How I Saved £20,000 In My First Year In The Uk, You Can Do It Too!

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How I Saved £20,000 In My First Year In The Uk, You Can Do It Too!
I share things I did to make this happen
Lemonade Finance is a mobile app for users in the UK & Canada to send money to Ghana, Kenya & Nigeria with zero fees.
It is fast, easy and very reliable. Since I discovered Lemonade Finance, The recipients gets the money instantly.
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5 окт 2024

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Комментарии : 128

@tobi-obawilson Год назад

You are right Tochi,”Discipline is the word”.Weldone.That is who I am,I don’t spend on things that aren’t necessary when I have a target.

@SereneMS Год назад

That’s the trick! Too many bills to pay here in the Uk still you must save and ignore some complain back home.

@estherelufowoju3166 Год назад

I agree it is doable but only if you discipline yourself like you said and from two incomes and a lot of cutting down. My experience was different I got here in my 20's so I never thought of savings then, but later in my adult life and with the grace of God I have a good job and my mechanism was to join what you call contribution/Ajo this has been going on over 5 years and no one has ever defaulted, I joned a 2nd group this year. In that way I have been able to have a lump sum which initially when I arrived in the UK thought was impossible. You did well considering the fact that you guys did it in 1 year. Kudos👏

@Pidlun Год назад

Is your ajo group in UK or Nigeria? I am interested

@estherelufowoju3166 Год назад

@@Pidlun UK

@nseobongmishael 4 месяца назад

If you are saving for your first house, kindly stop ajo. You may not be able to use it to get a house.

@usefultipstricksandhacks5803 Год назад

Good point, you are speaking my language. It took me 8 years to understand these. The earlier you start, the better.

@TochiEsther Год назад

Exactly

@ifechifamily Год назад

Great information Tochi. I love the tips and how real and transparent you are especially in this video. I really need to learn that aspect of saying NO because I find it hard to do so.

@TochiEsther Год назад

Thank you so much ma’am

@ogomsseries Год назад

One word here is discipline👌👌👌know what you are targeting and set the goals.

@petronellakatsande4047 Год назад

Love you Tochi.... Thank you for informative videos... From Zimbabwe

@TochiEsther Год назад

Thank you so much

@rosykech Год назад

Really impressive.👌 cutting down on expenses is a must if one wants to achieve some things in life. Discipline helps a lot too. Weldone👌👌

@TochiEsther Год назад

Thanks dear

@traindude3358 Год назад

Your testimony motivated me, am about leaving for the Uk soon as I have gotten my visa. Your testimony has helped to give me focus and direction. Thanks for all that you do and may the lord give you more wisdom. When the need arises I will like to ask you a question.

@ihuomaanthony-nwajei9295 Год назад

😄😄😄😄😄😄 she said she sends a particular money on her saving account and in her head that money does not exist, this one really cracked me cos I thought am d only one on this table with this type of mind set. Love dear!

@TochiEsther Год назад

Aww, we are plenty on this table then🤣🤣

@ejikenwadazie5886 Год назад

Toch, what city are you leaving, and how communal is it? Your teaching on finance is amazingly great. Thanks so much for this

@joshuaolanrewaju59 5 месяцев назад

I thought you saved the £20,000 alone. E shock me say one person saved £20,000 within her first year for UK

@proeditor4554 Год назад

Thank you so much Tochi. I'm very interested in you making the video for investments in stocks and crypto and how it contributed in you making up the deposit for the house.

@naslyne98 Год назад

I love this woman, ma'am you are one of a kind

@TochiEsther Год назад

Thank you so much

@sunnymedia1528 Год назад

Wow, thanks for sharing madam. Great one.🎉🎉🎉🎉🎉

@nanairoham Год назад

I just love your honesty 👏 well done Tochi

@lawalhindatu7919 Год назад

Learned a lot so amazing, I'm interested.

@maureenmupedzi7407 Год назад

Very impressive, well done. Thank you so much for sharing.

@Raetalkss Год назад

Well done sis this is huge! I cannot wait to watch this. Well done! I hope the family members don't start calling lool.

@chilufyasaili263 Год назад

Wow! You two are soo disciplined money wise...

@melissamoyo4855 Год назад

Great content thanks Tochi

@barristerjezzdo Год назад

I love this. Great job! Sounds like some of our financial advisers when advising us how to cut down on expenses and spend below our income.😊😊😊. Please oblige us with the type of jug and filter you bought. Many people will need that information. It'll be highly appreciated also if you can get your hubby to tell us about buying stocks and crypto in UK.

@TochiEsther Год назад

I will surely bring him. It was just a regular jug from Asda that I bought for £8 or £12 can’t really remember

@jessicawest224 Год назад

God bless you 🙏. Goals all the way 🙌

@adaezeezemegbu8459 Год назад

Awesome video Tochi😎☺️ Please I'm interested in hearing from your husband on the investments you both did.

@everymomshub-withdjabakie Год назад

Thanks for sharing. This video is very informative. Goal setting is a must

@amaaboagye7429 Год назад

Thanks for this video. Always learn so much from you.

@karthickkn9398 Год назад

Great work Tochi.Thanks for explaining in detail. Can you explain more about the investment which would be very useful.

@TochiEsther Год назад

Alright, I’ll do that

@karthickkn9398 Год назад

@@TochiEsther thanks. Looking forward to it.

@jamesorior Год назад

Sister Do not mislead people because of views on RU-vid You said you were on a dependent visa and only work 2 days per week because of child care You said you started saving £20 per week this gives you £80 per month You then you increased it from £20, to £30, £40, to £100 per week so let’s say you save £100 per week this makes £400 per month Now tell us how much you got as salary for your 2 days per week job 😂 that after expenses you were able to save £400 per month £100 x 52 weeks = £5,200 Since you did not start with £100 just as you said some week £20, some weeks £40. You can’t have £5,200 However, let’s say you were actually saving exactly £100 that’s still just £5,200 Let’s assume your husband did the same too that is £10,400 There is no way you can have left over income of £5,200 in a year on your 2 days per week job in the UK even 5 days Stop the lie it is misleading and will only make some people do despicable things when they come to the UK

@donatusdikenikehiagwu1364 Год назад

Am so impressed with this video. Thanks

@julietanasi4361 Год назад

That Black tax situation is another thing I tell you, the 1st year i left…every Tom, dick and harry came with their request. I almost exhausted all my savings in Naira cos I was being super nice. After some time I had to wise up, I even stopped sending bulk money to my naira account, the only money I started sending home was basically only for my mum. Once anybody asks me for money, I’ll just screenshot my account balance and send to the person and they’ll be shocked, but it helped me wella😂😂😂

@TochiEsther Год назад

Story of my life my dear but I’m glad we realised on time.

@BlessingOnyeani Год назад

For now it's only my parent that I will send money to but after graduation and everything don set small, I will reason other people

@adetayoshitta2129 Год назад

I think I'll have to adopt this too....

@agapeemekachiemenem5421 Год назад

Exactly. I took stock of my expenses and bulk goes out to people that are not even family...

@olubunmioluwaleye2160 Год назад

Tochi, with this video the Nigerians think that's how everyone in the UK save money and they won't believe you that you don't have money when they begged. Tochi is a lawyer and nobody knows how her husband is financially buoyant... If you're building projects or giving dependants money back home, you can't save such money and still buy mortgage within 1 year and 2 years . I am not saying it's not possible but, financial obligations are different, jobs are different and profession are not same. Some are on low paid jobs... Discipline is the key but, don't over stretched yourself.

@TochiEsther Год назад

Olubunmi, I shared my experience not every Nigerians experience or expectation. The video is obviously titled ‘HOW I SAVED MONEY..’ this is to encourage people that everyone you set your mind to do is possible and not in any way to show off. Thank you

@olamuritala1416 Год назад

Helpful!

@olubukunolamafikuyomi1620 4 месяца назад

Thank you Tochi. I really appreciate all that you share. Please I'm interested in learning the type ISA account I can save money with and what kind of investment I can make

@persianmusic7771 Год назад

Wow 115k🤝👍

@twenty2183 Год назад

What’s your job title? It’s doable on a high salary. On minimum wage after bills, groceries, transport you are left with next to nothing.

@yumyumfoodsindiaspora Год назад

Yes, bring him

@oluebubemuoneme Год назад

Nice update babe

@emmanuelamanyi4224 Год назад

Please ma'am can a single mom with two kids cope in the UK as a health care assistant?

@BeingisdWord Год назад

Of course! But how old are the kids?

@Kawaii652 11 месяцев назад

@okeyoyinbbee 8 месяцев назад

Thanks for this tips

@victoriabola1609 Год назад

Thanks for the enlightenment. Pls do video on the crypto and shares you mentioned in the videos

@confidenceokechukwu8805 Год назад

Please can you do a video on other investment u do , thanks

@kelechiokoro-williams7334 Год назад

I am interested in you and your hubby tell us how you did it. Great job Tochi.

@keziaheluwa1350 Год назад

I've learned a lot! Please can you bring your husband to share how u invested your money. Am interested in that too.

@peterolagunju Год назад

Same here

@maureenobazee8645 Год назад

How is possible for you get your loan to secure a mortgage when you are here on student visa. What was job did you get within 3 arrival expect if not an agency job. Pls let us to be more realistic of things that can really be done here.

@TochiEsther Год назад

Maureen I am not in the Uk on a student visa, I wonder where you got that from. Anyways, I suggest you watch more of my house videos for better understanding

@evee1770 7 месяцев назад

Hi tochie can you tell me the jug and filter you bought, trying to find one but not getting it. Thanks

@TochiEsther 7 месяцев назад

I got it from ASDA for about £12

@ayoolaoladosu8473 Год назад

Hello Tochi, thanks for this video, please what type of water filter did you buy, you can mention the name, thank you

@TochiEsther Год назад

Just a regular jug and filter from Asda

@wumiadebowale2077 Год назад

Thank you dear sister you have been a great encourage . Pls do bring your husband and pls I need your help am in UK I need a job that can give visa sponsorship pls I can relocate to anywhere. Thank you

@tosinakinade2244 Год назад

What type of job were you doing then please?

@priscillachisankunta Год назад

Wow am motivated with this video

@rachaeljohn9449 Год назад

Thank you Tochi for this and all other videos. I am interested to also hear your hubby speak. Best regards

@stephanieamarapatman7232 Год назад

Please 🙏, I'd love to know how you were able to buy a house without an ILR

@TochiEsther Год назад

Kindly check the playlist on buying a house for the details. Everything you need to know is there

@anietieudo5993 Год назад

Tochi,you haven't answered my questions....can student with family size of five come to UK and be able to pick up after one year?

@TochiEsther Год назад

I think so . Nothing is impossible

@jesusislord6495 Год назад

If one of you comes with the right to work full time a week, yes, also the age of the children really matters because child care is very costly

@peterwachira4422 Год назад

Hi To hi. You are inspiring and honest. Can one get a teaching job without an agency here in Kenya

@TochiEsther Год назад

I think so

@peterwachira4422 Год назад

Thank you Tochi for your reply. I request you guide me on how to go about it.

@vanessasamuelsbrown891 9 месяцев назад

Tochi, please clarify for the moneybox, is it both the deposit and additionally weekly deposit that bishop going in to the same account or ISA weekly deposit goes to ISA and the additionally deposit goes into another savings acc that I have?

@mariaelenagarciagroves2364 Год назад

Hi , in what citie do you live ? It’s affordable there ? Can you make a video about it please

@devineolubakin3091 10 месяцев назад

Yes I want this oh

@ehirimtony8407 Год назад

Please I'm interested in the stock and crypto session with your husband and how to setup accounts...thank you

@ramakrishnaravi1623 6 месяцев назад

Thanks

@emilysem 2 месяца назад

Please can international students open a lifetime ISA account

@joykorshiwor699 Год назад

We are interested

@sodimutemitope1601 Год назад

I love the fact that you always say the fact all the time.. you are so blunt... your video always inspire me.. God bless you and family

@ladunnizikroh5619 Год назад

It’s how people just come with different billing and stories that worsens it all. The moment u are abroad the Billings keeps coming with stories, they don’t want to know what u are going thru here before getting d money

@alfredvictor7158 Год назад

@@Chinwe_ same here

@cynthiaadhiambo5216 Год назад

Talking of saving. Is it advisable to join pension scheme if you are an immigrant?

@gloryibekwe8662 Год назад

Tochi is true that they are not recruiting again

@fideliaumezurike8896 Год назад

What kind of job do you do , we re coming to the uk soon and am a mum of two , I am really interested in the 20 hrs per week job too because of child care

@Kawaii652 11 месяцев назад

If you're single parent you're expected to work 30+hours a week. Wages are very low so unless you're in a high flying job you will only afford to survive.

@197876313 Год назад

Thanks for the video Tochi. Please what is the alternative to Lifetime ISA account. It is for people under 40 years. I am 44 year old. What opportunities do I have

@255gmoney 10 месяцев назад

Wow you need to be saving well over 1500 pounds a month to hit that target of 20k, iam a little sceptical about you saving all that... Personally I've managed to save almost 12k in 1 year 8 months and I've been very fungal. Sorry but I'd be very interested to see how on God's green earth you managed that, with P. A. Y. E and N.I and pension on someone's neck every month plus rent??

@asterwelenichel51 Год назад

I am live in Qatar how to apply UK visa job ? Please if you know Agencies in Qatar told dear ?

@alfredvictor7158 Год назад

These Asian people and their English

@asterwelenichel51 Год назад

I am not joining telegram ? Send agian sister

@anietieudo5993 Год назад

Pick the family to UK after one year?

@abbeymichael6809 Год назад

Please how can I join your telegram channel ma.? Is there a link to it?

@ann.obrien5139 4 месяца назад

This means nothing to people who don’t earn high income and you must be a high earner with your husband .

@chukwudichieji5702 Год назад

That was a whole lot of money. You must be a prudent wife material.

@lilianuzoamaka618 Год назад

Please like how much can someone buy a house in the uk

@TochiEsther Год назад

It depends on where you live and the type of house involved. From £200k up

@lilianuzoamaka618 Год назад

@@TochiEsther merci beaucoup

@angelajohn1327 Год назад

No link for coaching program

@tangacollins8640 Год назад

Can a student pay a house

@ilovebighearts Год назад

Yes

@helenihuoma5207 Год назад

that archive account helped me save over 5m in Nigeria as a small income earner.hmm

@dorathyagbo5396 Год назад

THANK You Tochi . You are so amazing. Please I need your help. I need an app to use and call employee. Please recommend one for me .

@chikaadeoye5857 Год назад

Am interested

@Temmy171 Год назад

Why is lemonade finding it difficult to credit one's account for the past few days?

@TochiEsther Год назад

So sorry about that. Kindly send me the details of your transaction via Instagram dm or email if you don’t mind

@Temmy171 Год назад

I appreciate ur kind gesture, will do just that now. Thank u

@rasaqoguntade Год назад

Pls kindly do a video on the investment. It will be of great benefit to me and my wife

@ChySpace Год назад

What happens if one started saving on lifetime ISA from this month and wasn't able to save up to 4k by April next year? Will the money disappear? Its better having this ISA account with one's current bank or Moneybox?

@adebankeade2526 Год назад

It's better to save with your bank. And to answer your second question. If you are able to save £2000, you get £500. If you save £1000, you get £250. Hope I've answered your questions

@rober3717 Год назад

How do one start

@pamelaernest6553 Год назад

@@adebankeade2526 Pls can you kindly explain this further?

@muibatimam2726 Год назад

hello Tochi, please is there another option for payment to join your community? i have tried using card but it wasnt going. kindly suggest other method. thank you