is actually the easiest and cheapest oo . Germany pof is almost 12k€ locked for one year . You no fit run dagbo oo because they must confirm that pof digitally . No allow any agent scam you with fake German pof letter oo

how do they confirm the funds?

erico2k2:
This is the Isue I have with most people in NIgeria, you have Money you jump into business, Look not everyone is cut out to do Biz,Some of us are just meant to work.Its a shame the entity called Nigeria do not support working families.

You are right. But to put Nigeria economy on a positive trend, we need more of entrepreneurs (business).

Peaceful123:
You are right. But to put Nigeria economy on a positive trend, we need more of entrepreneurs (business).

We need more innovative people. We need a fix in the society and turn it into Biz.

jesmond3945:
Guys please mater the western system and you would be rich
One they have ISA for investing the stock market. I pick stocks and create pies. My stock beats s and p hands down
Two they have real estate where you can do btl, rent to rent, brrr
Three business you have african shop you can start, hair business, restaurant,
Four services cleaning business, care business, carpenter, so on
Online content creation youtube, skool.com, tik tok
Stop packing shift you would die quickly. Pay yourself and decide the tax you want to pay.

Talk is cheap, I wish its all easy like you narrated.

fullclub:
Not at all. It's recommended at least for long term plans but not for quick rich scheme

. Even for get rich quick , it still works. 500 pounds savings for someone that was struggling to save 50k a month is quick money

.

yad2eidi:
. Even for get rich quick , it still works. 500 pounds savings for someone that was struggling to save 50k a month is quick money

U don't seems to understand travel or immigration system. Most have just two year visa which can't be renewed unless you get a sponsorship job before the expiry date


And you have spent over or nearly 50m. The question now is that can this 50m be recovered within this 2 years of post study?


That's the question

500 times 12month =6000 times 2 = 12000 now subtract your health insurance of 4000 for 2 adult you fall back to 8000 pounds which is 16 million naira.
The only way around it is to look for sponsorship job which will sponsor you for 5 years then it makes sense to recover your funds. Is sponsorship job easy to come by? Ask anyone in the uk

All i am saying is that we spent money to come here, we didn't just dissappear to be here and that cost has to be factored into the profit to arrived at true profit or loss value.


To count profit under the two years visa every graduate is given then u should save at least 1500 per month. All things being equal u have 36000 pounds in two years . That gives you 72m then minus ur 50m spent
Or u get lucky enough to get 5 years sponsor job then you..continue saving 500 or 300 pounds a month for 5 years or more

Outside this two scenario then u are at a lost

You can read this story below
https://www.nairaland.com/8376188/lady-cries-out-husband-runs

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


You see this line here.

This is the third or fourth time I'm hearing this from someone abroad.

And this is one of the reasons most people would want to Japa. Especially those struggling to feed themselves in Nigeria.

Na hunger be the main thing wey dey pursue people from Nigeria

fullclub:
You said i should leave all i invested so far n return. In fact just 30 million. Leave the rest.

So i kindly ask you to give me please then i will return

Come back my brother, let's face this Tinubu tenure together. People are roasting here.

Come let all of us roast together and burn to ashes. It's a win win situation my brother.

In Ola of Lagos voice: I will never be poor.

Mcslize:
Come back my brother, let's face this Tinubu tenure together. People are roasting here.

Come let all of us roast together and burn to ashes. It's a win win situation my brother.

but my brothers and sisters and parents aren't roasting.

I could remember vividly they sent me over 1.5m June last year ago to roundup something in Nigeria when i wanted to buy a land

Remember i was in Nigeria in 2023 when Tinubu took over.

You can consider changing your business, look into something that could help solve people's problems.
You could as well look into tech. Facebook has started monetization u could start making interesting videos that covers interesting topics.

I am into tech likewise. See this earnings i made currently. I opened this account that same year i left Nigeria.

Its an adsense account connected to my YouTube channel. I do cash out almost 500k every two months and this money is sent to my Nigerian account. I dont touch it. I leave it there then use it to buy lands in cheap places.

Do something dont limit your mind if its pure water, if its to learn carpentry, conduit wiring, painting, POP. Learn it we have over 300 million people in Nigeria that's a market almost equal to half of western Europe


Pix removed

Mcslize:
In Ola of Lagos voice: I will never be poor.

That's a mindset of criminals and thieves. Find something meaningful and engage in. The whites i have seen here are leaving a frugal lifestyle. No expensive car. Most don't have cars, no gold, no expensive clothes just clothes of 10 pounds some buy second hands clothes , no university degree, no houses the few that owns houses just have 2 or 1 bedroom flat and they pay it working for over 35 years in service. No much children just one kid and a pet dog. They have a frugal mindset

studyless123:
You're very funny . What if no one rents the house? If you can't afford the mortgage without the rental income, you will be in a precarious situation. Half baked information from you brother.

Go and sit down oga. You don't know anything about real estate.

These are the types of limiting mindsets that keep people stuck in poverty forever. That mindset of "what if, what if."

Always having mediocre and overly cautious mindset is not good if you really want to be financially free. Financial freedom is the way to go. Don't let anybody discourage you with their poverty mindsets.

It will only keep you stuck in one position for so long, cuz you don't like taking calculated risks. Life is all about risks taking.

Oh, you haven't heard about the global housing crisis that is ongoing?

There is nothing like if nobody rents the house. Have you built a house and nobody rents it? There are no enough houses to go round the population of every nation.

The western world is experiencing housing crisis currently and that's why the construction industry is booming at the moment even here in Nigeria.

Even here in Nigeria, have you ever built a well standard house and nobody rents it? They will rush the house as far as it's a good house. Any single delay, another person have paid for the house asap.

That's what happened to me when I wanted to rent a well standard 1 bed room apartment as a single bachelor that comes with POP, wardrobe and kitchen cabinet. I told the agent that I will make payment of total package of 900k the next day. Before I got there the following day, another person had paid for the house. And guess what I was told, first pay first serve. Time waits for no one. The thing pain me gan.

For your information, there are no enough houses globally just in case you don't know. That's why you can never go wrong with real estate business.

Mcslize:
Go and sit down oga. You don't know anything about real estate.

These are the types of limiting mindsets that keep people stuck in poverty forever. That mindset of "what if, what if."

Always having mediocre and overly cautious mindset is not good if you really want to be financially free. Financial freedom is the way to go. Don't let anybody discourage you with their poverty mindsets.

It will only keep you stuck in one position for so long, cuz you don't like taking calculated risks. Life is all about risks taking.

Oh, you haven't heard about the global housing crisis that is ongoing?

There is nothing like if nobody rents the house. Have you built a house and nobody rents it? There are no enough houses to go round the population of every nation.

The western world is experiencing housing crisis currently and that's why the construction industry is booming at the moment even here in Nigeria.

Even here in Nigeria, have you ever built a well standard house and nobody rents it? They will rush the house as far as it's a good house. Any single delay, another person have paid for the house asap.

That's what happened to me when I wanted to rent a well standard 1 bed room apartment as a single bachelor that comes with POP, wardrobe and kitchen cabinet. I told the agent that I will make payment of total package of 900k the next day. Before I got there the following day, another person had paid for the house. And guess what I was told, first pay first serve. Time waits for no one. The thing pain me gan.

For your information, there are no enough houses globally just in case you don't know. That's why you can never go wrong with real estate business.

Be calming down sir. I never said I was a real estate expert and at this stage of my life I'm not interested in taking useless risks.
1. You're uninformed on how the housing market works in the western world and 2. I've seen many houses where no one rents it and the owners lose it. There are many cities where rents prices have dropped and there are many cities where there's an oversupply of homes.
You can go wrong with real estate investment if you don't carry out the necessary analysis.

fullclub:
No am not a student. Like i mentioned i worked morr than 20hrs per week this showed am not a student. A full time worker.

Secondly how much do you think a full time worker should earn? 20 pounds per hour? Well most job pays you based on several factors but but be you a student or a full tile worker u shouldn't earn less than the minimum wage.

Most qualified nurses earn little above this minimum wage. Those in construction, building plumbing, carpentry, woodwork earn way higher because of their skills. Dentist and doctors will earn higher those are high in demand job.

But we that are in care sector, security, warehouses, kitchen porter even qualified nurse etc earn little above minimum wage and the difference is not that much.

I was once working in a place they paid 14.5 per hour but i can't stand 12hrs straight with 30 minutes break in between that's not the quality of life i came here for. I dont want to age quick
.


The car aspect am yet to pass their taste. You should have a valid licence to drive and passing a taste here is not a joke. U have to wait for 5 months for a practical test which most times have 60% failure rate. And if u faim u wait for another 5 months or so
Which country are u looking to get into.

Oga you are LAZY... For common 12hours work.. I guess that's SECURITY JOB....watin boys dey run for Nigeria with less pay?? Bros connect boys abeq