I Learnt The Hard Way: Costly Mistakes I Made In The UK

[@MarylandCrafts]

Whether you use 10 agencies or 1. You will still end up paying the same tax. Because HMRC will still come for their money or they will change your tax code in order to collect the tax you owe.

[@ScholasticaUgboka]

True but your take home is higher at the end of the day if you split it up the way i said. Try and and see the difference. You could be taking home an extra £100 using this method

[@MarylandCrafts]

​@ScholasticaUgboka i know. Its like eating your food before paying for it. You will get a bill later from HMRC to pay the balance of the taxes you owe.

[@nefertitiriley2838]

Q

[@OLUCHUKWUCECILIAOKWESILIEZE]

Mind you,ISA account is specifically for buying houses and the house must not be more than £450,000. Think about how much houses are being sold currently in the UK. The funniest thing is that you can't change your mind and withdraw your money without being charged a huge amount ,they will take all the interests including your main money. Think about these factors before getting into your journey of ISA🎉

[@buchijakes3204]

You really addressed some "big elephants" in the room with this video. Thanks for the information packed in this video. Well done.

[@ScholasticaUgboka]

Thank you so much

[@lifewithinnie1578]

Great video 😃 I could relate well to these stories. 3years down and I'm just having the wake up call about some of my decisions

[@ScholasticaUgboka]

it's not too late to heed that call. 😊

[@Mobilemoney-m5]

Well said ma

[@TracyMutembedzi-v6z]

Hi my sister,,, your story teaching me today 🙌

[@ScholasticaUgboka]

❤️❤️ yes oo, that is the aim of all my videos

[@IreneBeautyy]

Please, get a full time job o. Never depend 100% on agencies because you’ll definitely get disappointed with “no shifts”. You can get a full time job and still suffice with agencies, once or twice a week. Agency gives cool money, but don’t be carried away o, shifts could be lacking at some point. Ps: all the points she made is on point. Limit your spendings and try to save/invest. Also, leverage on your skills as it will fetch you cool cash. All the best guys!

[@ScholasticaUgboka]

you are right, after a while it can get tiring to have to travel to different work places too. i'm doing agency now for a few reasons

[@Femimexican]

Very insightful and handy advice❤

[@ScholasticaUgboka]

Thank you ❤

[@lovedoctorernestgoodboymov5432]

I can't stop thanking you for all the courage and the advices God is good

[@ScholasticaUgboka]

Awwwn thank you so much 😊 God is indeed good

[@tosinariyo4837]

Good advice. Thank you. Can you kindly leave a link where you got your palm tree(the one behind you)?

[@ScholasticaUgboka]

Thanks. www.amazon.co.uk/CROSOFMI-Artificial-4-9Feet-Decoration-Housewarming/dp/B081MVBDZC

[@tosinariyo4837]

Thank you so much ❤​@@ScholasticaUgboka

[@janenwankwo9578]

This is really excellent 👌👌👌

[@ScholasticaUgboka]

Thanks a lot 😊

[@givenmulenga]

Great video, indeed. I am ashamed to know it today that I worked with you one night shift without realising it was you 🫵smart and hard-working girl. More grace, my dear.

[@ScholasticaUgboka]

Awwwnnn you are ok 😅, i'm not a celebrity 😃 just a normal everyday gal

[@givenmulenga]

I know ​@@ScholasticaUgboka

[@splendid9529]

Track her down😂, she is a keeper. My first time visiting this channel, and she's fun already

[@glory7886]

Great video, learnt alot

[@ScholasticaUgboka]

@@glory7886 Thanks a lot

[@ScholasticaUgboka]

@@glory7886 thanks a lot

[@patriciakasenge9927]

Smart girl moves, thank you for this information, we are all making these mistakes 😅

[@ScholasticaUgboka]

Absolutely!!

[@splendid9529]

U Sabi talk Shaa.. my cloth became my motivation to get slim

[@ScholasticaUgboka]

lol 😂 yes oo, those clothes are my motivation especially the ones i ordered from Nigeria. they are too expensive to be wasted. i must wear them

[@janetogwuche2417]

Great video …some of us can relate.

[@ScholasticaUgboka]

Thank you so much 🥰

[@adegbolaoluwawamiri3027]

Number 4, we are many in this group chat. I’m working on that now but it’s not easy 😂😂😂

[@ScholasticaUgboka]

😂😂😂 it is well, we have got this!

[@estheredidiongeno1523]

Your house is beautiful🥰

[@ScholasticaUgboka]

Thank you so much

[@elizabethduffour1340]

Nice video dear. You looking pretty as always

[@ScholasticaUgboka]

Awwwn thank you 🤩, see me blushing 🤪

[@jessicawest224]

It’s your floating berries for me 😂😂😂😂😂🤣🤣🤣🤣🤣

[@ScholasticaUgboka]

@@jessicawest224 lolz 😜 if you know, you know 😂

[@abahesther3994]

Your house is so beautiful and large! thought UK apartment are small. Thanks 4 the advice

[@ScholasticaUgboka]

Thank you ❤️, most of the apartments are small compared to houses in other countries but we got lucky with this one 😃

[@abahesther3994]

@@ScholasticaUgboka 🥰🥰🥰🥰🥰

[@peterkpanaki8523]

Houses are small for a reason that is scientifically important. If you did Physics in school you should know about the relationship between volume , pressure, energy and temperature with time . To cut a long story short, small houses are easy and quicker to heat up and get warm compared to larger ones. Almost every house that is large spend more on heating and don’t even get warm enough for comfort .

[@tendahrt3768]

I am guilty of mistake number 4

[@ScholasticaUgboka]

😂😂 we all are 😊

[@oluwatoyinakhiegbe5512]

how do one invest in properties in the uk

[@ScholasticaUgboka]

it's the same as buying a house but this time you won't buy like you want to live in it. you ll get it as a buy to let property instead. you can also get cheap houses on Auction and refurbish it then sell it at a higher price or you can buy a block of apartments in tourist areas like london and use them as Airbnb or student accommodation. investing in real estate is expensive but the benefits are worth it down the line

[@giftedgal3615]

Lovely video

[@ScholasticaUgboka]

Thanks 🤗

[@tyrayont]

I call it bargain hunting, I just want to look good. 😂😂😂😂😂

[@ScholasticaUgboka]

hahaha bargain hunting, i like that term.

[@modupeigbalajobi6895]

No its gari, aka, cassava flakes, i beg!

[@ScholasticaUgboka]

😂😂 yes ma/sir

[@chukwuebukaernest19]

Dry garri with no milk. Screams broke to me😅😊😅

[@ScholasticaUgboka]

Lolz very funny

[@obymary-ann6418]

Why would you add milk to garri?

[@Dede-b3q]

Give it a try ​@@obymary-ann6418

[@chukwuebukaernest19]

Why would you even think of drinking garri without milk?​@obymary-ann6418

[@obymary-ann6418]

@@chukwuebukaernest19 milk is foreign, garri is traditional food, I dunno what milk is looking for inside there oo

[@Rebeccakalasuwe]

Apt

[@onyiliciouskitchen]

I have learnt ooo Even.the.money I never see Lets connect guys

[@ScholasticaUgboka]

😂😂 the money is coming

[@Mobilemoney-m5]

Well said ma