The secret is not to max out the credit, of the 850, use like 350 and pay back on time.

@joyitohan

8 ай бұрын

Thank you ❤️

You just gained a new subscriber!! Your content is so relatable and relevant!

@joyitohan

8 ай бұрын

Thank you so much

Thanks for another educative vid Joy❤

@joyitohan

8 ай бұрын

Thanks for watching ❤️🤗

Joy, love you darling 💕 the background music is giving me joy mehnnn love it

@joyitohan

8 ай бұрын

Thank you 🤗

I hope seeing you in Leeds one day. I stay in Leeds as well

Lovely vlog❤️

@joyitohan

8 ай бұрын

Thank you 🤗❤️

The Asda brand evaporated milk even taste better. You should try it too🙂

@joyitohan

8 ай бұрын

Amazing 🙂 I’ll give it a try

interesting vlog as usual. 🥰

@joyitohan

8 ай бұрын

Thank you ❤️🤗

When shopping in the uk, you need to shop around because some items you can get them cheaper in other shops.

Interesting vlog as a always. I will use ur link to open a monzo account when I get to the UK by God's grace

@joyitohan

8 ай бұрын

Amen 🙏🏾 thank you 🤗

@yungtomzzy8108

8 ай бұрын

@@joyitohanI used her link already but monzo did not offer me an account😪. I have emailed their customer service, I hope they reply soon

Its the glow for me

@joyitohan

8 ай бұрын

Thank you 🤗❤️

When you buy vegetable oil, why dont you go for the 4L than buying the 1L one?

Aldi does not sell the £3 pounds chicken thighs anymore. I asked them the last time I went there .

@joyitohan

8 ай бұрын

*Screaming* 😭😭💔💔💔

My favorite ❤

@joyitohan

8 ай бұрын

Thank you 🤗

Nice

@joyitohan

8 ай бұрын

Thank you ❤🤗

Hi dear, I have just opened a Monzo bank with your link

@joyitohan

8 ай бұрын

Thank you so much 🤗

Hy joy … Is it advisable to start building credit score when you are not up to a month in Uk

@joyitohan

8 ай бұрын

Hi Pretty, honestly, I’m not sure

❤❤❤

@joyitohan

8 ай бұрын

❤️

❤❤

@joyitohan

8 ай бұрын

Thanks for watching ❤

❤❤❤❤

@joyitohan

8 ай бұрын

Thanks for watching ❤️

Chicken is cheaper at Mark Spencer’s

Joy do they have an actual market apart from a supermarket?

@patiesward

8 ай бұрын

Yes. Search it up. I saw one nigeria post a video about. It was way cheaper than the supermarkets. Sorry I don't remember her channels name.

@joyitohan

8 ай бұрын

Yes, we have one here in Leeds, but they have days and time they open. I vlog sometime ago at the market, you can watch here kzread.info/dash/bejne/X4yOqsWOl8inctI.htmlsi=xRgoYAXqTdRLPO0S

This credit thing confuses me so much 😔 so like they gave you the phone for free if you have good credit and then you pay it off later when you have the money?

@joyitohan

5 ай бұрын

Yes, you can be given the phone on credit and you pay monthly for a certain period, a year or 2

How’s American Express?

@joyitohan

8 ай бұрын

The Monzo credit card is my first credit card, and I don’t have any experience about others

You can buy 3 big packs of chicken at Iceland for about the £10

@joyitohan

8 ай бұрын

Thank you 🤗❤️ I’ll check Iceland someday

Please do you vlog using ur phone or a camera 🎥?pls

@joyitohan

8 ай бұрын

I vlog using my camera indoors, but I use my phone when I’m outdoors

@queenjoankasimu4286

8 ай бұрын

Please 🙏 if you don’t mind,if I make a video using my phone,when I upload it on KZread it will be showing only in the middle do you what settings I need to put in place as I am trying to build a KZread channel aswell please 🙏

You can get the exact number of eggs (15)at Asda for 99p. That’s the Asda brand. Not even kidding

@joyitohan

8 ай бұрын

Thanks for this info ❤️, Omg, I need to give you a hug 🤗😭. I checked the Asda app and they sell the eggs for 1.99

@theboyzmum7029

8 ай бұрын

@joyitohan omg! Sorry! I meant 1.99p NOT 99p!! Thanks for the correction.

@joyitohan

8 ай бұрын

@@theboyzmum7029 ❤️

@temitopelawal3466

8 ай бұрын

@@theboyzmum7029I was going to ask which ASDA 😅.

@theboyzmum7029

8 ай бұрын

@@temitopelawal3466 😅

Always giving me better content

@joyitohan

8 ай бұрын

Thank you ❤️

How do you check your credit score?

@joyitohan

8 ай бұрын

I check using the credit score checker on my Lloyds bank app. But I also heard check it often can also reduce the score

Is it actually necessary to use a credit card? I don't like borrowing o😅 What other way can you build your credit score?

@joyitohan

8 ай бұрын

You must prove that you can be trusted to pay back on time when a credit is given to you, that is what impacts your credit score. You will need to start with a credit card. I also don’t like credit 😁 so I always pay back after 2 weeks of borrowing, I never wait till the due date, and that has been improving my score steadily.

@omozusiexcel8506

8 ай бұрын

@@joyitohan So in other words we need to borrow even if we don't need to just to build it up. Not so bad after all😅 I have lots of things to learn when i come

@joyitohan

8 ай бұрын

@@omozusiexcel8506 yes ❤️

@oyetundetosin2747

8 ай бұрын

U really don’t have to owe money U just use the credit card to shop for the month and u pay back all the money u spent on the particular day they want to relive their money. I use Amex and Barclays credit card and I pay using direct debit on any amount I spend monthly … I even have 4k credit on my Amex sef

@tebalelomarobane8496

8 ай бұрын

In South Africa we use this credit score thing, and that how alot of us get into debts. It needs one to be descipline

Joy, your skin is breaking out😢 Please take care dear.❤

@joyitohan

8 ай бұрын

The summer was rough on my skin, thank you ❤️

Loml❤❤🎉

@joyitohan

8 ай бұрын

🤗❤️

Don't you like garri? Or you just like the oats? Cos you can get garri for about £6 in African store

@patiesward

8 ай бұрын

Gari and oats are two different things na. And I won't buy gari for £6😢😂😂😂

@kuskusprecious

8 ай бұрын

@patiesward Oats are substitute for swallows. Garri and Semo are not so expensive so I'm wondering why people choose to use oats instead when our regular swallows are readily available. Is £6 too much for a 3.5kg bag garri?

@joyitohan

8 ай бұрын

Thanks for watching ❤️. I have the 5kg of garri from the African store, but I only soak and drink with it. I prefer using oats for swallow because it’s healthier (less carbs) and less expensive (1kg of oats is £0.90).

@kuskusprecious

8 ай бұрын

@@joyitohan that's understandable

How can one check credit score?

@joyitohan

8 ай бұрын

I check my credit score using my Lloyds bank app 🙂, but checking it too often can also reduce the credit score.