naijaman3:


I don’t think he made a mistake here. He did not say that his wife already gave him her pay-check. Rather he said she will give him in January for him to make it up. He also said that his wife will start part-time work in January which is where I guess the pay-check will come from in January.

However, I think he needs to stop going into too much details because no matter what details he produces many people here like @opebiboy have made up their myopic mind that what he is doing is impossible. So, there is no need going into too much details. However, if he chooses to go into detail he needs to explain himself better.

Read the following 2 posts again:

TroublemakerPro:
Good day everyone, what I'm going to say may be very long but please bear with me.

I recently relocated to London (I created a thread on it with pictures)

https://www.nairaland.com/4846220/im-traveling-london-follow-me

I was happy seeing this post today and let me share MY opinion.

it is normal to get skeptical of Op claims because we are 9ja we know ourselves but since he has not asked for anything or sold an e-book yet this seems legit
I researched his story and figures ...

Yes it is possible to save this much if he really works as hard as he says

Yes it is true that most don't save as much abroad especially whites due to credit card expenses, school loans, housing, car loans, and catching fun e. t. c

Here in the UK, if I make the equivalent of what Op is making I won't be able to save much, because the cost of living is very expensive.
that's why most of you don't hear from your relatives abroad.
so it depends on the place,
it is easier to save in Canada and USA than in UK though the only advantage is that Pounds ( uk currency ) has higher power than the others.

So to fully change some doubters mind please can you take some pictures of Canada and hold a paper of nairaland written on it ( please don't show your face).
though this is optional

and congratulations to your mom her story inspired me.

PS: the average Nigerian doctor makes 250,000 naira a month.
the average doctor in Canada makes $ 28,166.6 Canadian dollars a month

convert
1 CAD= 267.60 Naira
28,166.6 x 267.6 = 7,537,382.16

7.5 million per month that's why Nigerian doctors are coming here

opebiboy:
Gangs of criminals and thieves. Canada that lots of people are suffering and saving even $4,000 is impossible you are busy posting payslip from your yahoo yahoo deposit.

TroublemakerPro:
Good day everyone, what I'm going to say may be very long but please bear with me.

I recently relocated to London (I created a thread on it with pictures)

https://www.nairaland.com/4846220/im-traveling-london-follow-me

I was happy seeing this post today and let me share MY opinion.

it is normal to get skeptical of Op claims because we are 9ja we know ourselves but since he has not asked for anything or sold an e-book yet this seems legit
I researched his story and figures ...

Yes it is possible to save this much if he really works as hard as he says

Yes it is true that most don't save as much abroad especially whites due to credit card expenses, school loans, housing, car loans, and catching fun e. t. c

Here in the UK, if I make the equivalent of what Op is making I won't be able to save much, because the cost of living is very expensive.
that's why most of you don't hear from your relatives abroad.
so it depends on the place,
it is easier to save in Canada and USA than in UK though the only advantage is that Pounds ( uk currency ) has higher power than the others.

So to fully change some doubters mind please can you take some pictures of Canada and hold a paper of nairaland written on it ( please don't show your face).
though this is optional

and congratulations to your mom her story inspired me.

PS: the average Nigerian doctor makes 250,000 naira a month.
the average doctor in Canada makes $ 28,166.6 Canadian dollars a month

convert
1 CAD= 267.60 Naira
28,166.6 x 267.6 = 7,537,382.16

7.5 million per month that's why Nigerian doctors are coming here

salford1:

You can definitely save in the UK too. Much would depend on your location within the UK. The tax in the UK and living expenses in Canada is very similar. I lived in Manchester and saved a substantial amount of money even when I worked survival job there. I also had a ghanaian friend that studied and funded himself through his MSc and Phd all from savings earned from his night security job.

TroublemakerPro:


Bro in London where I stay the rent is expensive, and like you said it depends on where you stay.
I said if you make exactly what OP makes( converted to pounds) , you won't save as much as him because of the expenses especially rent. I did not say you can't save.

salford1:

The average pay for a family Physician in Canada is around 160k to 300k depending on Province. Most will end up in the mid 250s. Specialists make on the higher end. 300k and up.

While converting to Naira, it's not also easy as it looks. Nigerian Drs do not probably have mortgage payments of $4k/months or car finances of $2k per month

TroublemakerPro:

But if after everything a doctor abroad saves 3k a month from his salary.
That's 3000 x 267. 6= 802,789.26.
800,000 in savings is bigger than the 250,000 average monthly salary in Nigeria don't you think? .

salford1:

I lived in the UK for 7 years so I kind of have an idea of how things work there. Even in London, you can get extra pay for living in a bigger city. London wages are higher than manchester wages so you can sometimes save as much as someone living in mancs.

ashatoda:


I believe you have read the op's post after what you wrote use your brain to dissect what you copied and his reply and hope you will have a better understanding about who needs to understand ENGLISH more which i believe will also help you to have good knowledge of who needs to get a life

Mizwisdom:





Yeah the details make it confusing. Like the wife will need stuffs, transport, clothes and all expenses so what's the motive of handing over a part time pay check when the hubby is already completely responsible for her needs and she'll be enrolling for her school. Her needs will still come from his pocket. OP, if you can't save as much each month, you can pause a bit on it till the next but if you give details on your wife's paycheck, we know you're still responsible for her needs and general upkeep and it will come from same savings

atutupoyoyo2211:
If you dont mind going to smaller provinces to study, i think University of Saskachewan and Memorial university of newfounland can easily admit. Also it may be wise to take some open courses from universities in Canada which can boost your GPA then you can go ahead and apply to better universities.

internationalman:
$16 per hour..

Assuming he works for 8 hrs $16 X 8hrs = #44800

Assuming he works for 28 days a month #44800 X 28
=1254400million..

So gateman pays way better abroad than a bank manager in Nigeria...

tolani4real:


Full time job is normally 40 hours a week for hourly rate job.
1 year = 52 weeks

For 1 week: $16 × 40 = $640

For 1 year: $640 × 52 = $33,280

Exchange rate Canadian $ to naira through oanda currency converter as today is Can $1 = N266

Total in 1 year: $33,280 × 266 = N8,852,480.

Remember Canada is not Nigeria. 25% to 40% of that money is government (taxes). This will depend on your filing status.

Also 30% to 60% of the reminder is going for rent.

That money only look big because of exchange rate. Don't get me wrong, you can't compare Canada to Nigeria.

atutupoyoyo2211:
If you dont mind going to smaller provinces to study, i think University of Saskachewan and Memorial university of newfounland can easily admit. Also it may be wise to take some open courses from universities in Canada which can boost your GPA, then you can go ahead and apply to better universities.

naijaman3:


The statement in bold is not always true. If you plan your life properly you do not need to work more than 40hrs in a week to live decent and debt free life. With the correct residency status, people may have to work a lot of hours in a minimum wage job when they just arrive. With proper planning, they can eventually get a job in their profession and work only 40hrs a week. If you read the Op (@atutupoyoyo2211) post from start, you will see that this is what he is planning to do. He does not plan to stay in this kind of job for the rest if his life. Sadly, this type of opportunity is not available in Nigeria.

I have been trying to avoid talking about my own experience regarding @atutupoyoyo2211 approach because I am trying to protect my identity and also because if some people find it difficult to believe @atutupoyoyo2211 whose situation is very straight forward, how would they believe me. Without revealing too much about myself, I will at this point say a little to show what is possible with proper planning and prudent spending:

1. I came to Canada in 2001 with permanent residency visa (landed immigrant visa is what we called it then)
2. I worked in minimum wage job for one year at the same time trying to get my professional certification and register in my profession.
3. For the one year I was doing the minimum wage job, I was living and saving as I explained on page 11 here: https://www.nairaland.com/4857306/monthly-savings-canada/10#73854976
4. By early 2003, I got a job in my profession and started working only 40 hour a week because my salary back in 2003 was already 4 times what I was making while working minimum wage.
5. Two years later, in 2005 I bought my house with 20% down-payment. The down-payment was from all my savings from working minimum wage and 2 years of working in my profession.
6. I continued to live modestly and investing in the stock market (not just savings). This way I was able to fully pay my mortgage in 2015 which is 10 years after buying my house compared to others who spend recklessly and take between 25 to 30 years to pay off their mortgage.
7. Without being boastful, I can tell you that today (2018) I am a Millionaire in Dollars (in cash, stocks and other investments), my wife and I drive luxury SUV’s, we go on vacation with our kids twice a year (one trip within North America during the spring break in March/April and the second trip to anyone of either Europe or Asia or Nigeria when the kids are on summer vacation in July and August).
8. I have a lovely and supportive wife and amazing 3 kids that are making me proud and thankful to God daily.
9. All of the above do not include my wife’s savings and investment as she also works in her own profession.
10. I do not have any type of debt (no mortgage debt, no car debt, no credit card debt). I pay my credit card in full every month.

If the above is not fulfilling and living my Canadian dream, what else is it.

@atutupoyoyo2211: I hope you can learn one or two things from my write up above. Please continue doing your thing and do not be discouraged. I can see success in you. Please do not disappoint me.

Important: Please note that the above is applicable only if your status in Canada is legal (i.e. you have permanent residency or you are a citizen). Please do not plan to come to Canada with just a visitor visa and think you can easily make it like we are trying to explain here. As far as I am concerned planning to come here and make it on visitor visa is a suicide mission. You may end up making it but the chance is very slim and I do not encourage such move.

atutupoyoyo2211:
First of all, Bro, this is a huge encoragement and i appreciate you for that. My intention is to get to the point where i could have achieved or even surpassed you. I pray God make you bigger.

Mizwisdom:





Yeah the details make it confusing. Like the wife will need stuffs, transport, clothes and all expenses so what's the motive of handing over a part time pay check when the hubby is already completely responsible for her needs and she'll be enrolling for her school. Her needs will still come from his pocket. OP, if you can't save as much each month, you can pause a bit on it till the next but if you give details on your wife's paycheck, we know you're still responsible for her needs and general upkeep and it will come from same savings

emmadeking:


Bro, please can you explain more on "taking some open courses in universities in Canada which can boost your GPA"

@naijama3 can you help us out?

Please someone should clear us...

naijaman3:


@atutupoyoyo2211

I am glad to know that you found my experience encouraging. Going by your determination, I am confident that you will be able to surpass my accomplishments. I will keep monitoring this thread and continue to encourage you the best way I can. You can do it buddy!

Lhimeet:
Merry Xmas Everyone!

internationalman:
$16 per hour..

Assuming he works for 8 hrs $16 X 8hrs = #44800

Assuming he works for 28 days a month #44800 X 28
=1254400million..

So gateman pays way better abroad than a bank manager in Nigeria...

naijaman3:


@emmadeking

Unfortunately, I do not know about the open courses in universities in Canada as I never attended university in Canada. All my university education were from outside of Canada. The only Canadian qualification I have is my professional certification/registration with my profession regulatory body.

naijaman3:


@emmadeking

Unfortunately, I do not know about the open courses in universities in Canada as I never attended university in Canada. All my university education were from outside of Canada. The only Canadian qualification I have is my professional certification/registration with my profession regulatory body.

adajiboyy:
I was in one of the Best football academies in Lagos then and the plan was continue to train hard till an offer Comes to undergo a trails in Europe, I was dubed twice by agents, i went to the Nigeria under 17 camp ( kelechi iheanajo set) and got to the final 50 player's and was told to pay 2 million naira as tip to the team officials before I would be picked to play in the African nations cup qualifiers but mom didn't have such an amount of money, bro it's a long painful story that I try not to remember or think of. I just wasted 9 years of my life but thank God for life though

naijaman3:


@emmadeking

Unfortunately, I do not know about the open courses in universities in Canada as I never attended university in Canada. All my university education were from outside of Canada. The only Canadian qualification I have is my professional certification/registration with my profession regulatory body.

atutupoyoyo2211:
You are completely right. But not to worry, myself and my wife have worked it out completely. i try to explain completely every point i make here so we can all understand. But it may be difficult for me to break down this particular point, so i will just leave it. But i promise, in subsequent post, you will realize how we were able to make ends meet.