Q&A: Can We Combine Our Income?

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  • เผยแพร่เมื่อ 3 พ.ย. 2024

ความคิดเห็น • 78

  • @parodzaman2116
    @parodzaman2116 4 ปีที่แล้ว +6

    u r a star fo me n my wife. u always provide helpful info. I remember those days when i would go through ur videos time after time and filling my wife's first application by myself. i would eagerly wait to see ur extension application as i have to apply for my wife's extension visa next year. u'll be always in my dua sister.

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว +2

      Aww such a kind message! Thank you so so much! It never gets old hearing how someone has found my videos helpful and allowed them to make the applications themselves 😁. Not much longer now for hubby's extension, will be making the application in November. Less nervous with what to do but not sure what to expect with this new scanning system. Hope I can submit everything I want to make a good case.

  • @floydwain
    @floydwain 4 ปีที่แล้ว +1

    Thanks for the information your video really helped me during my first application we are due to make a 2nd application in March looking forward to the next application video

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว

      Aww, thank you for watching! Also, for your comment, I love hearing that my videos have helped someone with their visa. Ours is due in Nov, so those videos will be up well in time for your application 😁

  • @kiranperveen4522
    @kiranperveen4522 4 ปีที่แล้ว +1

    Informative information,
    thank you so much, always looking forward to your video's they helped me alot.
    much appreciated! x 😊👍👍👍

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว

      Thank you very much! Please like and subscribe if you haven't already 😊

    • @kiranperveen4522
      @kiranperveen4522 4 ปีที่แล้ว +1

      @@RuksanaAhmed I subscribed and liked your channel when watching your frist video.😊 keep it up. the videos help many people inculding me and you give great advice for people in the same position as me.
      thank you for your help! x

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว

      @@kiranperveen4522 Aww, thank you so much. I really appreciate it! It really does help my channel 😁

  • @rameesahmajid1803
    @rameesahmajid1803 4 ปีที่แล้ว +1

    Hi Ruks can you make a video about composing the cover letters/ support letters for the application? I would appreciate it. Also can you combine sources of income? I'm wanting to combine salaried employment with savings to make up for the shortfall. Thanks for all your videos

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว +1

      Hey, this question has been asked already and I can see it would be a popular one so you never know, it might be coming soon! You can definitely use a mixture of income and savings if you don't quite meet the financial requirements on income alone. It really depends on how much you are short by but you need to have a minimum saving of £16,000 for it to be counted towards your application. So to work it out...
      (Amount of savings - 16,000) / 2.5 = x
      18,600 - x = amount of income needed to to be earned.
      So say you had cash savings of 20,000.
      (20,000 - 16000) / 2.5 = 1600
      18,600 - 1600 = 17000
      So you need have an income of £17,000 per annum

    • @rameesahmajid1803
      @rameesahmajid1803 4 ปีที่แล้ว +1

      Thank you soooooo much for your reply. I appreciate it

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว

      @@rameesahmajid1803 Anytime 😊

  • @ahmedkhalid8887
    @ahmedkhalid8887 2 หลายเดือนก่อน

    Hey Ruksana, thank you for sharing the information, would really appreciate if you could answer my question, if the applicant is already in the uk can their salaries be combined with the sponsor? Cause given the new hike in finaical requirment I doubt not many will be able to fulfill it without combining incomes from the get go?

    • @RuksanaAhmed
      @RuksanaAhmed  2 หลายเดือนก่อน

      Hi, yes incomes can be combined for extension and ILR applications.

  • @shafirohman2331
    @shafirohman2331 4 ปีที่แล้ว +2

    Nice video ruks.. i have a question what happens if you both don't meet the financial requirements for the extension visa is there an alternative way? Does the spouse get deported?

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว

      Hmm, it will depend on why neither of them is working. You may qualify for exemption of you are unable to physically work for example. Another route would be to have £65,000 of cash savings in your bank account for at least 6 months. This does not have to be yours either, it can be "gifted" but as long as it has been in the account for 6 months, that's enough to be able to use it towards your financial requirements. I also know that they accept other things such as a pension, any assets that you may have but I am not sure how you can use them towards you application. It is definitely one for a solicitor if you find yourself in that situation.

    • @shafirohman2331
      @shafirohman2331 4 ปีที่แล้ว +1

      @@RuksanaAhmed ok what if you both work and you still cant manage to meet the financial requirements and also dont have £60,000 savings is there any sort of loop hole?

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว

      @@shafirohman2331 It really depends on what you are earning because you can make the difference back with your savings. If you are working, it doesn't have to be £65,000 of savings, it can be a minimum of £16,000 but you need to figure out how much you are short by before you know how much your savings needs to be. If after all that, you cannot afford to keep your partner then you should be able to apply through a third party (not sure if that's available with an extension but it is for the first application so I don't see why not). The only thing with a third party is that you will not be on the 5 year route, but will instead be on the 10 year route. So it is still possible but you will end up making 4 of these visa applications in total before citizenship, which is so much money!

  • @gaza66
    @gaza66 2 ปีที่แล้ว +1

    👍

  • @imtiazahmed6908
    @imtiazahmed6908 4 ปีที่แล้ว

    Thanks, really appreciate your feedback

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว +1

      Thank you for your question 😁

  • @jannathlittleworld3109
    @jannathlittleworld3109 4 ปีที่แล้ว +1

    Very nice

  • @taramiller1784
    @taramiller1784 4 ปีที่แล้ว +1

    Amazing information

  • @joymrahman571
    @joymrahman571 4 ปีที่แล้ว +1

    Your amazing thanks

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว

      Aww, thank you very much! 😁

  • @joewatkinson3225
    @joewatkinson3225 4 ปีที่แล้ว +1

    Thankyou rucsana

  • @monikafarenjiya9242
    @monikafarenjiya9242 4 ปีที่แล้ว

    Hi dear can you please make a video for cover letter if possible please make it step by step ....waiting for the same

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว

      Thank you for your video request, I can see this being a popular one! 😊

  • @joewatkinson3225
    @joewatkinson3225 4 ปีที่แล้ว +1

    Hi luv do you know required financial for a 10 year visa thanks a lot

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว +1

      Hi, the 10 year route is an option for those who don't quite meet the requirements for the 5 year route but have enough/back up evidence that means their application can still be accepted (such as a third party to help with financial requirements) but I don't know much else about the 10 year route unfortunately.

  • @NoirProxy
    @NoirProxy 4 ปีที่แล้ว +1

    Hi again. Can you please please please go through the evidence sections a bit more in detail?

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว +1

      Hi, the evidence is the same as in my "financial documents" video th-cam.com/video/TOgD04ds450/w-d-xo.html but for a combined wage both of you need to provide those documents.

    • @NoirProxy
      @NoirProxy 4 ปีที่แล้ว +1

      @@RuksanaAhmed It's more the proof of a legit relationship. Me and my girlfriend have been taking screenshots of a 6 page conversation each month, a photo of us whatsapping each month, all video call logs that are 6-7 hours a piece and stocking piling photos from 3 holidays so far along with family. I'm planning on proposing next year and also got permission from my landlord for her to live in my apartment. Is this good enough so far? What else do you think I need? I earn way over the needed requirement and she has over the 16k in savings anyway. It's so paranoia inducing :( I think tickets are important but I only have ones saved on my end but she has invoices from emails for when she came here twice so far.

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว +1

      @@NoirProxy Hi! Oh sorry, I thought you weren't sure about the financial documents. I have made a video on the relationship documents also which you might find helpful: th-cam.com/video/OFQWuuaJWX0/w-d-xo.html. It is all the proof that we provided for our application. It sounds like you have quite a good amount of evidence (actually more than we had) which is great! I also have a video on what we evidenced for our accommodation, it is slightly different to what you will need as I was bringing my husband to live in my parent's home: th-cam.com/video/H3ax5MOxlE0/w-d-xo.html. A letter from the landlord is good, I would suggest you provide them with your tenancy agreement also and a months worth of any bills that you pay (gas, electric, council tax, etc). The environmental health report is not needed if it's just you who lives in the property. You can also watch a full list of all the documents I provided in this video: th-cam.com/video/QOz2K8nXFx0/w-d-xo.html

    • @NoirProxy
      @NoirProxy 4 ปีที่แล้ว +1

      @@RuksanaAhmed Thank you for the detailed response Ruksana :) Really appreciated.

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว

      @@NoirProxy No problem 😊

  • @usmanilya5
    @usmanilya5 4 ปีที่แล้ว

    Hi for extension spouse visa . Can we combine selfemplyment income husband and wife if both are working self employed ?

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว +1

      Hi, sorry to have missed the self-employed out. I can only speak for my situation really. With self-employed, they look at a full years income which I am sure you know. I don't see why you can't show both of your incomes as it is still an income/earning at the end of the day, no matter what way it has been earned. I can't see it being an issue but if you want to know for sure, it is definitely worth asking an immigration solicitor.

  • @fatoumatadarbo2766
    @fatoumatadarbo2766 4 ปีที่แล้ว

    Question regarding first initial Visa: for evidences which need to be within the 28 days period, when did you start collecting them? Before or after submitting your application?

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว

      Hi! I started collecting my wage slips and bank statements from 6 months before I wanted to apply. Also during that time, I would recommend you put your screenshots together and begin to draft any letters your want to submit (such as sponsor or applicant letter). When I get to the 5th month, I began to collect everything else so that they are still within 28 days when we submit and that is also when I began to fill in the application form.

    • @fatoumatadarbo2766
      @fatoumatadarbo2766 4 ปีที่แล้ว +1

      Ruksana Ahmed hi Thank you for your response!! Been so helpful.
      You know the employment letters and relationship letters do they need to be addressed to a specific visa and immigration address or can it be an open letter without any address

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว

      @@fatoumatadarbo2766 Hi! I didn't put an address on the letter. I just put my address in the top write hand corner and my parents/employer did the same on their letters. In terms of addressing them as people I put "Dear Entry Clearance Officer", you can just put "Dear Sir/Madam" like my parents did or "To whom it may concern".

    • @fatoumatadarbo2766
      @fatoumatadarbo2766 4 ปีที่แล้ว +1

      Ruksana Ahmed thanks for your response! My employers were requesting for an address before providing me with an employment letter, so I provided the address of the visa application centre in the country we’re planning to apply from. Is this OK as they’ll be the ones we’re submitting all our supporting documents to

    • @fatoumatadarbo2766
      @fatoumatadarbo2766 4 ปีที่แล้ว +1

      Ruksana Ahmed sorry for all the questions 🙈 you’ve honestly been a life saver

  • @kiranr8892
    @kiranr8892 4 ปีที่แล้ว

    Excellent information

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว +1

      Glad you like it! Thank you for watching 😊

  • @aliriaz1608
    @aliriaz1608 4 ปีที่แล้ว +1

    Hello, R all spouse visa applications closed? due to COVID 19

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว

      Hiya, you can still make the application online. I have made a video regarding the covid 19 updates for the spouse visa which you can watch here: th-cam.com/video/s4X0-K8HFe4/w-d-xo.html and there is a link in the description box to the website which will direct you on how you can find out which visa application centres are open.

    • @aliriaz1608
      @aliriaz1608 4 ปีที่แล้ว +1

      @@RuksanaAhmed Thank you very much :D

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว

      @@aliriaz1608 Anytime 😊

  • @shanzy3698
    @shanzy3698 11 หลายเดือนก่อน

    Hello did you apply after 30 months or after 33 month for flr ? Thanks

    • @RuksanaAhmed
      @RuksanaAhmed  8 หลายเดือนก่อน

      Hi, we applied after 33 months but you can apply after 30 months if you wish, it should not affect your application as 30 months on initial application and 30 months on flr will total 5 years

    • @shanzy3698
      @shanzy3698 8 หลายเดือนก่อน

      @@RuksanaAhmed thank you and when can I apply for my wife is she came to UK 7 October 2021 ? Thanks

  • @usmaantalksunited8918
    @usmaantalksunited8918 4 ปีที่แล้ว

    Great video keep them coming ❤️

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว

      Thank you! 😊

    • @sanjayreddy2662
      @sanjayreddy2662 4 ปีที่แล้ว +1

      Great video as always. For the extension visa will you need to show pics of relationship again. E.g. holiday pics etc to show genunine relationship

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว +1

      @@sanjayreddy2662 Hi Sanjay, I am not too sure as of right now but I have been taking pictures with my husband and us with other people (friends and family) as I can imagine they would like to see your spouse integrating so I would highly recommend you take lots of pictures and take them as often as you can, you can always pick and chose which ones you want to submit.

    • @sanjayreddy2662
      @sanjayreddy2662 4 ปีที่แล้ว +1

      I have got my wife to book for b1 life skills exam but i was under the impression score needed was 4 in speaking and listening. It would seem it is just pass or fail now instead of a particular score?

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว

      @@sanjayreddy2662 Hi! For the IELTS exams relating to the spouse visa application it is just a pass or fail. There is also another IELTS exam which is not for the visa, that is probably the one with a score. Just make sure you book the right exam

  • @MDRashid0509
    @MDRashid0509 4 ปีที่แล้ว +1

    I wonder how many show a fake job, restaurant and etc.. to reach the £18,600 lol

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว +1

      Hmm, got to do what you got to do

    • @MDRashid0509
      @MDRashid0509 4 ปีที่แล้ว +1

      @@RuksanaAhmed I suppose so, do you have any idea if VSA offices are open

    • @RuksanaAhmed
      @RuksanaAhmed  4 ปีที่แล้ว +1

      @@MDRashid0509 Some should have started opening now you can find a link on this website which will tell you how to find which ones are www.gov.uk/ukvcas