₦airaland Forum

Dolorsa:
Ok..try and reduce the number of days you intend to stay in the UK, it will help in reducing the budget for the trip too

Okau, let me do that and give you a feedback. Thanks a lot

Dolorsa:
Monthly disposable income is what you have left after your monthly expenses. If 50k is your monthly disposable income, visa won't be approved because it will take many months to accumulate the amount you intend to spend on the trip. You would have budgeted more than 2 times your monthly disposable income on a short trip which is red flag. I hope you understand

Sorry i meant to type #150k

Dolorsa:
It boils down to how much you earn monthly after tax and probably pension(PFA), that's your net pay and what your monthly disposable income is.

I appreciate your response, my monthly salary is 200k after tax and monthly disposable income is 50k

Good morning gurus in the house,

Please help me to examine my 10 days tourism to the UK

Hostel 10 days £108

Flight ticket £517

Feeding £140

Transportation £50

Up keep - £74

Total - £889 (#405,299) Oanda rate.

That's a little bit above 2 and half month salary after monthly expenditure.

Does it make sense? Abeg make una help me

Hello gurus in the house,

I'm filling my UK application form and it asks "Do you have another income or any savings?"

I own a property. Do i thick Other regular income or savings?

Thanks as always

justwise:
I skipped your post because the answer to that question has been repeated far too many times here even in almost all the refusal letters posted here.

I'm happy to help when people ask a question that shows that they have read even a page of this thread.

Thank you

Seeyat:
Hello oga @justwise and everyone on this great forum,

I'm almost set to reapply after my last refusal 2 years ago. I have booked male hostel for 10days at total of £108 in Lewisham, London, I'm trying to cut down my budget.

Now my question is, my monthly salary is 200k after tax and monthly expenses is 80k, how many months salary can i spend on this trip that will make sense?

Please guide me through.

PS: I wanted to cut down the monthly expenses as my wife is now working and we have no kids yet, but someone adviced me to stick to the monthly expenses i filled in my last application.

Please i need to be enlighten on this.

Many thanks and God bless as always

Please @justwise i would like you to share your opinion

giselle237:
if your refusal was 2 years ago, I dont think anyone can categorically say that your budget can’t change in these 2 years either more or less... even the cost of everything has not been the same in the past 2 years.. even people save up for projects, to buy houses, to acquire property, to pay hospital bills and the likes and their monthly expenditure reduces...
after I will upload my friend’s application, the finance side if he grants me permission ... his budget was 420k for 7 days on the grounds of tourism....hostel reservation included . first time applicant... his salary was 180k.. he filled that his monthly expenses was 25k..he is married but no children yet.. and he said he doesn’t have any dependants..
he was granted the visa because he was able to convincingly assure the visa officer on what he was saying..both in the finance section of his visa application and other areas. In a nutshell, examine your circumstances critically... no single month has the same expenses neither is everyone’s circumstance in Nigeria the same and the visa officer knows this. Then i think safety will be to say you will spend 2-3 months of your salary on this holiday after living expenses has been subtracted. 3 months been worst case scenario.
Thats my opinion. I am not an expert..

Thank you so much, your reply means a lot to me. I would also appreciate if your friend can permit you as to post his application just for an eye opener.

Thanks once again and God bless us all

Hello oga @justwise and everyone on this great forum,

I'm almost set to reapply after my last refusal 2 years ago. I have booked male hostel for 10days at total of £108 in Lewisham, London, I'm trying to cut down my budget.

Now my question is, my monthly salary is 200k after tax and monthly expenses is 80k, how many months salary can i spend on this trip that will make sense?

Please guide me through.

PS: I wanted to cut down the monthly expenses as my wife is now working and we have no kids yet, but someone adviced me to stick to the monthly expenses i filled in my last application.

Please i need to be enlighten on this.

Many thanks and God bless as always

Ashirioluwa:
It can be anywhere in UK

Thank you

giselle237:
you can ... just show proof of your spouse’s input into the household expenses or even times where she transferred funds to you. You can highlight this as her contribution to the family’s upkeep whilst providing her bank statement and yours

But didn't transfer her contribution into my bank account. What can i do?

Hello everyone, if I'm visiting London on tourism does it have to be central London or anywhere in London? I'm asking because i see a cheap hostel there

Yommieyomi:
I suggest you keep pace with your initial application.
If you reduce your expense for the fact that your wife is now working is likely to be mis-represented for irresponsibility and desperation.
Maintain same story, try and fix issues that came up on your last application properly.
My candid opinion.

Thanks a lot

Hello everyone,

In my last application i stated that my monthly expenses is #80,000 from monthly salary of #200k now it's gone down to #47k as my wife is working and supportive. No kids yet

Will my new monthly expenses make sense to ECO in my next application?

Abeg make una enlighten me biko.

Thanks as always

ijeshaoflondon:
So far you have other documents to back it up no probs ... your monthly expenditure can never be the same so no hassle about that... your travel history would also help your application...

Thank you so much. I will keep in touch in case i have questions

God bless

ijeshaoflondon:
Good to hear that ur salary is 200k and that you receive funds from your property. How much is ur monthly expenses? are you married with kids? What documents have you to tender to show that the property your being paid the rent does exist ? How much do u receive from rent?

YOU NEED TO DO UR MATHEMATICS VERY WELL OR ELSE IT WONT FLY.

If ur monthly expenses is 70k.. then you have 130k left

130×6 = 780.... rent of( 320k) to make 1.1m...

I appreciate your response for real. My monthly expenses is roughly 50k my wife is also working and supportive. No kids yet.

Rent is paid in 3 to 6 months which receipts are issued and i have other document to back it up

My question is, my monthly expenditure varies from month to month, how can i balance that.

Also i have traveled to couple countries since my last refusal

Please keep in touch and God bless

ijeshaoflondon:
Salary account or savings account.... ? 10k - 1.1m looks like a red flag to me ... well ur salary determines the how you were able to save such amount within a 6months.

My salary is 200k after tax and i sometimes receive rents from tenants

Dolorsa:
I note from your last refusal that the ECO stated that your company company couldn't be verified via open source independent verification; since it is represented as a global company according to the name: GGK GLOBAL Limited. Now, let me give you a hint on what they meant by open source independent verification. If you type company names like Shell, Chevron and a host of others, you can easily get the companies contact details like addresses and phone numbers online. But GGK global limited doesn't have anything of such online. If you type GGk global limited on google, it won't bring up anything and that is because the company has no functional website. It's either the company has a website so it could be verified via OSIV or you get a good travel history to make them overlook the fact that it's not verifiable via OSIV. Remember these people will always look for the slightest reasons to deny an applicant. As for the 10K opening balance, when you started work and how much you earn will be used to judge that. My 2 cents. Gurus in the house can also support or spot flaws in what i have written. That's why we are all here. To learn. No one knows it all.

Thank you, i appreciate

TonyyS:
is this the only reason for ur denial.

Majorly, yes

TonyyS:
didnt the "Global" show on the company's letterhead as part of the company's name?

It shows but it does not represent "worldwide" it was a name available during the registration

Good morning @justwise and other helpful people,

The company where i work has "Global" in its registration name but it's a local company and not global, the embassy mistakes it to be globally known. What can the company do to explain better so that the ECO can understand that it's not a globally known company.

omicron:
you can submit a five months payslip and bank statement, if that will improve the opening balance. Better than an opening balance of 10k.

Thank you

justwise:
It doesn't matter..your closing balance matters most

Thank you Oga mi

Dolorsa:
Make sure you are able to tackle the reason for your first refusal. That way your application will fly. Does your company now have online presence as it is a global one? Otherwise, get good travel history. Wish you well.

The name global doesn't mean the company is global. I think that is where mix up comes in. It's a local company but the name sounds as if it's a global company. How can i explain this to ECO? Please advise

Hello, Oga @justwise

Does it matter if my opening balance is is below #10k in the last 6 months, I've managed to save 1.100000 which includes the rent i get from my tenants or can i submit 5 months payslip?

justwise:
You can do that

Thank you

Hello everyone,

Is it necessary to include a flight reservation when applying for UK visit visa?

justwise:
I don't think that will be an issue

Thank you brother.

justwise:
How many months exactly?

I appreciate your prompt response, that's 2months and 2 weeks

Hello Oga @Justwise and others,

I'm about to reapply for UK visit visa, i would like to know if it's okay to spend a little above 2 months salary? My salary is 200k after tax.

Please advise

NanaOne1:
Thanks

You're welcome