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.

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

@TochiEsther

Жыл бұрын

Exactly

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

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

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

Жыл бұрын

Thank you so much ma’am

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

@TochiEsther

Жыл бұрын

Thank you so much

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

Жыл бұрын

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

@estherelufowoju3166

Жыл бұрын

@@Pidlun UK

@nseobongmishael

2 ай бұрын

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

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

Жыл бұрын

Thanks dear

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

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.

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

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.

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

@TochiEsther

Жыл бұрын

Thank you so much

Learned a lot so amazing, I'm interested.

Great content thanks Tochi

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

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

😄😄😄😄😄😄 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

Жыл бұрын

Aww, we are plenty on this table then🤣🤣

I just love your honesty 👏 well done Tochi

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

God bless you 🙏. Goals all the way 🙌

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

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

Жыл бұрын

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

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

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

Helpful!

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

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

Жыл бұрын

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

@BlessingOnyeani

Жыл бұрын

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

Жыл бұрын

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

@agapeemekachiemenem5421

Жыл бұрын

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

Am so impressed with this video. Thanks

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

@TochiEsther

Жыл бұрын

Alright, I’ll do that

@karthickkn9398

Жыл бұрын

@@TochiEsther thanks. Looking forward to it.

Thanks for this tips

Yes, bring him

Wow 115k🤝👍

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

Nice update babe

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

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

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

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

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

@BeingisdWord

Жыл бұрын

Of course! But how old are the kids?

@Kawaii652

9 ай бұрын

NO

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

@TochiEsther

5 ай бұрын

I got it from ASDA for about £12

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

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

@TochiEsther

Жыл бұрын

Just a regular jug and filter from Asda

Wow am motivated with this video

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.

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

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

Жыл бұрын

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

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

@peterolagunju

Жыл бұрын

Same here

Thanks

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

@TochiEsther

Жыл бұрын

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

Please can international students open a lifetime ISA account

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?

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

@TochiEsther

Жыл бұрын

I think so

@peterwachira4422

Жыл бұрын

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

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

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

Жыл бұрын

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

What type of job were you doing then please?

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

Yes I want this oh

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

We are interested

@sodimutemitope1601

Жыл бұрын

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

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

Жыл бұрын

I think so . Nothing is impossible

@jesusislord6495

Жыл бұрын

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

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 .

Tochi is true that they are not recruiting again

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

Жыл бұрын

@@Chinwe_ same here

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

Am interested

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

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

9 ай бұрын

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.

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

Pick the family to UK after one year?

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

@TochiEsther

Жыл бұрын

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

@lilianuzoamaka618

Жыл бұрын

@@TochiEsther merci beaucoup

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

@alfredvictor7158

Жыл бұрын

These Asian people and their English

@asterwelenichel51

Жыл бұрын

I am not joining telegram ? Send agian sister

No link for coaching program

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

Sister Do not mislead people because of views on KZread 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

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

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

Can a student pay a house

@ilovebighearts

Жыл бұрын

Yes

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

@TochiEsther

Жыл бұрын

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

@Temmy171

Жыл бұрын

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

@rasaqoguntade

Жыл бұрын

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

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??

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

Жыл бұрын

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

Жыл бұрын

How do one start

@pamelaernest6553

Жыл бұрын

@@adebankeade2526 Pls can you kindly explain this further?

You could do it because you have a husband.

Do you have a telegram group?

@ilovebighearts

Жыл бұрын

Yes she has

Please I need the telegram link

Pls what is your telegram link

@TochiEsther

Жыл бұрын

Please that was a scammer