NewStats: 3,262,304 , 8,176,750 topics. Date: Sunday, 01 June 2025 at 06:17 PM 4fx57

Im shocked you earn just 1700 to 1800 pounds when I know people in Nigeria who work for remote companies earning from 2400 to 2600 pounds a month. Hmm you people in UK are really trying.

tensazangetsu20:
Skill issue bros. This one is only peculiar to you o😂😂

You told him the plain truth, but as usual he will argue rather than learn


Btw, pennyseo, fastseo, gist004 and fullclub are one and the same

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 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

fullclub:

What does it mean bro

When you created the thread below, I recall predicting your learning experience may be less steep than it could possibly be, your new thread confirms the accuracy of my prediction. You need to build your network and be open to learning.

https://nairaland.unblockandhide.com/7889678/experience-uk-since-japa-warning

On a side note, except you are paying for a phone contract, £54 a month is ridiculous even for 2 people.

Lebera would give you a payg contract of £6 a month with data bundle of about 10gig. Virgin will give you highspeed broadband for the house for £23 a month with £50 credit opt-in credit.

Atk1nson:


When you created the thread below, I recall predicting your learning experience may be less steep than it could possibly be, your new thread confirms the accuracy of my prediction. You need to build your network and be open to learning.

https://nairaland.unblockandhide.com/7889678/experience-uk-since-japa-warning

On a side note, except you are paying for a phone contract, £54 a month is ridiculous even for 2 people.

Lebera would give you a payg contract of £6 a month with data bundle of about 10gig. Virgin will give you highspeed broadband for the house for £23 a month with £50 credit opt-in credit.

Who uses 10gig of data? I was with levebra i had to switch.. I should be managing 10gig of data is that the better life i left Nigeria to enjoy in abroad? In Nigeria i mske use of nothing less than 40 gig per month

Interesting thread

AfahaAbia:
Im shocked you earn just 1700 to 1800 pounds when I know people in Nigeria who work for remote companies earning from 2400 to 2600 pounds a month. Hmm you people in UK are really trying.

You have an indeed app. Switch it to UK. You see all salary structure
Nothing is hidden.

If u earn 2400 u will be taxed 378 pounds and have 2000 take home. And if u earn 2600 you should have 2165 as take home

Most full time worker can only work up to 40 or 48 max per week if u exceed 48 hours then tax got to be high as high as 40%

fullclub:


Who uses 10gig of data? I was with levebra i had to switch.. I should be managing 10gig of data is that the better life i left Nigeria to enjoy in abroad? In Nigeria i mske use of nothing less than 40 gig per month

If you need data, get a broadband.

The month of a virgin broadband plus 2 lebara sim is less than £40 a month.

Also, you dont need to pay for a TV license except you are buying a TV to watch live TV shows. You can but a smart TV and stick to streaming platforms.

Stop using UK as measurement for life abroad
Relocating to USA is one of the best decisions I have ever made in life

Dont discourage anybody.

Japa if u have the means.

It is still better than living in Nigeria.

I swear if I have even 5million I will not even think about any japa

Note: food is extremely cheap and affordable unlike in Nigeria. That's why most that relocated after few months they look revived and fresh grin


You see this line here.

This is the third or fourth time I'm hearing this from someone abroad.

And this is one of the reasons most people would want to Japa. Especially those struggling to feed themselves in Nigeria.

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 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

Wait OP does it mean that you don’t have TV at home??!!

Why don't you come back home na

OkanlawonB:


Austria and .

i will soon my uncle in austria

Atk1nson:


If you need data, get a broadband.

The month of a virgin broadband plus 2 lebara sim is less than £40 a month.

Also, you dont need to pay for a TV license except you are buying a TV to watch live TV shows. You can but a smart TV and stick to streaming platforms.

Manager of leberal has spoken. Come n give me me 2 leberal sim for 45 pounds per month i will buy. My current sim is leberal they gave me free of charge. Lebera is 25 pounds per month for unlimited
I should get a broadband and if am off to work i will browse with what or of am on transit and want to locate somewhere with map or i want to browse? My WhatsApp will be on freeze until i get home to connect to broadband

This ur economic sense no follow

fullclub:


Manager of leberal has spoken. Come n give me me 2 leberal sim for 45 pounds per month i will buy.
I should get a broadband and if am off to work i will browse with what or of am on transit and want to locate somewhere with map or i want to browse?

This ur economic sense no follow

come back home na...

Your location or country matters most. Having a soft landing is also important. The most important aspect is been skilled.

Japa is not for everybody and everybody must not go to the UK or US.

A lot of apartments are shared in uk so as to cut cost and with bills inclusive ( that means cost of gas ,electricity, internet and water are part of the rent)...that food and transportation part is over exaggerated.wetin u dey chop with 200 pounds? 140 is too much for one Month transportation ..with 20 pounds or less u get unlimited data with free calls and sms

martineverest:
A lot of apartments are shared in uk so as to cut costs......

Yeah but family man can't share apartments. With 2 kids and wife haba

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 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

you just wan trend.

Depending on your visa oga and the kinda of job you do.

You guys are always fixated on the expenses. If abroad tire you, go back to Nigeria...

tensazangetsu20:


Honestly if a Nigerian can’t make it in the uk where English is spoken and black man has levels then they are better off returning to Nigeria and staying forever.

You are not experienced. People like you usually don't make it. and you tend to involve in illegal stuff

I currently leave in and I pay 600 euro for my single room with my kitchen and private toilet. The rent includes ...

Water
WiFi
Electricity
Cooking Electric Machine
Garbage bill.

Working full time, you can take 2200 or higher after tax and medical insurance. My transportation ticket of 49 euro monthly is paid by my company.
If after rent, feeding and family you could save 1000 euro , I believe you are good.
If you still want more, you have to work more hours. More people get far more than that here it depend on ur skull and working hours.

tensazangetsu20:
Skill issue bros. This one is only peculiar to you o😂😂

fullclub:


Yeah but family man can't share apartments. With 2 kids and wife haba

the wife will also be working too

I will have 30mike n I will still wanna japa


Am i mad?


Just imagine that u buy 10 korope then rent a shop at a bustop where the korope must


Oooo my God God punish japa


Or buy red oil from SW or SE to d north and when u r coming back buy Cows or beans in boku


Na inside shit money de for Naija but everybody want white kola job meanwhile na shit work they wanna go do for dt japa

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 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

Dele, please, try to SAVE 50m Nigeria value and relocate back to Nigeria to start something then I will believe that, you are not there fore the easy life with full comfort.

Not everyone in abroad have friends that they send money to. So please save up 50m Nigeria value and relocate pls.

Tinubu is trying the make it impossible with the way different kind of tax is springing up now.

Quelme:
you just wan trend.

Depending on your visa oga and the kinda of job you do.

You guys are always fixated on the expenses. If abroad tire you, go back to Nigeria...

even with minimum wage,such expenses is exaggerated

The comment section is always getting filled up quickly Whenever it's Japa topic. Thank God person no read this kind scary epistle when planning to jet out of that country, because na this kind they scare people 😳, but at thesame time it helps us to rethink and research about the countries before making final decision on where to settle.

This is MINIMUM wage income!!

Bro is living fine on the barest minimum. They even have savings from the wife's minimum income too.


You can definitely earn more than the minimum!

fullclub:


Manager of leberal has spoken. Come n give me me 2 leberal sim for 45 pounds per month i will buy.
I should get a broadband and if am off to work i will browse with what or of am on transit and want to locate somewhere with map or i want to browse?

This ur economic sense no follow

Your lack of openness to learning and continuous nagging is what is limiting your growth in the country, no offense intended. I noticed it from your first thread and its not surprising this is how you find the country.

It makes very little sense for someone on your income level to spend so much on calls/data. Ask around.

What the hell do you do with data while you are away from home that consumes 10-15 gig a month. Also, most places in the UK have guest wifi, be it trains, buses, workplaces...why will you then spend £45 a month when you can do 2 sims for £12 and have a broadband at home for unlimited data.

The UK mortgage thread is one if the very active threads in the travel section. Go and read through and you will realise many people there bought their first house in the country within 2-3 years there. They didnt do that on £11 per hour job and they are not a small privileged minority as you are fond of suggesting, else the thread will not be so active.

https://nairaland.unblockandhide.com/7534564/living-uk-propertymortgage-related/65

Also, if you think paying rent is better than paying a mortgage, your ignorance is deeper than I initial though.

The fact that according to you, working minimum wage job, doing basic hours and your wife working minimal hours and minimum wage job, you can still afford to send £150 (N300k) monthly, save £100 from your end and £700 from your wife (about N1.6M) monthly, you cannot sense there is a big window of opportunity in the country to thrive which nigeria would not afford you, you clearly are the problem, not the country