The Real Reason Migrants In UK Live Paycheck to Paycheck - Avoid These 7 Money Mistakes!

[@ChideraPeters]

Hi fam, here's the detailed video on everything you need to know about saving for your first house in the UK with a Lifetime ISA kzbin.info/www/bejne/sJzPo2eLrZKoY7s

[@relocationtips4]

I create content on Passive income we can collaborate

[@adenikeorelaja827]

Pls which High Yield Savings do u use that gives you over £100 monthly pls… kindly help us drop the link pls. I want to believe this is different from ISA… pls correct me if am wrong. Thank you. Hope to hear from u.

[@UgochiOkoronkwo]

I have a plum account but my question is how can I save monthly instead of their weekly debit in place

[@Raetalkss]

We need to remember several Black African give a lot of remittance back home. They are also more likely to invest in Africa in the UK. One thing that these stats do not factor in enough, is the start is different. Black African are more likely to work low income jobs compare to others. People tend to opt for low income jobs as they are easier to get. However, I know in the next 7- 15 years these stats will change drastically because people are waking up. Knowledge is power, many Africans in the West do not readily access the correct information. But when they do, they thrive more than some of the natives.

[@ChideraPeters]

I agree 🙌🏽

[@Soton-E]

… Well worth bearing in mind that we are NOT comparing like for like…For example many ‘native white English people’ get a huge helping hand from parents and/or grandparents to launch into adulthood eg first car, marriage expenses paid for, contribution made towards their first home deposit - to name but a few…. But Black Africans of the second generation England are steadily providing these leg-ups to their children… 🌻

[@2ru2pacFan]

You can put Asians in that same category with the blacks too.

[@irene4770]

Excellent analysis ❤

[@YouAreJel]

​@@Soton-EI am Indian which i believe has the highest wealth per household of the groups and what you said is true and is actually essential. Helping your family is essential whether that be helping your children study and learn and instilling discipline and curiosity in them at an early age, to helping them with their first home deposit or with career guidance. Even other things such as focusing on your relationship so that the children have a stable family and focusing on your own pensions and savings+ health so that they don't have to look after you in your old age. All these things help set them up for success and it is such a wonderful thing to help the next generation and see them flourish.

[@mantseakai]

1. Being too dependent on credit 2. Not building wealth in the UK 3. Not having an emergency fund 4. Not having passive income strategy 5. Not investing 6. Not planning for retirement 7. Lack of financial planning 8. Black tax

[@fastfinger5479]

Thank you. Good points. And I will like to add that. Visa fees, ihs fees, ILR fees, passport application fees when you get to that point all contribute to keeping you poor. You are hardly able to save but expected to pay thousands of pounds for visa renewals, ihs, ilr and passport.As long as you are not settled yet, it's going to be hard to keep any money.

[@abdulidi733]

Chai this info na ginger!

[@princepaajcy8370]

@@abdulidi733Lol😂😂😂..they don’t know

[@JosephKanu-w2b]

I would like to join one of you classes on making money online please..

[@wazuriiicreations7390]

@@fastfinger5479 that whole process itself is an investment.

[@dayko1329]

Giving all your time and resources to the church! That is a migrant problem if you ask me

[@nathalielady2592]

Excellent video! At least 2000 pounds to start with the 1st month. Life is expensive. At least 3 months savings will bring you a sense of security (not panicking if you loose your job), 6 months will bring you peace of mind, you will sleep better. Put that money aside and forget you have it, until you have a major personal emergency.

[@carolineojo]

Yes please. Make a video on Plum and other savings medium. Also wealth creations medium for passive income

[@GloriaQuansah]

First off video quality!!💯and you’re looking good!! Solid advice! Thank you for your content always!

[@ChideraPeters]

Aww, I appreciate that! Thanks for watching ♥️

[@Barshep]

Interesting take here. Interested in the passive income strategies you currently personally use successfully (not just ideas) especially for professionals with a full time 9-5.

[@ngnessa1734]

Yes please make a video on all the passive income ideas one can go into

[@chideramadukwe1267]

I agree, the majority of us send money home. We tend to prioritise others at home. Unfortunately, a lot of us end up in jobs that we are over qualified for for too long, which then limits the income we have available to build wealth.

[@ChideraPeters]

Facts 🙌🏽

[@henryo2596]

Well said! Very apt

[@sunny-xu6vz]

The frequency and method of sending money home are personal decisions. You have the option to make sacrifices. You dont hurt yourself helping others. More blessed to give!

[@Nonye_oj]

Great vid! Just to add, even if you go back to Nigeria you can still claim your pensions. Also remember to consolidate your pension pots. If the fine prints are exhausting for you to read, call your pension operators and ask questions. Ask for the conversation to be sent to you via email. Hope it helps!

[@priscadike7078]

What do you mean by consolidating the pension pots???

[@MrNkyphil]

Just followed. many thanks for the video. please can you do a video on passive income.

[@anthonyuzum]

Well done Chidera 👏🏾👏🏾 for making this video. I’ve forwarded this to my friend groups because I tell them all the time about Pensions & investing but most don’t listen. Please keep it going and let’s inspire more people to become financially savvy.

[@ChideraPeters]

Thanks for sharing with your circle ♥️🙏🏽

[@rodgers3215]

Another contribution to poverty in black African is too much dependant on them by their families back home.

[@minaeregoba4649]

Thank you Childera. Very helpful tips❤. God bless you

[@onomeakpovi7360]

Thank you for the video! Could we also get one covering the different side hustles we can do, please.

[@MariamIdris-m9d]

Awww Chidera you are really doing so well. Thanks always for your detailed and honest contents. Love you a lot.❤

[@delphineetame6540]

Very teaching video. I wish you talk more on plum cash ISA.

[@TemiladeSoyoye]

great advice, the only concern i have with side hustle e.g. youtube , selling, etc is the visa restrictions on it for skilled worker visa, thats why the passive income and high yield one you mentioned seems like the safest bet for now

[@ChideraPeters]

Aha makes sense

[@Ayomikunoyedokun]

Thank you Chidera found a lot of value, your video really did justice to your title. Thanks

[@ChideraPeters]

Glad to hear that!

[@tas655]

Thank you for this. I need to caution myself and start saving

[@ogunkayodeoluwatosinstephe5112]

You have just won yourself a new subscriber....Great content! Thanks for enlightenment

[@lucybe6517]

Thanks, PETER'S I NEVER GET THIS FANANCIAL ADVICE, BUT U MADE IT SO EASY FOR ME TODAY AND I HAD TO SUBSCRIBED THANKS A LOT. ❤❤

[@ChideraPeters]

Awwww glad to hear this! And you’re most welcome ♥️♥️

[@Nonye_oj]

If you think you have been procrastinating setting up a money tracker, download your statement. Print it if you can, when you see the fubds flowing through you. You'd decide if you need to get your act together.

[@elizabethkenneth4425]

Yes i need to know more about lifetime ISA

[@middlechamber3574]

I really enjoyed your video. I am not a migrant (but then again), however, your advice is relatable to my own life and is universal. Keep hustling.

[@ChideraPeters]

Aww thanks for this kind comment ✨♥️♥️

[@elizabethkenneth4425]

This video is just what i need right now

[@the_network_analyst]

Can you please tell us more on side hustles, please?

[@NuellaIbrahim]

I just boomed on your page and i must say God brought me here. Started with money mistake you should avoid and had to subscribe. Thanks for this. Please i want the ISA video and Passive income. Thanks

[@ChideraPeters]

So great to have you here! Welcome and yes I’ll shoot the videos ✨✨♥️

[@ChideraPeters]

Hi, here's the video on Lifetime ISA kzbin.info/www/bejne/sJzPo2eLrZKoY7s

[@tdot4952]

Very useful ❤

[@jacobomar2707]

Many of us Africans constantly send money back home to build houses we may never live in. Meanwhile, we live with our families in small, cramped council housing, often wondering why our children are struggling, getting involved in crime, or ending up in the prison system.

[@homodeus8713]

Black Africans need to stop sending money home and start investing. What’s the difference between migrants, immigrants and expatriates?

[@Adefeminist]

This is super helpful 🙏🏾

[@glorianyanka3]

Found value in this video definitely 👌

[@igbinx]

Thanks for the knowledge ❤🎉

[@Mimisafricantales]

Hi Childers, High yield savings account and ISA’s

[@uzioms]

This is advice everyone needs.

[@segunshegzy2045]

Thanks, would love to see the video. This is really educative.

[@sideancg6312]

Black tax is my main reason, but I'm standing firm now.

[@YouAreJel]

What does this mean?

[@RealDilemmasPodcast]

Pls we’ll need a video on passive income strategies

[@yvonnenamwila6731]

I really appreciate your videos. Profound and educative. Thank you

[@toyinadams1517]

Good evening can you possibly do a passive income video please . This video was really helpful

[@zorydirwai8661]

What is the high yield savings account you’re using?

[@Urbanchicaful]

Please do a video on top high yield savings accounts to use

[@tafadzwamaruta1966]

True i am also interested in this

[@oziomaezekwe6181]

Please DO A VIDEO ON PASSIVE INCOME IDEAS😊

[@daisywiththeview]

Pls what part of the UK are you based? We honestly need a meet and “pour your knowledge live and direct” kinda meeting 😅

[@946daniellem]

Yes, please help us to save. Tell us how to do these accounts and everything.

[@ogorchukwujenniferikhaobom674]

Thanks, please video on passive income

[@xOxLxLxIxEx1]

Hello Chider! I only came across your video this morning and honestly! It’s like you are speaking to my soul!! This is my second video of yours I have watched this morning.. please I am interested in ideas for passive income! There lots of fake once’s out there but what would you recommend and trust. The 6 must have account is so factual! Guys please listen to her please 🙏🏾

[@nguyimanmonte]

Hi Chidera, Thanks for your videos. Very insightful and yeah, I have implemented all savings plans you’ve talked about from just watching your videos for 3 days. Subscribed here and Instagram. God bless you.

[@ChideraPeters]

Awww so good to have you here and thank you! ♥️♥️

[@StephanieMoran-hq4dz]

I fully INTEND and resolve to scrape by in life. I couldn't give a flying fig about being the big business owner or entrepreneur. Jeaus is already my abundant treasure.

[@NebedumNgozi]

Chi, thanks for your videos. It is always educative, great lessons, but in lifetime ISA, you said it has an age limit. For people like us who are above 50s, what is the best platform to invest in . Thanks ❤

[@ojeihblessing7650]

Thank you for the video chidera . Please can you thank about passive income In the UK as well as

[@ojeihblessing7650]

Talk

[@ibukunoluwayussuf162]

Thank you Chidera for your constant ideas. I would not mind getting a comprehensive video on Life ISA and passive income ideas.

[@carltondouglaskasirye5633]

You wouldn’t mind?😂

[@ChideraPeters]

Hi, here's the video on Lifetime ISA kzbin.info/www/bejne/sJzPo2eLrZKoY7s

[@blessings_o]

Thank you More on the housing for life isa saving you want to mention Also the pension if we have in many places how do we get it joint Also the side hustle jobs you want to mention please Thank you chidera Blessings to you

[@ChideraPeters]

Hi, here's the video on Lifetime ISA kzbin.info/www/bejne/sJzPo2eLrZKoY7s

[@blessings_o]

@@ChideraPeters thank you Chidera ❤️

[@ibkay9617]

Please make a video on passive income you can do 😅😅😅

[@Noone-v9v]

New subscriber. You are too good Chidera

[@youreincredible1648]

Yes please do a episode on making money online.

[@SamsonDamilolaOdunayo]

Good job you are doing Chidera. Please, kindly do the video on the ISA savings. Thanks.

[@ChideraPeters]

Thanks for watching. When you say ISA video, the one I meant was Lifetime ISA - is this what you’re referring to?

[@SamsonDamilolaOdunayo]

@@ChideraPeters Yes, lifetime ISA. Thanks.

[@ChideraPeters]

Hi, here's the video on Lifetime ISA kzbin.info/www/bejne/sJzPo2eLrZKoY7s

[@inno3912]

Thanks very much for your advice. You're young but full of wisdom. Is there anyway I can talk to you one on one? I always desire to have passive income.

[@oluwadaredeola1341]

Thank you 🙏🏻…can please make a video on passive income ideas and investment 🙏🏻

[@giftchukwuma6383]

Hi Chidera, thanks for this video, please what high yield savings account do you use? Please it’s important

[@berniceezra832]

Do a video on what poeple that cant do ISA do....like with the age bracket u cant do ISA.please thank you.....I am doing plum......already....Good work

[@chijiokeokoronkwo3667]

Great content Chidera. What HYSA pays that ROI of £100 every month? What is the percentage and how much would be put aside. I am a bit curious and interested please

[@monicaigbudu4505]

I just followed.

[@molegend2882]

What are the side hustles to venture in the UK please 🙏

[@igbinx]

Chidera you tried, let me subscribe ❤🎉

[@ngoziegbo7778]

Thanks so much for sharing ❤

[@michaelkolawole1557]

Hi chidera, thanks for the video. Please I would also appreciate it if you do a video on passive income ideas. God bless you.

[@ChideraPeters]

Noted

[@nyenbiogeh2006]

Thanks for this video, just timely!

[@ChideraPeters]

You're so welcome!

[@amarapaul756]

Like I have some money,how do I make use of it to gain interest 😊

[@05burky]

There is NOTHING like high yield savings account! If you wana save just save and don't stress about HYSA.

[@WoleDaniels]

😅😅😅😅😅

[@happinessonabolu3638]

Your knowledge of facts amaze me. Kudos ❤❤

[@ChideraPeters]

Thank you so much 😀

[@misskayem5709]

Pension consolidation works better if you are just starting. If you try to move all your pension into one pot, it will cost up to 25% of the total in each pot in fees. Not worth it.

[@ChideraPeters]

Really? 🤔 I’d look into this but thanks for highlighting

[@jermanLuga]

You could make AVC payments to your workplace pension up to £1m.

[@centemeks]

High interest account or not, if you're making £100/month on interest alone, you have a savings pot of close to £20k. You should probably move it to S&P 500 to do 12-15% per annum. 😂😂

[@YouAreJel]

@@centemeks this depends on if she requires that money in the next year or two. For example the deposit for your house or the savings for your wedding should not be in stocks as if the price of the market went down by 10% the day before you had to pay you would be screwed. However if they can hold it for 5years or more then it makes sense to have it in stocks/shares

[@nathalielady2592]

That is considered easily accessible emergency fund.

[@rosemondamanor4018]

Thank you ❤

[@ChideraPeters]

You're welcome 😊

[@aarononokoko9967]

Will be good to have a passive income video…

[@odudugloria5056]

Pls make a video on the Index saving

[@mudiaga123]

I have heard so many times of funnels I really want to know the practical process behind it l. Any guide?

[@savinggift158]

ISA comes with fees when you withdraw that can wipe out profit

[@ChideraPeters]

Lifetime ISA does not come with fees and there’s no ISA account that comes with fees.

[@Jaay2022]

First here❤

[@ChideraPeters]

Thanks for showing up! So glad to see you here ✨♥️♥️

[@faithuko1838]

Please can you talk more on high yield savings account

[@tessyshotkitchen]

Interesting content would you please talk about investment in the uk.

[@NursePeace-oi9yl]

Dera, I am really enjoying your money educational videos these days. Please can you make a video on the various side hustles /passive income ideas . Also talk about the specific high interest savings account you use.

[@ChideraPeters]

I’ll definitely do this and thanks for watching ♥️

[@sengembi4326]

Please make a video on lifetime ISA

[@ChideraPeters]

Hi, here's the video on Lifetime ISA kzbin.info/www/bejne/sJzPo2eLrZKoY7s

[@GboladeGold]

Pls make the side hustle. And pls what site did you use to get your job, I'm in Manchester

[@ikennaokoro7503]

This is the kind of woman I need o😅. Prudence is key...

[@chisomagatha-of3ob]

Vedio on passive income ways please

[@okanladelawal-adebowale1700]

Finding a worthwhile investment is my major challenge. I don't know to go about it as I am afraid of the digital investment invite that flood the Internet. Please help out on this. Thanks

[@akoredefolarinmary]

Thank you for this Please make a video on passive income

[@ChideraPeters]

Noted

[@mitchellbell-gam6002]

Advice on how to use ISA’s please

[@Jaay2022]

Nice topic. Do you mind making a video on interest-free investments?

[@ChideraPeters]

Oh not sure about that 🤔 coz if you don’t earn interest, will it still be an investment ? How will it make money

[@aribatisebolu1388]

Do you mean investments with no/little fees?

[@graceo2719]

I think the number one reason and very major is Africans sending money home to family and friends for stupid things. OK if your parents are old poor and not working

[@ladylissss]

Can you share how much you need to have in the HISA account to earn 100pounds every month?

[@nathalielady2592]

It all depend on the interest rate the bank is offering and the amount you put in. Right now the average interest rate is between 4% and 4.5%. If you put 30,000 pounds in your account and leave it there, you will have a minimum of 100 pounds extra per month, and the money will keep on growing.

[@RitaOnwudiwe]

Please, how can we consolidate pensions

[@changeA-o4i]

Migrants make the common mistake of putting most of their earned income into their main residence. Your home is a liability not an asset. Wealth is worked out by subtracting liability from asset which means zero for most people. Invest in assets that pay for your liabilities. Passive income is the key. Tax planning is key also. Treat tax advice as an investment. Invest with your family/friends (warm base) etc. "You are more than the sum of your parts".

[@olukunmiakinrinde8133]

Yes isa

[@ChideraPeters]

Hi, here's the video on Lifetime ISA kzbin.info/www/bejne/sJzPo2eLrZKoY7s

[@BODEOLUKOTUN]

How can I reach out to you apart from this platform

[@AdeAde-sr7bw]

Do a video on ISA

[@ChideraPeters]

Hi, here's the video on Lifetime ISA kzbin.info/www/bejne/sJzPo2eLrZKoY7s