₦airaland Forum

Zonefree:
Where you see snails?

Is it not yet time to reduce hand for garri?

bring milk make I add and no forget Bua sugar 😋

Am seeing goat meat, fish and snails.

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?

U the make japa the fear me. I don even the get bad dream because of ur post self.

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

iMerchant:
You have raised a valid point but my challenges with most people especially those who start importation business after buying ebooks from someone who never practice the business they preach is lack of basic understanding of the business.

I do not claim to be an expert but surely am not a complete idiot and I do think you can learn one or two things from my foolishness if you are willingly to learn:

1. In importation business, you don't make money when you sell you do when you buy
2. It is obvious you don't do your due diligence before buying stuff from china because if you do, you will not end up buying stuff from china at a price more expensive than Lagos.
3. You basically from your post buy on impulse which is VERY BAD for any business especially when you are into importation business. Your consumer are suppose to buy from you on impulse not the other way round.
4. Stop buying generic goods at expensive price from china.
5. The infact that someone brainwashed you into believing that goods are cheap on 1688.com and Taobao doesn't mean the person is 100% accurate. Believe me when I say you can get some stuff cheaper on Aliexpress than 1688.com
6. Sir, except you are a contractor who buy stuffs for other to resell, you should NEVER EVER use EXPRESS shipping for goods you intend to resell. As a good business person, your aim should always be to reduce your cost of doing business not increase it.
7. If you do your homework very well cheaper doesn't necessary mean better quality in China. Except you import sub-standard goods from china you need not worry about the Lagos price if you have a product with superior quality. Before you say anything, I have sold hundreds of selfie stick nationwide at 7.5k each when other people selling at 1.2k are yet to sell 50 pcs. Quality beat price anyday anytime.
8. Before you buy anything from china please go to your source market in Lagos first thereby saving yourself unnecessary headache. If it is cheaper in Lagos with the same quality like the one you are buying from china, please do yourself a favour, Buy it in Lagos.


Thanks

can we discuss privately?

keyke:
Social work please. Social workers are respected in the UK, they earn well (more than nurses) and there’s shortage of them.

thanks

This country is depressing. Educated witches and wizards and the helpless cry of the masses, shivering and cowardly hiding under the coverage of their shadows praying not to be the next meal.

Mindlog:
No, as long as there is need for intervention.

Ok thanks alot sir.

Mindlog:
Many want to study the course because of assured jobs after qualifying, just as many practicing social workers are leaving the job because of overwhelming caseloads and burnouts

I work in children social care sites and get to daily work with social workers in different departments of the service, it is not an easy role.

will working in a remote area reduce the work load?......

Mindlog:
Getting admission for it, is really tough and it is a 2 years Masters program with fees from £25 000 and above.

at university of hull the fee is £12 000 per year. Is it a very competitive course?.... why is the admission tough?

Mindlog:
Have you been offered admission for Social work?

Not yet. I want to apply for September intake next month

At least he got time to fulfill his wishes and said goodbye to loved ones.

Am not getting this...... travel, check up, job, sister house. Think before taking action make u no go use 400years travel from Egypt to Israel.

ogify1:
Psychology

thanks

Hmmm

Hello everyone. Am finding it difficult to choose between social works and psychology. Am confused because of my chances of work availability and sponsorship after graduation. Abeg help a sister

Waiting

[quote author=christopher123 post=134327460][/quote]may God give u the strength to push through. Please don't give room for depression, ur children need u. Don't blame relocation for what is happening.

Anthonyo15:
2024_2 RESULT IS OUT

Check it out from https://support.nou.edu.ng/

Project results too?

Infidelity and anger have caused a lot.

Usefulsense:
There are no slaves abroad. I mean, there are no slaves in USA, Australia, UK, Germany, Canada etc. People apply for the jobs they do and they resign when they no longer want the job. Abroad, nobody slaves for any body. You are handsomely paid for the jobs you do.

If there is any form of slavery, it is in Nigeria where some people earn 20k per month in 2025. This is less than I hour pay in Australia.

One of the biggest advantage of living abroad is the peace of mind that comes with it.

peace of mind. I love that word

How much?

Hmmm

nikkygal:
Oh dear! I'm so sorry and this must be so distressing for you. You see this men ehn, a lot of them are users. Once they see that their wife gathers assets, they become greedy and want to sit on it.

Are you still in the marriage? I salute your courage and I believe as a strong hardworking woman to have hustled to acquire all these, God will reward you in multiple folds. The mindset and focus you have is still in place for you to do and achieve even more. Success is the best revenge!

How does a woman remain happy in this type of marriage when the husband has 'kolobi-ed' all his wife's assets? And I'm sure he will still be lying to his family members and 3rd parties that he owns it.

Just face your children and keep yourself happy. Buy new properties in your name and your kids and make sure he doesn't see your 1 Naira again.

Stay strong.....

I regret everything.

Kobojunkie:
Are you a billionaire?

just a woman that likes to hussle and create a comfortable home for my kids just as my parents did for me.

Mayflowa:
NO! That's extreme. What does he give you then. I know you care about him but he shouldn't take you for a fool to step on.

foolish me though everything is for our children, so I ignore all the red light

nikkygal:
So how did you resolve this? Is your name on the land documents at all? Or is it only his name?

What of the supermarket? How have you been able to manage it going forward with him claiming it as his?

still on his name. I left the supermarket for him and extended family.