Please 🙏 if you don’t mind,if I make a video using my phone,when I upload it on RUclips 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 RUclips channel aswell please 🙏
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?
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.
@@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
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
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 ruclips.net/video/-XZHcUgeABo/видео.htmlsi=xRgoYAXqTdRLPO0S
@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?
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).
You just gained a new subscriber!!
Your content is so relatable and relevant!
Thank you so much
The secret is not to max out the credit, of the 850, use like 350 and pay back on time.
Thank you ❤️
When shopping in the uk, you need to shop around because some items you can get them cheaper in other shops.
You did well I have family of 5 and it's 180 from aldi.
The Asda brand evaporated milk even taste better. You should try it too🙂
Amazing 🙂 I’ll give it a try
When you buy vegetable oil, why dont you go for the 4L than buying the 1L one?
Joy, love you darling 💕 the background music is giving me joy mehnnn love it
Thank you 🤗
I hope seeing you in Leeds one day. I stay in Leeds as well
Aldi does not sell the £3 pounds chicken thighs anymore. I asked them the last time I went there .
*Screaming* 😭😭💔💔💔
They the Asian my shop for the things u get in the African shop you can get them cheaper and you can get 30 eggs for 5-6£
Please do you vlog using ur phone or a camera 🎥?pls
I vlog using my camera indoors, but I use my phone when I’m outdoors
Please 🙏 if you don’t mind,if I make a video using my phone,when I upload it on RUclips 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 RUclips channel aswell please 🙏
Thanks for another educative vid Joy❤
Thanks for watching ❤️🤗
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
Amen 🙏🏾 thank you 🤗
@@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
Thank you 🤗❤️
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?
Yes, you can be given the phone on credit and you pay monthly for a certain period, a year or 2
Lovely vlog❤️
Thank you 🤗❤️
Hy joy …
Is it advisable to start building credit score when you are not up to a month in Uk
Hi Pretty, honestly, I’m not sure
Register to vote that brings your credit up.
Chicken is cheaper at Mark Spencer’s
interesting vlog as usual. 🥰
Thank you ❤️🤗
Is it actually necessary to use a credit card? I don't like borrowing o😅
What other way can you build your credit score?
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.
@@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
@@omozusiexcel8506 yes ❤️
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
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 do they have an actual market apart from a supermarket?
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.
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 ruclips.net/video/-XZHcUgeABo/видео.htmlsi=xRgoYAXqTdRLPO0S
Hi dear, I have just opened a Monzo bank with your link
Thank you so much 🤗
❤❤❤❤❤❤
My favorite ❤
Thank you 🤗
You can buy 3 big packs of chicken at Iceland for about the £10
Thank you 🤗❤️ I’ll check Iceland someday
Yea and adsa and lidls does some good chicken deals
How’s American Express?
The Monzo credit card is my first credit card, and I don’t have any experience about others
No to American express some online shopping won't accept. Capital one, aqua, monzo, and what your bank offers
You can get the exact number of eggs (15)at Asda for 99p. That’s the Asda brand. Not even kidding
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
@joyitohan omg! Sorry! I meant 1.99p NOT 99p!! Thanks for the correction.
@@theboyzmum7029 ❤️
@@theboyzmum7029I was going to ask which ASDA 😅.
@@temitopelawal3466 😅
I m your big friend
Always giving me better content
Thank you ❤️
The milk is food
Nice
Thank you ❤🤗
How do you check your credit score?
I check using the credit score checker on my Lloyds bank app. But I also heard check it often can also reduce the score
Sign up to clear score it's free and it helps give ways to build your credit score
Joy, your skin is breaking out😢 Please take care dear.❤
The summer was rough on my skin, thank you ❤️
Don't you like garri? Or you just like the oats? Cos you can get garri for about £6 in African store
Gari and oats are two different things na. And I won't buy gari for £6😢😂😂😂
@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?
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).
@@joyitohan that's understandable
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Thanks for watching ❤
Loml❤❤🎉
🤗❤️
How can one check credit score?
I check my credit score using my Lloyds bank app 🙂, but checking it too often can also reduce the credit score.
Sign up to clear score it's free
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Thanks for watching ❤️