HOW TO SAVE MONEY AS A BAND 5 NHS NURSE FOR A MORTGAGE IN THE UK
ฝัง
- เผยแพร่เมื่อ 15 ก.พ. 2022
- HOW TO SAVE MONEY AS A BAND 5 NHS NURSE FOR A MORTGAGE IN THE UK IN 2022.
Join me as I host David a foreign trained nurse who was able to save money to buy a house within 3 months of starting his job as a band 5 nurse in the NHS.
CHAPTERS
01:00. GETTING THE RIGHT INFORMATION EARLY
02:55 WHY IT WAS EASY TO ACCEPT THE NHS JOB WITH LESS PAY
07:32 CAN YOU SAVE THAT MUCH IF YOU ARE THE ONLY NURSE IN YOUR HOUSEHOLD?
09:27 HOW LONG DID IT TAKE TO SAVE AND MOVE INTO THE HOUSE?
11:24 HOW TO SAVE MONEY FAST
27:53 HOUSE TOUR
30:00 THE COST OF THE HOUSE AND DEPOSIT PAID
33:53 OTHER EXPENSES INCURRED IN GETTING THE HOUSE
WATCH MY OTHER VIDEOS
* COMING TO THE UK WITH PREGNANCY / WHAT TO DO WHEN YOU DON'T QUALIFY FOR MATERNITY PAY
• COMING TO THE UK WITH ...
* WHY YOU SHOULD NOT COME TO THE UK AS A SENIOR CARE ASSISTANT
• WHY YOU SHOULD NOT COM...
* A TYPICAL DAY AT WORK IN A NURSING HOME
• WATCH THIS BEFORE ACCE...
* DIFFERENCES BETWEEN WORKING IN THE NHS HOSPITAL AND A NURSING/CARE HOME
• DIFFERENCES BETWEEN NH...
* THINGS TO CONSIDER BEFORE YOU MOVE TO NORTHERN IRELAND
• THINGS TO CONSIDER BEF...
* HOW TO GET A JOB AS A MIDWIFE IN THE UK
• HOW TO GET A JOB IN TH...
* STORYTIME: MY FIRST MONTH IN THE UK. EXPERIENCE, MISTAKES AND TIPS
• STORYTIME: MY FIRST MO...
COME AND INTERACT WITH ME IN OTHER SOCIAL MEDIA PLATFORMS
INSTAGRAM: ScholasticaUgboka
FACEBOOK: Scholastica Ugboka
EMAIL: Scholasticaugboka@gmail.com
![[TH] VCT Pacific Stage 2 - Playoffs Day 1 // GEN vs RRQ | TLN vs TS](http://i.ytimg.com/vi/JhkzKOhvOps/mqdefault.jpg)
I watched to the end...
This info is not just for Nurses.
It's a great video
Awwwnn thank you
Mrs Philips is legit and her method works like magic I keep on earning every single week with her new strategy
Wow I' m just shock someone mentioned expert Mrs Philips thought I' m the only one trading with her
She helped me recover what I lost trying to trade my self
I think I'm blessed because if not I wouldn't have met someone who is as spectacular as expert Mrs Philips
I think she is the best broker I ever seen
I also trade with her, and earn $2,600 every week. All my family have been trading with her and making profits
I still wonder how she gets her analysis, I got profit of $28, 609 with a capital of $4000 in 16 days of trading with her
Thank you so much.I love your house especially your kitchen. God bless you and yours.
Me too, I fell in love with the kitchen 🥰 it’s so big
Really enjoyed this. Such great and level headed information. More of him and his wise advice please!
Aww thank you so much, he will be back to tell us all about the process of applying for a mortgage, approaching a seller and buying a house very soon
This is the best video,I hv watched this year,tks for this ,it is awesome,pls let's have more of this gentle guy pls , very informative n a guide . many thanks,
Awww thank you so much for this.
Thanks for this video, guys. David, you're a financially intelligent guy. Love you guys.
Thank you so much
Well done,you guys.
This is quite informative.
I looooooove your house,David.
Thank you for watching, it’s the big kitchen for me. It’s as big as my entire living room 😁
This was really informative. Thanks for sharing David. I am a student and would love to own a home someday.
Information is key especially a legit
This is very good💯👍
You are right, thank you so much
Am so happy i joined you been so informed.
Awwwn thank you so much for watching
Hello David thank you so much for all the information. God bless you.
Amen, thank you
I know David about three years back, when we were hustling for NCLEX back then before UK route becomes easier. He's very hard-working and disciplined indeed
You know him very well 👍
Yes he seems like a good man
I know him too
You are absolutely true. You are doing well and its the right imfo. If you can stay away from London be sure to save alot of money.
Exactly, that is why I tell everyone to stay away from london
Very helpful video, I really enjoyed watching!
Thank you
David, na man you be. Your story is such an eye opener. And congratulations on your house.
Chai see compliment oo 🥰 thank you on behalf of David
Nurses are amazing! Doctors write prescriptions and go, but nurses are by your side through the worse times, come rain or sunshine, cradle to grave. That's simply priceless! We love you nurses 💕
Thank you so much 🥰🥰, you have just made my day
Thank you so much 🥰🥰, you have just made my day
You should have this guy more often, he is not stingy with information ❤️❤️
You are right. thanks for watching
thank you for this video Scholastica. It is just what is needed right now
Thank you 😊
This young man is very disciplined and knowledgeable . Very focus and organised. Will be very successful, may you continue to be blessed. Always keep FOCUSED, give thanks to TMH.
Thank you very much
Good information. Well done to yous💗
Thank you so much
Thank you so much David you are so nice God bless you
Amen on his behalf 🥰, he will be back very soon to tell us all about the process of finding a seller and buying the house
Well done David
Thank you on behalf of David
Wow , so happy to see you here... Weldone babe
Awww thank you
Thanks for the video. You’ve got a beautiful house David
Thank you
Wonderful piece
Thank you
I really like David his very realistic 👍
Thank you, He is full of wisdom
Wow! Beautiful finishing in the house
Thank you
This is very good information am so saving this video for future use
Awww thank you
Hi David ,it's Nurse Mercy Catherine's,s friend so good to see you here,hope you guys are doing well.😗
They are doing alright, thanks
So informative, thanks
Thanks for watching
Very informative video👏👏
Thank you
This look like Crewe, beautiful place. Great video, lemmi finish watching it.
😀 thank you
This was soo Insightful, I can’t wait to see the next video..
Awwwn thank you so much
Thanks for this wonderful video, this is exactly what I and my husband planned. We are both Nurses
👍You both are heading in the right direction. Keep it up
This is lovely 🤩
Thank you
Very informative 🧐 thanks alot 🙏
Thank you for watching
It's possible, well done 👏
Thank you
This is really insightful.
Wow! Fiyin really broke it down! Real and raw as it could be... His story almost served as a "Dummy to settling down in the UK"
Great one Ugboka
Lol.. you are right, he is very detailed in explanation
This man has how we say in England, that he has his head screwed on the right way. To say that he and also his wife have took a GOOD and SENSIBLE look on just what they want from life. When he was talking about downsizing, we have an other expression, he has cut his cloth to suite his sail. As I have seen so many that do the WRONG thing by spending the money they get. As you can ONLY spend your money ONCE. As once you have spent your money, it has GONE. That is when you start to see others starting to ask you for HELP.
He is also right about the price of property been cheaper the more North you go to live. He is right when he says about RENTING a flat or house, as a rule you are paying the mortgage by proxy for the other person. But I will also say that you can RENT from the council or housing association. I know the home that I have been living in for a long time, is through an housing association. It is a 2 bedroom’d flat, but must say that the second bedroom is quite small. But even so, the rent for this flat is around £400 a month. I know that it is under that amount, but I rounded it up so I know that I will ALWAYS be in CREDIT. Also in renting through the local council or housing association, you do NOT need to pay for any repairs that you do when you own your own home. I know I had a golf ball smash one of the windows, that was repaired at NO cost to me. All of the property’s had NEW plastic (UPVC) double glazing and a new UPVC door as they keep the property’s updated. Had NEW boiler that gets serviced every year. The ONLY thing that I need to do, is to decorate the rooms to how I want them to be.
He also was talking about saving money by NOT having a BIG car, as to fiend out what the transport infrastructure is like. As my flat is on a main bus route, and also NOT that far to even walk to the hospital in Hartlepool. But even to use a taxi would only cost £5.
But what I would say to do, is if something was to cost for example £90 to £99 is to ALWAYS round it up to £100.
So let’s say rent was TRUE cost of £97, council tax £27, gas and electricity £86 and food £38. So that would be £97
£27
£38
TOTAL COST £162
But doing it my way, then prices would be rounded up to the higher amount of £100
£30
£40
TOTAL COST OF £170
I know that is only an increase of just £8. But that is ALWAYS going to KEEP you on the RIGHT side of the line. As if your weekly rent was to increase by £5 a week, as you have been used to paying £100 instead of the £97, then to you it is NOT an increase of £5, but an increase of £2. So your rent would in reality would then be £102. So you could just round it up to £105, or if you can still afford to round it up to £110.
I know what I did in the past, was ALWAYS pay more than I should have been paying for my rent, was when it came to around November, I would see how much CREDIT I had, then ask for a lump of that cash back. That way it helped me pay for Christmas gifts.
I know that I should NOT be saying this. But the British Government like to know just how much money you have in your bank or building society. But if you spread a small amount of money in the form of CREDIT with your rent or with your gas and electric, then that money is NOT in your bank 😉
For anyone who is NOT from England, as I have lived in England all of my life (as I am a BRITISH CITIZEN) if you have any questions that you may want to ask, then I will answer you to my BEST ability. But NO good in asking me anything about jobs in the NHS, as it is a field that I know NOTHING about.
Bye from John in England.
Hope you all are keeping SAFE 😷 from this pandemic that has affected every part of the world.
Stay SAFE 😷
Stay GOOD 😇
Stay HEALTHY
And be KIND to EVERYONE.
Help others, but NEVER loan money to others. As I have put before. ANYONE can spend money, and even EASIER to spend other peoples money.
For us overseas nurses ,when do we qualify to rent from council or housing association
@@rbee2062 it all depends on the part of the UK that you live. But as a rule, you contact the council FIRST for a housing application form. But do NOT expect on getting a place to live within a month, as it can take a few months minimum. As it is all done on a points system. But then the council can refer you to a list of housing associations, as some of the housing associations will NOT accept you unless you have been referred by the council first. But it is NOT a quick proses. It is like if a council has only 100 property’s, but 200 people want one. Just something for you to know. The WORSE the place that you might be renting, the MORE points that you will be given. So if a place is damp, or has some sort of problem, then once more, the MORE points that you will be given.
A good place for information about a lot of things is the “CAB” Citizens Advice Bureau. They give you impartial advise. I hope that this might help you out in some way.
Good luck if you come to England.
@@jonc4271 Thanks , I'm in Cheshire
@@Nursemegzie @jrcKNOBBY on the Telegram app. But if you are British, what help can you want from me ?
@@jonc4271 lol what a reply 😂
He is right on every thing he is saying
Thank you
He is good person .God bless you
Amen, thank you
Really good video. Thank you Fiyin and Scholastica#
Thanks a lot for watching
This is motivating
Thank you
Hello schola! I hope you still remember me :) im your previous workmate Ryan :)
Your videos are very informative! Congrats!
Aww thank you Ryan, how are you doing? How is work?
@@ScholasticaUgboka Work is still the same. Haha! You know what I mean :) still adjusting even if I am almost 1 year working here. Still contemplating if i should continue or move to another.
I hope you are doing well and pray for more success and happiness for you!
@@RyanCunananMadriaga I understand, dont worry it's a gradual process We all went through it, it takes time to build confidence in a new place of work especially in a new country. I still remember the first time I headed a shift and had to do handover, my voice was shaky and palms sweaty so its totally normal. With time you ll be walking around like the boss 😀
Nice guy with lots of info
Thank you
I watched to the end...
This info is not just for Nurses.
It's a great video
Awwwn thank you
Thanks for this
You are welcome
Thank you David. God bless and keep you
Amen, thank you
God you so great msn. you did s great research. this will help me.
Thanks for watching
This house is beautiful and big😍😍
It really is. Thanks for watching
Most appreciated 👌
Thank you
First time on this channel but I think everyone needs to be friends with david lol. He sounds like a hard-working individual who really knows what he is doing.
😀😀 you are right and thank you for watching
Very informative .... thank you David. Thank you scholastica. I will definitely share it.
Thank you so much
True about care home. You have to be very strict to maintain a sane shift life. They will be short of staff and try to coerce you for extra shifts
You are 100% right
Excellent presenter! Very, detailed, practical, no-nonsense explanations! Super smart, practical, and disciplined couple. It takes two to tango! It helps that BOTH of them were fully-aligned in working in ONE direction, AND Ready, Willing, and Able to make the necessary SACRIFICES to reach their goals. They did proper and details research using multiple sources (instead of just listening to one or two negative 'they-say-they-say' 'okro' mouths. They did NOT try to 'keep up with the Joneses' and live a BIG expensive life to impress others. They did NOT just dream that their dream home will fall from heaven. They did NOT live beyond their means to impress others as is common among too many people. They were (and still are) very focused and disciplined. Best wishes to this David and his wife. Bravo!! Thanks for posting this excellent interview.
Aww thank you so much for this comment.
Exquisite!
Thank you
Wow, the financial discipline both of them have is remarkable.
Yes oo, I admire them so much
I think I watched a video on Alphaslice years back when David was a Nurse in the US, he moved to the UK later?
I've missed your channel Scholastica, was always coming back to see if they've been a new upload😊
Awww thank you so much for your continued support. David started his US registration but it was taking too long so he came to the UK.
@@ScholasticaUgboka Oh, that's nice
I'm soo glad you are back dear, and congrats on your baby, she'll be soooo lucky to have you.
@@vivianehi thank you
Very impressed
Good one !!!
Would definitely hope to meet David one day
You’ve Just got a new subscriber 💕💕
Awwwnn thank you so much. David is on Instagram, you can send him a message there
The house is lovely
Thank you
Congratulations bros,I tap from ur bless .I wish to be like u soon
Me too o, thanks for watching
Best way is working with agency
This is the one ☝️
Yes oo 🥰
Omg are you kidding me? Where I live it’s £450,000 for newly built house . Wow lovely house . Big congratulations 🎉
Wow that is a lot of money, which area is this?
This was so interesting
Thank you
God bless him
Thanks Davod
thanks for watching
the salary difference is really a big shock😅😂 congratulations dear
It is oo, I’m not ready to absorb the shock yet that is why I’m still in the nursing home. It’s better to just start in the NHS from the very beginning than to go to nursing home first before moving to NHS
Thank you so much, for this information, I'm grateful. I had to watch the video from beginning to end.
Can a family of 3 live in a studio apartment?
It depends on how old your baby or child is. If he is over 6 months then he needs his own room so aim for a 2 bedroom instead of a studio
Thank you so much. What about a family of 4? Still 2bedroom or 3bedroom?
@@ijeomanedu6386 depends on the age and gender of the kids. If boys, buy bunk bed, if a boy and girl, 3 bedrooms so each child has different rooms, otherwise TEMPORARILY 2 bedroom is enough for a family of 4.
Thanks
Fantastic
Thank you
Hello Mr David, I really enjoy your discussion but please I need your advice once again cos I too is looking towards that direction of getting an apartment in the 🇬🇧. I work at as health care assistant in one of the one though am dependent under tiers 2 sponsorshipi
thanks you can reach David on his instagram handle which was displayed on the screen
Developers often give money incentives to Furnish the house he's right that keywokers get more help but that three thousand is often a feature
That is really nice
@@ScholasticaUgboka it's all business not just to be nice but if you're savvy you can bag a deal.good luck!
What is the meaning of a keyworker
thank you for this information, please where is this wonderful male nurse living and can he give a step by step process of buying a house in the uk. Thank you
He is in Leeds and yes we plan to talk about the step by step step process of buying a house soon
I’m in Leeds as well but cost of living here is expensive as compared to what he is saying, I hope to learn tips to survive from him
@fiyinfoluwa oluwasegun I’m in Leeds and coat of living is high here, I wish to learn one or two tips from you in order to cut expenses
@@mohammedsemiat5850 I am in Leeds too and houses are expensive too. I wish to learn more
Delayed gratification. Eye opener
Good info. But the key factor is not having children. Once you have children and don't have anyone to help you to mind them for free is either you pay childcare or you suffer shuffling the minding between each other and this is very draining when you want to work extra shifts or nights. Also you need to spend time with your child not only work .
You are absolutely right
Completely agree. The plan for those who have children is to move into a career path that pays more. Thankfully I moved in Software Testing on a contract basis.
@@cynthiayousuo8304 whats software testing about please??
@@cynthiayousuo8304 please what’s it about?
Thanks Schola for this informative video…What is the size of the house he bought for that amount?
I can’t remember again o, watch the part that has the house tour, you will be able to see how many rooms it has and how big it is
Congratulations 🎉🎉🎉.
So can you put it up for rent without completing the payment
Thank you. yes it is his house now so he can rent out some rooms or even use it as an Airbnb accomodation option for travellers
Can a dependent of Tier 4 visa who later gets a tier 2 sponsorship a house. This video has stirred up something in me right now. Thank you sis
You can get a house if you have a permanent job as a tier 2 holder. Save as much as you can for the house deposit then approach your bank for a mortgage
@@ScholasticaUgboka thanks so much for the prompt reply ma
Barbie tnx so much.
😍 my NL connect, Nice to meet you here. Thank you for watching
If you are coming to the UK with Tier2 visa working as a DOMICILIARY care worker can you be able to buy house?
Yes you can but a house if you have saved up enough money for the house deposit and you have a permanent employer which I assume you do since you have a tier 2 visa. You can get a mortgage from the bank when you are ready to purchase the house
Really informative. Please, how can I get through to David as I have some important and personal enquiries to make from him? Thanks
You can send him a message on Instagram
@@ScholasticaUgboka Thanks
If you buy a house like 3 bedroom.can you add people to live with you as shared apartment and make money from it?
Yes you can because it's your house so you can decide to rent out a part of it
pls i want to ask how much deposit you were asked to pay for the house, because we sought two mortgage advisers now and they said if we havent stayed two years in the uk lenders will ask us to pay 25percent instead of normal 10percent?
I think this 25% is a new development, it was 10% before.
@@ScholasticaUgboka thanks
He talked about partners who are all nurses one of them doesn't need to be contracted by nhs but can work for agency shifts. Does this mean that if you're a nurse but come to UK as a dependant you'll still get employment without sitting for OSCEs I'm confused please elaborate on this
You need OSCE as much as you are coming in as a Nurse. Requirements not changed.
Yes, you can get a job as a care assistant before you pass your Osce
I like David's realistic nature. Without discipline, you can't achieve anything.
He speaks like my friend Ernest.
Awesome info 👌💯
True talk but the last part sha 😜
Most you drag me everywhere?
You and this Scholastica girl
@@chukwuebukaernest19 hahahaha he caught us @Ocholi Edibo
@@chukwuebukaernest19 Just swallow your pride and take the praises due you... Bcos we spoke about this investment sometime back if you can remember.
@@ScholasticaUgboka I had to give my friend Ernest credit for thinking 💭 in the right direction👌👍🙂
As a carer how do I go and work in NHS. I'm a qualified enrolled nurse auxiliary from SA but working as carer in UK how do I get into NHS
Start applying for NHS jobs
Very informative video! Please I would like to ask is it possible for someone on Tier 4 student visa to buy a house?
I doubt that the bank will give a student enough money to get a mortgage but im not 100% sure it is not possible.
Is not possible with your visa...I'm might be wrong.
It is possible. Very possible
Banks give tier 4 holders too
@@ebehionerhime6993 rarely do that happened and it won't be enough money! Not all banks will do that too
Which side in England o coz Reading here is equally expensive
This house is in Leeds
@@ScholasticaUgboka thanks for always finding time to reply
@@okoangel5208 aww thank you for thanking me 😀 you are royalty so I have to reply ❤️
Pls what's the cost of living in West Yorkshire especially house rent
I honestly have no idea, check property websites to get an idea
It depends on location some areas are more expensive than others
Can you work in both care home and NHS? Perhaps full time NHS and part time care home or agency works?
Yes you can but some agencies will only send you to the hospital or a care home if you have previous experience in that setting. Btw 3 to 6 months preferably
What about Cambridge?
I think it's a nice place too
Wlcm back dear
Thank you
I need some tips and information to get an apartment at affordable price
where are you planning to live? and what is your budget?
For us overseas nurses ,when do we qualify to rent from council or housing association
I could be wrong but I think it is after you get your ILR because right now you are not entitled to any form of public funds on a tier 2 visa.
your visa says no recourse to public fund ,, so no access to any social security money.
About 20 years
Yooo, i told one new nurse this she was so angry with me..she went to ask some white colleagues i thought suit yourself...council houses are classed as some sort of benefit
Pls where in UK is this property ?as this price is reasonable .
It is in leeds
Scholastic please where in Leeds
@@ScholasticaUgboka what??? Some old houses in Leeds worth more than that!! Where about in Leeds??
Great video! Thanks 😊
Which area did he buy a new built house that price 😮
somewhere in Leeds
I thought if your contracted for 3 days per week the time they call you back for is overtime. Also...if the NHS pays so low how are saving better now than the care home then?
Yes its overtime but overtime pay is not as high as agency pay so instead of making money for those extra hours, you are losing money you could have earned on an agency shift. He can save better with NHS pay because he doesn't have to do overtime or come to work for meetings etc on his day off this giving him more opportunities to pick up agency shifts.
How long can you work in the uk before joining agency
Between 3 to 6 months
What part of the Uk is he living in to buy the house?
England, I can’t remember the city
@@ScholasticaUgboka pls find out from him. Am in London, looking to relocate
Thank you so much Scholarstica for this insightful video. How can I send your guest a message please? His Instagram page is set to private.
Request to send a message or follow him