₦airaland Forum

justwise:
Your salary is good but your monthly outgoing is the issue here but with your wife's contribution it will be an advantage

I calculated all my expenditure for the year & divided by 12 to arrive at the average. This expenses include my annual rent, son's school fees, monthly upkeep for wife & dad, monthly feeding, utilities & other sundry expenses. If I take off my rent & son's school fees, the monthly outgoing will drop drastically. What is your opinion on these? Thanks for your clarifications so far.

It depends on the sales for the month. She pays herself a certain percentage monthly, highest she has paid herself is 35k.

justwise:
How much does your wife make from her business?

Thanks for your response. Flight ticket for the 3 of us takes up about 76% of the budget (650k) & that's the cheapest I saw online (estimated though). My monthly expenses consists of my yearly rent (which I divided by 12). Does my savings not matter? I look forward to your response as well as from this esteemed house

giselle237:
Your salary is 467 and your monthly expenses equals 290k leaving you with a disposable income of 177k monthly.. please you cant afford to spend over 852k thousand on a 10 day trip if this is what you would write. Thats almost 5 times the salary you are declaring as your income. It is not acceptable. Pleaseeeeeeee go work on your whole budget and the people you will declare as dependents as well as your disposable income after monthly expenses. They need reduction.

Good day Justwise & other gurus in the house. I intend to apply for UK Visit Visa for myself, wife & 4 year old son in December. This will be our 2nd time applying as a family, as we were refused visa in 2016 for financial reasons. I had a closing balance of 750k & I proposed to spend 1m on the trip. After going through this thread, I understand now that the refusal was justified. I need second opinions & advice from this house as I reapply.

I am gainfully employed (I receive 467k) monthly & my wife, son & my dad depend on me. My monthly expenses average 290k. I presently have in my gtb account about 420k & 1.2m in my sterling bank account. My salary account is Access & I usually move all the money to my gtb, immediately my salary comes in, from where I make all transactions & save the balance to my sterling bank. My wife is self employed & has a registered business where she deals on bakery ingredients & accessories. My brother in the UK, a british citizen, will take care of our feeding & accommodation while I shall solely be responsible for other expenses. We shall be spending 10 days.

Financials
I intend to submit my 3 bank statements with the following opening balances;
Sterling - 1,013,000
GTB - 687,000
Access - 475,000

I envisage to have a closing balance in my sterling account of #2.2m & say 300k in my GTB account at the time of applying.

Expenses
I estimate to spend #852,285.20 on the trip (flight tickets, access fees to places of attraction & maybe bus passes).

I intend to submit my employment details (employment, confirmation, promotion & company introduction letters, Payslips, ID cards, TCCs)
Wife's coy CAC registration(am also a director here), coy & personal bank statements, sales invoices) - to show her strong ties to naija.
I shall also attach my land property docs as well as the usual documents (including cover letter & invitation letter).

So my people, I need your opinions, observations & advice, most especially on gaps that may not be visible to me.

I look forward to your responses.