Immigrating to the UK

Do yourself a favour and get a credit card ASAP. You'll likely need to get a credit builder card which will give you something like a £200 limit at a stupid interest rate, but that is a good way to get going. Once you have a slightly better score, get yourself a mobile phone contract. Big score improvement there.
I've been in the country for 12 months and as of this morning my score on Experian is 930/999.
This score will affect eligibility and interest rates on cars, houses, etc.
 
Do yourself a favour and get a credit card ASAP. You'll likely need to get a credit builder card which will give you something like a £200 limit at a stupid interest rate, but that is a good way to get going. Once you have a slightly better score, get yourself a mobile phone contract. Big score improvement there.
I've been in the country for 12 months and as of this morning my score on Experian is 930/999.
This score will affect eligibility and interest rates on cars, houses, etc.
Guess I’ll have to do this sort of stuff. Goes against my grain but at this point I’ve done zero to help my score besides registering to vote.
 
Do yourself a favour and get a credit card ASAP. You'll likely need to get a credit builder card which will give you something like a £200 limit at a stupid interest rate, but that is a good way to get going. Once you have a slightly better score, get yourself a mobile phone contract. Big score improvement there.
I've been in the country for 12 months and as of this morning my score on Experian is 930/999.
This score will affect eligibility and interest rates on cars, houses, etc.
They’re all at stupid interest rates. My barclaycard is at something like 28% now.
 
Guess I’ll have to do this sort of stuff. Goes against my grain but at this point I’ve done zero to help my score besides registering to vote.
To be fair, you don't actually need to use the credit card much. In fact, you get penalised if you use it too much. I buy a pint on my card once a month and that does the job. The biggest influence has been the mobile phone contract.
 
Interest rates on car finance are probably not great at the moment.

Most dealers have an Fand I department that has relationships with various finance houses and they can give you the info you need.

Lots of options here including leases and pcp as well.

Get hold of the following apps and create accounts:
Credit karma
Clearscore
Experian

Each is tied to one of the credit agencies, use them to track your credit scores.
Thanks,!Credit Karma works for me and seems to guide you through the whole process of improving and applying.
 
Found Credit Karma and Experian a bit hit and miss, and not sure who to actually believe. Credit Karma (Transunion) I’m just under 600 (Fair), but with Experian I’m just short of the max of 999 (Excellent).
 
We used WiFi calling on a vodacom sim with no roaming in california.

Also works with cellular data if you have a dual SIM (including eSIM) phone.

Pro-tip in the UK: esim.net is pretty good (O2 network, and also the only way to get a 1 month rolling contract with an eSIM other than option 2 below, which is a bit more expensive).

If you're travelling elsewhere, check out UBIGI - good data bundle rates in many countries, and it works as soon as you land. Operated by NTT so it's bulletproof reliable. I used this in the UK before getting an esim.net subscription.

Finding out that this works was a complete game changer for me while travelling :

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Thoughts after a year in England.

A lot of the more general stuff has already been mentioned so I’m go try avoid repeating.

We live in the east midlands for context.

-Food, shopping for groceries is tough at first cause none of the brands are familiar. Online grocery shopping is our new norm because it’s just easier to browse and track what we buy.

-no masks,(thinking back now) besides a very brief period when we initially arrived masks are not a thing. Covid isn’t even a thing anymore. And that’s good. Liberating even.

-Leave days, you get a lot of days and mid year(summer) is holiday time. December not so much.

-History, you have pretty much none. Insurance was very expensive and credit score non-existent. It’s weird feeling like you have to start over. Good though, fresh slate.

-Spiders, so many spider webs. Everywhere.

-People are really nice. South Africans have a much harsher way of thinking.

-Driving is bliss, I’m always in the slow lane 10mph under the limit. Roundabouts make so much sense. You just don’t see wrecked cars on the road. Even really old cars somehow seem to have perfectly good chassis on them.

Very few people are rushing to their graves on the road. Bicycles and pedestrians have right of way for the most part and it doesn’t seem to frustrate anyone.

-Kids get a bad rep here but having interacted with a bunch of my kids’ friends I can say that they are mostly decent.

-Schools are fantastic.

-Renting sucks. There is utility in it because you get time to figure out where you want to buy but I don’t like paying rent.

-Work is great, I’ve got a good team and while the job was described as high paced, it’s not. Johazardburg pace is hard to match.

-People aren’t as formal as I’d expected them to be. First time I’ve ever gone to work in shorts and felt comfortable. Working class pride, eff off with your suit.

-No matter what you are into you can find an interest group for it. You will find your people.

-Trains are awesome. Growing up on the woes-rand I forgot how much I love a train ride.

-London is awesome. Have zero desire to live or work there but damn it’s a great place to spend the day.

-Things work.

-The postal service works so people still physically mail you documents.

-No place is crime free but I can’t actually believe what we had become used to as a norm.

-Walking is a thing, and you get into it if you thought you’d like it or not. These are the real outdoor folk. Walking in the streets or your local woods is very enjoyable. Weather smether , rain doesn’t even have you looking for cover.

-Cold, -7 is cold. First time I’ve really felt cold and now 5+ feels warm.

Overall I find the country overwhelmingly beautiful. And we haven’t even gotten further north than Leeds yet.

It’s been an incredibly busy year so I’ll have more to add at some point.
 
-Leave days, you get a lot of days and mid year(summer) is holiday time. December not so much.

-Work is great, I’ve got a good team and while the job was described as high paced, it’s not. Johazardburg pace is hard to match.

-People aren’t as formal as I’d expected them to be. First time I’ve ever gone to work in shorts and felt comfortable. Working class pride, eff off with your suit.

-No matter what you are into you can find an interest group for it. You will find your people.
This is something that is quite odd as a South African. People take leave when they feel like it and there seems to be a healthy work/life balance.
So much so that I find it irritating at times. Ill ask an associate for assistance on a project, they will delay / wont get back to me. Ill follow up just to find out they are went on leave mid project to Spain for 2 weeks.
Try pull that move in SA and you will be out on your ass.


-Cold, -7 is cold. First time I’ve really felt cold and now 5+ feels warm.

It was -7 in Surrey with the last cold front in Nov and I must agree it was REALLY cold. 1st time I wore long jons, beanies, gloves and all that and I was still cold. I am on a bit of a person mission to cycle to work for the entire year, and I think Ill take the bus/car if temps are anything lower than -4 next time.

5 is the new 15. I went to Tesco's in shorts and slops on Sunday and it was 5. Dont even feel it.
 
I have a pro tip for anyone wanting to move ZAR from an SA bank account > GBP in a UK account.

After much research and reviewing:
  • Forex currency conversion fees
  • Swift fees
  • Managing risk in terms of time for monies to clear (with currencies fluctuating)
  • Fees for receiving foreign payments etc;
I've tried and tested the Standard bank Shyft app and its pretty good due to the following reasons:
  • Forex fees sitting at +- 0.5% whist other options I considered were anything from 1 - 1.5% on the capital amount (comparing to Xe.com spot rate)
  • Transfer fee is capped at GBP10 per transaction. No additional fees what so ever.
  • You can complete a transaction from your SA account to your GBP account in under an hour. I transferred funds from FNB > Swyft app (instant transfer @R45). Buy GBP, send to your UK account, boom done.
  • No additional fees to receive money in your UK account. (tried and tested with Monzo & Lloyds) What you see in the Shyft app is what you get.
  • The only disadvantage with Shyft is you can only use your SDA, no ability to use FIA.
 
I have a pro tip for anyone wanting to move ZAR from an SA bank account > GBP in a UK account.

After much research and reviewing:
  • Forex currency conversion fees
  • Swift fees
  • Managing risk in terms of time for monies to clear (with currencies fluctuating)
  • Fees for receiving foreign payments etc;
I've tried and tested the Standard bank Shyft app and its pretty good due to the following reasons:
  • Forex fees sitting at +- 0.5% whist other options I considered were anything from 1 - 1.5% on the capital amount (comparing to Xe.com spot rate)
  • Transfer fee is capped at GBP10 per transaction. No additional fees what so ever.
  • You can complete a transaction from your SA account to your GBP account in under an hour. I transferred funds from FNB > Swyft app (instant transfer @R45). Buy GBP, send to your UK account, boom done.
  • No additional fees to receive money in your UK account. (tried and tested with Monzo & Lloyds) What you see in the Shyft app is what you get.
  • The only disadvantage with Shyft is you can only use your SDA, no ability to use FIA.
I've been using Wise to send money from UK to SA (the other way round). Good rates and low charges.
 
Thoughts after a year in England.

A lot of the more general stuff has already been mentioned so I’m go try avoid repeating.

We live in the east midlands for context.

-Food, shopping for groceries is tough at first cause none of the brands are familiar. Online grocery shopping is our new norm because it’s just easier to browse and track what we buy.

-no masks,(thinking back now) besides a very brief period when we initially arrived masks are not a thing. Covid isn’t even a thing anymore. And that’s good. Liberating even.

-Leave days, you get a lot of days and mid year(summer) is holiday time. December not so much.

-History, you have pretty much none. Insurance was very expensive and credit score non-existent. It’s weird feeling like you have to start over. Good though, fresh slate.

-Spiders, so many spider webs. Everywhere.

-People are really nice. South Africans have a much harsher way of thinking.

-Driving is bliss, I’m always in the slow lane 10mph under the limit. Roundabouts make so much sense. You just don’t see wrecked cars on the road. Even really old cars somehow seem to have perfectly good chassis on them.

Very few people are rushing to their graves on the road. Bicycles and pedestrians have right of way for the most part and it doesn’t seem to frustrate anyone.

-Kids get a bad rep here but having interacted with a bunch of my kids’ friends I can say that they are mostly decent.

-Schools are fantastic.

-Renting sucks. There is utility in it because you get time to figure out where you want to buy but I don’t like paying rent.

-Work is great, I’ve got a good team and while the job was described as high paced, it’s not. Johazardburg pace is hard to match.

-People aren’t as formal as I’d expected them to be. First time I’ve ever gone to work in shorts and felt comfortable. Working class pride, eff off with your suit.

-No matter what you are into you can find an interest group for it. You will find your people.

-Trains are awesome. Growing up on the woes-rand I forgot how much I love a train ride.

-London is awesome. Have zero desire to live or work there but damn it’s a great place to spend the day.

-Things work.

-The postal service works so people still physically mail you documents.

-No place is crime free but I can’t actually believe what we had become used to as a norm.

-Walking is a thing, and you get into it if you thought you’d like it or not. These are the real outdoor folk. Walking in the streets or your local woods is very enjoyable. Weather smether , rain doesn’t even have you looking for cover.

-Cold, -7 is cold. First time I’ve really felt cold and now 5+ feels warm.

Overall I find the country overwhelmingly beautiful. And we haven’t even gotten further north than Leeds yet.

It’s been an incredibly busy year so I’ll have more to add at some point.
Scotland in the summer is amazingly beautiful. Take a long weekend trip up north to Edinburgh by train and make use of local touring services. Definitely worth it.
 
This is something that is quite odd as a South African. People take leave when they feel like it and there seems to be a healthy work/life balance.
So much so that I find it irritating at times. Ill ask an associate for assistance on a project, they will delay / wont get back to me. Ill follow up just to find out they are went on leave mid project to Spain for 2 weeks.
Try pull that move in SA and you will be out on your ass.




It was -7 in Surrey with the last cold front in Nov and I must agree it was REALLY cold. 1st time I wore long jons, beanies, gloves and all that and I was still cold. I am on a bit of a person mission to cycle to work for the entire year, and I think Ill take the bus/car if temps are anything lower than -4 next time.

5 is the new 15. I went to Tesco's in shorts and slops on Sunday and it was 5. Dont even feel it.
Yeah you really have to dial your South Africaness down 5 notches here. You don’t need to have it up at 11 anymore. Just do good work, no need to go to war.

And you weren’t alone in your shorts I’m sure. :) Similarly in summer, shirts not required. Seeing topless dudes in the Tesco is something. You also realise that nobody gives a damn. Pretense level zero.
 
Scotland in the summer is amazingly beautiful. Take a long weekend trip up north to Edinburgh by train and make use of local touring services. Definitely worth it.
It’s on my list. Long and growing list.
 
-No matter what you are into you can find an interest group for it. You will find your people.
Apart from all of SA's obvious ****, this is actually a big pull for me in a general cultural sense, rather than just hobbies from what it seems you're saying.
Much as I'm born here, I'm not African, I have British/Euro descent and a native English speaker, and this minority is dwindling more day by day.
I can't vibe with how Africanized the cultures become. Not complaining lol, to be expected in Africa. But I want to go pubs with English speakers, watch the F1 at Silverstone, watch TV with English hosts and adverts, go to concerts with Western acts, consult with native English speakers in everyday life.
Thanks for your post, very interesting. Family friends moved to Leeds and very happy. I really hope I can make it this year.
 
Apart from all of SA's obvious ****, this is actually a big pull for me in a general cultural sense, rather than just hobbies from what it seems you're saying.
Much as I'm born here, I'm not African, I have British/Euro descent and a native English speaker, and this minority is dwindling more day by day.
I can't vibe with how Africanized the cultures become. Not complaining lol, to be expected in Africa. But I want to go pubs with English speakers, watch the F1 at Silverstone, watch TV with English hosts and adverts, go to concerts with Western acts, consult with native English speakers in everyday life.
Thanks for your post, very interesting. Family friends moved to Leeds and very happy. I really hope I can make it this year.
This is true. I find it pretty jarring watching South African news now.
 
Im still looking for a carbonite.co.za classified clone here in the UK. Ive joined www.avforums.com, but its quite small. Gumtree sucks and Facebook marketplace has more scammers than JHB CBD. Any recommendations?
 
Im still looking for a carbonite.co.za classified clone here in the UK. Ive joined www.avforums.com, but its quite small. Gumtree sucks and Facebook marketplace has more scammers than JHB CBD. Any recommendations?

What are finding wrong with Gumtree? As long as you're only searching the area you're willing to travel in and transact face to face you shouldn't have any problems.

I've done a fair bit of buying and selling on AVF as well. I haven't used eBay to sell stuff for a long time.
 
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