marylandcakes:



If you park in a drive it’s cheaper than parking on the street also if you use it for social only instead of work commuting you get a few pounds knocked off. I find the site confused.com has got cheaper rates when it comes to car insurance.

I hear you! Confirmed that what you say is correct. Apparently too the less miles you cover and if an experienced driver is listed on the insurance also brings it down. Thanks for your help.

marylandcakes:


I think it’s better to buy a used car because no matter the make of the car, once you have driven it out of that forecourt almost half of the value has been knocked off. Even if it’s six months old to me you still make a saving. Insurance. Is also very high on new cars. The financial commitment is a lot for someone just coming in to settle down in the uk. Better to take on a mortgage than a car finance in my opinion but maybe it’s the accountant in me that’s speaking.

And what if you’ve gotten a mortgage already?

Again, I stress on affordability. If you can afford it, there’s absolutely nothing wrong in buying a brand new car.

People without settled status (ILR or citizenship) take out a mortgage, which is by a far a larger financial commitment than buying a car on PCI and they are doing very fine. Even if they leave the country, they simply covert the mortgage to a buy to let and hand it over to an estate agent to source tenants and help out with the management.

Ralphlauren:


And what if you’ve gotten a mortgage already?

Again, I stress on affordability. If you can afford it, there’s absolutely nothing wrong in buying a brand new car.

People without settled status (ILR or citizenship) take out a mortgage, which is by a far a larger financial commitment than buying a car on PCI and they are doing very fine. Even if they leave the country, they simply covert the mortgage to a buy to let and hand it over to an estate agent tosource tenants and help out with the management.

Oga Ralphlauren, why you dey counter her points? Pls chill....

Killingmesoftly:
My brothers and sisters i thank u all for your wonderful contributions concerning my topic. I am the lady that has triplets with my expired visa, I have decided to stay to enable me take care of my triplets. The lawyer is still working on my case but I av to excercise patience to enable me have my papers. I have to confess, it has not bin easy taking care of triplets. I av been up and doing. So buzy! Ps house what is a good salary in the UK for someone that does not av qualification? Someone told me that £3,000 is good to make every month for d family. But will £3,000 be Okey for me and my husband, with our three kids for every month? My hubby just got two rooms apartment and we are paying £900 but we pay for water, and other bills. He works as healthcare staff in a nursing home and earn £2,000 and he also do other jobs during his off days, atleast a month he makes £2,300. Ps will the £2,300 be enof if we manage it well?
May I know the highest pay one can get paid in the UK without certificate.

A friend adviced me that when my kids are 2years and when I get my papers, I should work as mental health assistance, she said they pay them well, beacuse she is working as a mental health assistance contractor, she only works at her convient time, mostly nite shift and at the end of the month, she goes home with £2,500. How truth is this ps? Working at y convient time and making that amount? I will like to know if mental health assistance is a good job without certificate just training. I heard that no certificate is required for the job. Is this really a good job bc I am scared of mad people.
I am looking for something to do to assist my hubby. Ps house I need your advice on these ps. Or is there any other jobs one can get well paid without certificate?

I am aving hope to further my studies, I will like to be a nurse. Can someone put me through on how to become a nurse, which cheap university or college can I go. I learnt I can do just diploma nursing. How much can I av to do it, I need to start saving, ps I need y advice house. Ps help mama triplets like me. I really need y advice so that I can bring up my family, I am a hard-working woman, I need to achieve like others in this country. I await all your wonderful contributions. Thanks so much. I appreciate u all for taking out time to assist.

To start with, you should have gone back to nigeria and have your husband file for you to return back to the UK as his dependant.

You’ve said your partner is on a work/business visa. I assume this is the entrepreneur visa so why is he working at a nursing home? Has he considered switching career paths? What’s his educational background ?

It’s going to take up to 2-4 years if not longer to obtain your discretionary leave to remain. If you had returned to naija, with all the right paperwork, within two weeks, you would have obtained your dependent visa which gives you unrestricted rights to work and also study and you would have returned back to the UK with your kids as legal migrants.

It would have cost your family a lot financially but when you consider lawyer fees, the back and forth with home office, the 2-4years (or more) of unemployment on your part (lost income), then you will see that returning to naija would have been a better option.

This route you’ve taken is just added stress on your husband. Being the only income earner for a family of five is tough and considering the fact is not eligible for any benefits at the moment.

Be wary of friends encouraging and advising you to overstay. I would also be wary of friends advising you to work at mental homes (when it’s clear you have no passion for such roles). Such friends are usually the group of people that believe the only roles immigrants can get in the UK is care job which is an absolute fallacy. You needs friends around you that will advise you to do things the legal route. Friends that can inspire you to aim for a role in a fancy office at Canary Wharf.

Now that your visa has expired, if you return to nigeria and your husband files for you with his current status, you will be refused. You will have to wait till he gets his citizenship (another 2yrs+) before he can file for you under the spousal visa route.

Until you regularise your stay, it’s going to be very difficult earning an income. Focus on your kids, decide on what career path you want and go on udemy and see if there are short courses you can take.

Lexusgs430:


Oga Ralphlauren, why you dey counter her points? Pls chill....

Aye aye sir

marylandcakes:


I thought that when you have triplets in this country you get offered a nanny and extra support? Please correct me if I’m wrong.

.

Offered a nanny? Paid by whom? In which country? Or are you being sarcastic?

http://www.twinsuk.co.uk/twinstips/20/94/financial-help-&-advice/practical-help-&-financial-factsheet-for-families-with-twins,-triplets-or-more./

Ralphlauren:
.

Offered a nanny? Paid by whom? In which country? Or are you being sarcastic?

http://www.twinsuk.co.uk/twinstips/20/94/financial-help-&-advice/practical-help-&-financial-factsheet-for-families-with-twins,-triplets-or-more./

I dey miss o.... Abeg anybody know any woman wey get triplets for body?

Ralphlauren:
.

Offered a nanny? Paid by whom? In which country? Or are you being sarcastic?

http://www.twinsuk.co.uk/twinstips/20/94/financial-help-&-advice/practical-help-&-financial-factsheet-for-families-with-twins,-triplets-or-more./

A friend of mine who had her triplets in Ireland told me this, I’m not being sarcastic, this is a developed country and multiple births do get a lot of support from the government.

Ralphlauren:


And what if you’ve gotten a mortgage already?

Again, I stress on affordability. If you can afford it, there’s absolutely nothing wrong in buying a brand new car.

People without settled status (ILR or citizenship) take out a mortgage, which is by a far a larger financial commitment than buying a car on PCI and they are doing very fine. Even if they leave the country, they simply covert the mortgage to a buy to let and hand it over to an estate agent to source tenants and help out with the management.

I don’t think you understood the point I was trying to make. I was indirectly talking about the depreciating value of the car in comparison with a house whose value goes up.

Ralphlauren:


To start with, you should have gone back to nigeria and have your husband file for you to return back to the UK as his dependant.

You’ve said your partner is on a work/business visa. I assume this is the entrepreneur visa so why is he working at a nursing home? Has he considered switching career paths? What’s his educational background ?

It’s going to take up to 2-4 years if not longer to obtain your discretionary leave to remain. If you had returned to naija, with all the right paperwork, within two weeks, you would have obtained your dependent visa which gives you unrestricted rights to work and also study and you would have returned back to the UK with your kids as legal migrants.

It would have cost your family a lot financially but when you consider lawyer fees, the back and forth with home office, the 2-4years (or more) of unemployment on your part (lost income), then you will see that returning to naija would have been a better option.

This route you’ve taken is just added stress on your husband. Being the only income earner for a family of five is tough and considering the fact is not eligible for any benefits at the moment.

Be wary of friends encouraging and advising you to overstay. I would also be wary of friends advising you to work at mental homes (when it’s clear you have no passion for such roles). Such friends are usually the group of people that believe the only roles immigrants can get in the UK is care job which is an absolute fallacy. You needs friends around you that will advise you to do things the legal route. Friends that can inspire you to aim for a role in a fancy office at Canary Wharf.

Now that your visa has expired, if you return to nigeria and your husband files for you with his current status, you will be refused. You will have to wait till he gets his citizenship (another 2yrs+) before he can file for you under the spousal visa route.

Until you regularise your stay, it’s going to be very difficult earning an income. Focus on your kids, decide on what career path you want and go on udemy and see if there are short courses you can take.

Thanks for your advice, I appreciate. How do u want me to go bk to Nigeria with three kids, still very little kids? I rather trust in God for the three years or four for the discretionary leave to remain.

My hubby is on work visa. But what they wrote in his visa is that he had the right to work and do business, but since he can not do business, he decided to get work at nursing home.
For now he does not av any qualification, he only did a certification course on health care which he used to get a work and he has done many trainings.

Ps house I still need clarification on the reasonable salary one can receive monthly in the UK.
Is £3,000 a good salary for the month? Ps why I am asking all these questions is that I am preparing and planning for my future. U guys might think I am asking too much, but I need to start planning for the future of my family. The earlier I garther informations the better for me. Ps what advice can u give to me as I get my pappers. I want to study nursing and how much did they pay nurses in uk?

Killingmesoftly:
Ps house I still need clarification on the reasonable salary one can receive monthly in the UK.
Is £3,000 a good salary for the month? Ps why I am asking all these questions is that I am preparing and planning for my future. U guys might think I am asking too much, but I need to start planning for the future of my family. The earlier I garther informations the better for me. Ps what advice can u give to me as I get my pappers. I want to study nursing and how much did they pay nurses in uk?

If you are taking home net 3k monthly in Uk even if you are living in London that’s are very good pay so the gross of that should be about 46k which is above average pay. You should be about to live comfortable with that. At the end of the day it also boils down to your spending habits.
If the 3k is Gross pay then that’s 36k pa , if you are on the basic tax code then your net take home should be about £2,300 monthly.. That’s still not bad , it depends on the size of your family. If you are the only bread winner, then you might struggle a bit. If you are frugal then it should be enough.

Very good income as long as you are not playing “keeping up with the Jones”

marylandcakes:



If you are taking home net 3k monthly in Uk even if you are living in London that’s are very good pay so the gross of that should be about 46k which is above average pay. You should be about to live comfortable with that. At the end of the day it also boils down to your spending habits.
If the 3k is Gross pay then that’s 36k pa , if you are on the basic tax code then your net take home should be about £2,300 monthly.. That’s still not bad , it depends on the size of your family. If you are the only bread winner, then you might struggle a bit. If you are frugal then it should be enough.

Very good income as long as you are not playing “keeping up with the Jones”

Thanks so much dear. I appreciate y prompt response

Killingmesoftly:


Thanks so much dear. I appreciate y prompt response

I know people on 10k per month and still broke and I know people on 2500 who seem to get it together . So, income and expenditure is relative.

wonlasewonimi:


I know people on 10k per month and still broke and I know people on 2500 who seem to get it together . So, income and expenditure is relative.

What kind of jobs bring in 10k a month please

Aphrodite007:


You see why I love you guys , I’ve learned too much from here. I honestly was thinking that was a cheap car . My co-workers say that I should buy a new car from the dealers. Maybe I’ll check gumtree. Damn I feel stupid

Check Auto trader and Ebay. Avoid dealers, they know all the tricks in the book including clocking the mileage.

Try to buy from private sellers.

Red flags to look for;
Number of previous owners: the higher the number relative to the age of the car, that's not too good.

2)Number of miles on it: chances of more wear and tear if the mileage is high although you may have to compromise mileage to get something cheaper. I personally do not go for anything with more than 50k miles.
3) Check out the history of the car, see if its has been in any accidents which has not been disclosed. If it has been, shouldn't be more than a cat c (fender bender) to avoid stories that touch.

Use this website; www.mycarcheck.co.uk. For a 20 quid, you will be able to check the history of up to 4 cars by just entering the reg number.



Lastly, haggle on the price.

EngrSaks:


What kind of jobs bring in 10k a month please

All the devops engineers I know are on £650 per day

If you are an infosec professional and you are on less than £500 a day you are not balling.

Lexusgs430:


You have packed so many to do's in this your request. Take things easy and don't over burden yourself....

Hmmm! U d'nt understand, I need to make haste when d sun set. I need better life for my family that is why I am asking all these questions

Killingmesoftly:


Hmmm! U d'nt understand, I need to make haste when d sun set. I need better life for my family that is why I am asking all these questions

But it's also important to stage all this affairs.

Please I hope we realise that information on this forum is easily accessible to whoever- we do not encourage anyone to overstay their visas.

We represent law abiding Nigerians and will not be caught encouraging anyone who willingly and knowingly chooses to break the law.

wonlasewonimi:


All the devops engineers I know are on £650 per day

If you are an infosec professional and you are on less than £500 a day you are not balling.

Very interesting, how can someone break into that sector Abeg ?

EngrSaks:



Very interesting, how can someone break into that sector Abeg ?

You can't break into it.. You plan and work towards it. Perseverance and determination backed by God.

NosoChic:
Please I hope we realise that information on this forum is easily accessible to whoever- we do not encourage anyone to overstay their visas.

We represent law abiding Nigerians and will not be caught encouraging anyone who willingly and knowingly chooses to break the law.

Nobody is encouraging anyone. She has decided on what she wants to do.

It's not only Nigerian's that overstay.

Goodluck to her....

Just some few days off too many information, where do I start jotting from.

I support my fellow automatic drivers jare, didn't know we are much there but you people are rich oo when I look at ur car budget ooo. I want to be like you when I grow up

wonlasewonimi:

You can't break into it.. You plan and work towards it. Perseverance and determination back by God.

Nothing good comes easy, can you help with the steps needed?

@killingmesoftly truth is everything is in stages with what you have decided to do and since you made up your mind to stay back you have to face the harsh reality.

Focus on raising those kids because getting a job and studying right now with your status is near impossible and immigration is very fluid in all this developing countries so planning 3k income ahead is not necessary and no point to it because there are toooooooo many uncertain variable in your equations.

And also hope you know cost of childcare is expensive for one kid not to mention 3 so eventually working may not be worth it.

All the best in your chosen path

EngrSaks:


Nothing good comes easy, can you help with the steps needed?

You like money oo just because u have heard ordinary 600 quid per day now, u wan change profession

fatima04:


You like money oo just because u have heard ordinary 600 quid per day now, u wan change profession

Lol yes o, plus I.T is something I naturally enjoy so it would be nice to explore that path

Good day people. New UK Immigrant on Tier 2 dependent visa.
Settling in nicely with 2 kids under 4. I've been able to get my first into a nursery with 15 free hours, which he goes to from Monday - Friday.
Moving around with 2 kids hasn't been so easy without a car. I've applied for my temporary license and will start preparing for the theory test soon.
I will be a stay at home mom for now till my baby turns 1, While also waiting for my license to be approved from my professional body (I'm a physiotherapist) as well as doing relevant online courses to make up for my time not being in active work.
I've been considering a change in career, probably project management although i have no prior experience whatsoever, just something i think i might enjoy doing in the long run. If anyone knows about any entry level or trainee jobs i wouldn't mind you sharing the information.
Anyone has any business ideas i can be doing online from home?

Okay let me go and start reading from page 0, i can already feel there will be so much valuable and useful information on this thread.

One love guys

Lexusgs430:


Nobody is encouraging anyone. She has decided on what she wants to do.

It's not only Nigerian's that overstay.

Goodluck to her....

I was sure not to direct my comments to anyone...I have made my comment from an informed point of view. If there is an obvious does it make you any smarter publicly stating it?

@killingmesoftly

A good income is relative..all depends on lifestyle choices.

I know people earning 20-22k pcm before taxes mostly sole earners with wives who don't work.

3k may seem a lot to some but there are people earning double and triple , quadruple of that & still not satisfied.

Important thing is to do what you can and be happy..there will always be someone who outearns you.

Make sure you are living within your means,keep expenditure way less than incoming,mix with people who inspire and challenge you to be better.

I've not seen mentions of importance of extracurriculars for the kids..i cannot stress on how important this is.Swimming classes,dance classes,football,karate,tennis,music you name it i'm sure there's a class for it somewhere.

Find out what interests the children have and let them enrol in at least one of them.

Councils usually run cheap classes for children,it's quite useful to keep them busy.

Also broadening horizons for the children is great,visits to the museum,zoo,parks,overy inexpensive but serve to educate in a fun filled way.There are even places to pick fruits,farms that offer cheap riding and petting classes with ponies for a day..sea world to learn about sea life etc


I won't even go into how important it is to go on holidays.Once a year?Doesn't have to be very expensive,there are places you can book within the uk that are amazing and you can book a year ahead sef while saving.

Time out to chill is very very important.I will write more as i remember.

NB I don't count going to nigeria as a holiday.It is usually very very stressful for me

EngrSaks:



Lol yes o, plus I.T is something I naturally enjoy so it would be nice to explore that path

Which area of IT do you enjoy? You can can follow these lucrative career path because of money... You need passion and money will follow.