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

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
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[@tobi-obawilson]

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.

[@ogomsseries]

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

[@ifechifamily]

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]

Thank you so much ma’am

[@maureenmupedzi7407]

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

[@melissamoyo4855]

Great content thanks Tochi

[@jessicawest224]

God bless you 🙏. Goals all the way 🙌

[@lawalhindatu7919]

Learned a lot so amazing, I'm interested.

[@sunnymedia1528]

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

[@amaaboagye7429]

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

[@Serenevods]

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

[@nanairoham]

I just love your honesty 👏 well done Tochi

[@rosykech]

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]

Thanks dear

[@estherelufowoju3166]

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]

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

[@estherelufowoju3166]

@@Pidlun UK

[@nseobongmishael]

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

[@Raetalkss]

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

[@petronellakatsande4047]

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

[@TochiEsther]

Thank you so much

[@usefultipstricksandhacks5803]

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

[@TochiEsther]

Exactly

[@donatusdikenikehiagwu1364]

Am so impressed with this video. Thanks

[@chilufyasaili263]

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

[@adaezeezemegbu8459]

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

[@olamuritala1416]

Helpful!

[@naslyne98]

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

[@TochiEsther]

Thank you so much

[@oluebubemuoneme]

Nice update babe

[@ejikenwadazie5886]

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

[@okeyoyinbbee]

Thanks for this tips

[@barristerjezzdo]

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]

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

[@proeditor4554]

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.

[@everymomshub-withdjabakie]

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

[@traindude3358]

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.

[@priscillachisankunta3548]

Wow am motivated with this video

[@persianmusic7771]

Wow 115k🤝👍

[@kelechiokoro-williams7334]

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

[@yumyumfoodsindiaspora]

Yes, bring him

[@victoriabola1609]

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

[@karthickkn9398]

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

[@TochiEsther]

Alright, I’ll do that

[@karthickkn9398]

@@TochiEsther thanks. Looking forward to it.

[@olubukunolamafikuyomi1620]

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

[@confidenceokechukwu8805]

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

[@ihuomaanthony-nwajei9295]

😄😄😄😄😄😄 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]

Aww, we are plenty on this table then🤣🤣

[@ramakrishnaravi1623]

Thanks

[@rachaeljohn9449]

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

[@ayoolaoladosu8473]

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

[@TochiEsther]

Just a regular jug and filter from Asda

[@devineolubakin3091]

Yes I want this oh

[@adukeresources3990]

@tochi esther I'm interested in the stock investment video. Please do it. Thanks

[@vanessasamuelsbrown891]

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?

[@cynthiaadhiambo5216]

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

[@peterwachira4422]

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

[@TochiEsther]

I think so

[@peterwachira4422]

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

[@julietanasi4361]

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]

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

[@BlessingOnyeani]

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]

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

[@agapeemekachiemenem5421]

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

[@wumiadebowale2077]

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

[@evee1770]

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

[@TochiEsther]

I got it from ASDA for about £12

[@mariaelenagarciagroves2364]

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

[@stephanieamarapatman7232]

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

[@TochiEsther]

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

[@tosinakinade2244]

What type of job were you doing then please?

[@abbeymichael6809]

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

[@joshuaolanrewaju59]

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

[@fideliaumezurike8896]

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]

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.

[@maureenobazee8645]

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]

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

[@anietieudo5993]

Pick the family to UK after one year?

[@chikaadeoye5857]

Am interested

[@angelajohn1327]

No link for coaching program

[@anietieudo5993]

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]

I think so . Nothing is impossible

[@jesusislord6495]

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

[@joykorshiwor699]

We are interested

[@sodimutemitope1601]

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

[@twenty2183]

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.

[@muibatimam2726]

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

[@olubunmioluwaleye2160]

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]

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

[@emmanuelamanyi4224]

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

[@BeingisdWord]

Of course! But how old are the kids?

[@Kawaii652]

NO

[@keziaheluwa1350]

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

[@peterolagunju]

Same here

[@ehirimtony8407]

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

[@gloryibekwe8662]

Tochi is true that they are not recruiting again

[@197876313]

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

[@tangacollins8640]

Can a student pay a house

[@ilovebighearts]

Yes

[@lilianuzoamaka618]

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

[@TochiEsther]

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

[@lilianuzoamaka618]

@@TochiEsther merci beaucoup

[@ladunnizikroh5619]

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]

@@Chinwe_ same here

[@dorathyagbo5396]

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 .

[@asterwelenichel51]

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

[@alfredvictor7158]

These Asian people and their English

[@asterwelenichel51]

I am not joining telegram ? Send agian sister

[@chukwudichieji5702]

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

[@ChySpace]

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]

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]

How do one start

[@pamelaernest6553]

@@adebankeade2526 Pls can you kindly explain this further?

[@helenihuoma5207]

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

[@Temmy171]

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

[@TochiEsther]

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

[@Temmy171]

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

[@rasaqoguntade]

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

[@255gmoney]

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??

[@ann.obrien5139]

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

[@jamesorior]

Sister Do not mislead people because of views on KZbin 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

[@akuchieanthonyobinna2226]

You could do it because you have a husband.

[@danythadan3425]

Do you have a telegram group?

[@ilovebighearts]

Yes she has

[@alexandranesiayali7468]

Please I need the telegram link

[@oluwadamilolajaiyeola1182]

Pls what is your telegram link

[@TochiEsther]

Please that was a scammer