HE WONT RETURN THE £500 PER MONTH RANGE ROVER AND WE ARE BROKE
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- Опубліковано 1 січ 2022
- HE WONT RETURN THE £500 PER MONTH RANGE ROVER AND WE ARE BROKE is a UA-cam live stream that looks into the current life of a black couple that made ugly monetary decisions and how the idea of keeping up with the Jones affected their family adversely.
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We're a simple people for true. I'm in my fifties and a single parent but was mortgage free at 40. I dress modestly and wouldn't be seen dead in designer wear. Much to independent minded for that!
Same here
Mortgage free , car finance free, not a gold or party addict
I sleep like a baby
You can have designer clothing, and a house and car and investments. They aren't mutually exclusive. It isn't one or the other. It all depends on your financial wisdom and income.
Spending yourself to debt to impress people who really don't care. This is the modern day madness some people participate in.
Mr. Phrankleen, ur biggest gift is ur ability to analyse things nd make it easy for a layman to understand. U are indeed a gift to everyone who watches ur program. Thanks!
Thanks 🙏🏾 for the kind words, greatly appreciated
U are welcome sir!!!
Yes he is hopefully some people will change their life after listening to this
Is new year new beginnings
When you mentioned Bicycle, it reminded me of my time in China. Chinese will be riding bicycles, but when they come into the HSBC bank, they leave with sacks of money. That really taught me lots of things in life.
I don't wear clothes with obvious branding because I am of the mindset that these brands should pay me to be seen in their clothes, not me paying them to advertise for them.
My car note is 250 euros per month, it used for my job from point A to point B
When you're contracting you need to save for a rainy day. People think contractors are swimming in money but when you break down the expenses , taxes & IR35 it gets quite difficult
Word 👌🏾🔥
I'm a mechanic here in the UK and I can testify that a simple repair on a Range Rover can easily get to £1000 and again these cars breaks down frequently even when they're new, I fix them all the time, the brother must return the car for the sake of his family.
People make terrible financial decisions to get validation from people who do not give a two hoots about them and then live the consequences of those decisions on their lonesome. Ruining your life, marriages, sleep.
So darn right ✅
Thanks for the video. I really find it difficult to understand why people live for show, it's beyond me.
Is this my neighbor’s story 🤣🤣🤣🤣 I won’t be surprised 😲😅
Well this showing-off mentality is one of the main reasons why a lot of us don't accumulate generational wealth in the diaspora,,, Mann we have to do better.
Wishing you all the prosperity in this new year Phrankleen,,
A lot of times if you spend too much on your main residence it usually won't add value to the house when you want to sell. They watch too much grand design forgetting that any amount you invest in your main home is sunk cost and usually unrecoverable when you want to sell. Forget about what the banks tell you about what the value of your property is. You will find out the true cost when you sell it! We need to understand finance and money management
Totally true. Here in America, a property does not increase in value just because you invested in its interior
It depends on what kind of renovation/development you do. Here in Canada, a developed basement increases the value of your property.
Never have the biggest or most expensive house on your street. You won't recoup what you spent. If you sell, buyers and realtors will look at the average price for homes around you.
I was struggling with my rent as a single parent...I was tired of using all my money to pay rent...I decided to put my stuff in storage and rented a room from a family member. I saved and bought a house....no more stress.
Awesome! that's an inspiring story / journey.
Mortgage nko? That's another kettle of fish
@@tayokarate my rent was $1750 for 2 bedroom 2bathrooms....my mortgage is $1200 for the same 2bed 2bath...
@@bebebe1354 mehn I don't really like this abroad life style mortgage and debt life style. I m definitely going back to Naija after some years I ll start buying properties and investing back in naija .One can lose this same house after paying the expensive mortgage down payment if things go sour and one misses out on payments .Well done on your purchase
@@tayokarate I’m British Nigerian and I’m going back to. Nigeria after uni. I’m starting hair business and poultry business. Then have a shopping mini mart. I bought a land at 21 I will build my house on and my partner said I can use his land for the poultry. Abroad is overrated. Debt lifestyle. Foreigners are moving to Africa to make money
When making financial decisions it is important to separate wants and needs and consider purpose and low cost
Thanks brother you are a gift to those of us who find you
Happy new year
Ahh I missed the live again🙆🏾♀️ that IR35 really messed it up for us. I remember in 2020 one guy literally cried as they let him go and he had just got a new Range. Financial literacy is key for us and required in the black community. This is why I respect Asians for this aspect.
Phrankleen keep on being our light.👏🏾
Wow you said Asians, you are not lying👍🏿👍🏿. See my comment outside this thread.
😁😁😁 People always think the other groups are good at something their group is lacking. They are not. Asians borrow money from each other to start businesses and if they don't repay it's h e l l to pay. Many of them are gamblers. If you go to a race track or casinos you'll see them there. Have you noticed they are in their business 24/7 and they seldom go on vacation? That's because they have debt. I have them as inlaws. They would considered good business people to those who don't know how much of a gambler they are.
@@blakestam6235 see my reply below. If only people know orher groups are not doing any better than they are doing.
Phrankleen., many African parents do not know how to teach their children nothing, learning by yourself as most of us have done makes you stronger.
Wishing you God's Peace in 2022 brother - great topic
Happy New Year my brothers and sisters,Mr Phrankleen thanks for this message especially for the beginning of the year,bro you’re a blessing thanks we all so need this real talk,class has started already
There are no mistakes, only lessons, happy new year 🎉🥳🥳🎉 Man ahead of his time.....
Just stumbled across your channel very interesting I'm Australian live in Sydney thank you
Happy new to you too all the way from Michigan!
live frugal!!!! That’s the true British way for those who don’t know.
I observed this from school, my teachers always wore simplicity and minimalist outfits
Yeah because their government eats them
Hmmm. Facts spoken. I enjoyed this a tad too much. Learned a lot too. J from Dallas.
Happy new year Phrankleen! Thanks for your educating and hilarious videos in 2021!
HAPPY NEW YEAR PHRANKLEEN!!!... HOPEFULLY PEOPLE WILL BECOME WISER THIS YEAR FROM YOUR STORIES LAST YEAR....😀😀😀...ITS SO SAD PEOPLE's OBJECTIVE IS TO LOOK RICH RATHER THAN TO BE RICH......
23 minutes in and loving it already 👏🏾👏🏾👏🏾
Tha big man Phranko el Nero . Happy new year to you and your family. I wish you guys the very best of 2022!!
Happy new year to you bro
listen to your video for the first time
Nice one
I cycle too, the looks I get from some our people 😅
Phrankleen you are an advice Guru.
Returning a vehicle in the middle of a contract is known as a voluntary repossession. It's unhealthy for your credit & can affect you for a lengthy period. Also it could have been informative to find out if the Range was a lease or purchase. Range Rovers have bad resale value & depreciate rapidly. Regardless, the individual seems to be keeping up with the jones.
Great episode bro!
your stories are so well narrated well spoken, your english is very good , you dont speak much nigerian so we all understand
My brother, you are speaking TRUTH!!! My ex-husband and I always said that we would live on 1 income, and still have some money left over for savings. The other person’s check would also go into savings. It served us well, and even though we are no longer married, I still follow his advice. People not only buy expensive stuff that they can’t afford, but they make the fatal mistake of living off 2 incomes.
Happy new year Phrankleen.
Your channel teaches a lot about financial discipline, don’t ever stop! You might not know but you’re helping a lot of people. You see that small small Yoruba you chip in, damn I love it. “Iyan je bobo yi, Ori e ti daru” 😂 I had to rewind that part. People would let humans push them to their end, and they won’t pull you up when you’re sinking.
Phrankleen ,l wish you could tell our people these good stuff in the town hall rented by me.
When it comes to LIFE Believe me or Not
Phrankleen I have learned a lot from ya channel
The only education on finance that I ever received was to ‘work hard, get a good job and then start looking after parents and siblings’. I will definitely teach my children to make money, spend as little as possible, look after themselves, and pass some business/inheritance to their own children. #can’tkillmyself.
The goal is to build an authentic lifestyle not tied to financial stress because you want to impress people who don't even care about you.
Wealth can be made up of many different assets. A car is not unless it is a collectible and rare in the world. Range Rover is not in this category of an asset. A lot of men's egos are causing financial ruins in a lot of relationships. Wise up fellas!
Big ups bro
brother we are destroying mental and that is the problem away kids are problem
Happy New Year 🎉
I live in Manchester over a decade now Phrankleen. Yes you're 100% correct that some people pay more than £500 for a car every month. It's absolutely madness, but sadly is true.
happy new year phrankleen
Happy New Year 👋🏾😁
You right phrank. even in Nigeria you see a boy or a girl not working but using a phone of over 300,000 Naira just to prove status.
What is your Net Worth …
Net worth is the value of all your assets, minus your liabilities.
Some of us are in negative net worth…
While your income could help in wealth building, your spending habits gives you the speed to go further or backwards.
Some of us behave like we have hot charcoal in our hands when we have money… spend .. spend…. spend .
Ask yourself if I continue to spend this way in my productive years how will I fund my lifestyle in my none productive years if I don’t practice financial discipline and delay gratification.
Nothing wrong in living basic or frugal if and when you can.
You are Ace Phrankleen .
Fact.
I can never impress people. I live according to my means. Happy new year folks.
I thought i was the only one on this table...maybe I'm just allergic to oppression or impressing people
Some of us with sense are still around my dear. I don't compete with neighours, family or friends. I love my peace of.mind and have always cut my coat according to my size. I have no credit and owe no one money and that's what I tell and teach my children to do.
@@Jooniebug really nice hey.....exactly how it's supposed to be
❤️❤️❤️❤️❤️❤️❤️
Cycling is something you do on your leisure time. Cycling is fun.
That's true 👍🏼
It is so amazing how a lot of us will realize ourselves only when it is to late, a lot of our families will love us more if we flex all the times to their advantage.
So, Frank, there are a lot of factors we need to consider about this range.. how long (months) has he paid for and what he can recover... returning it might not be the option... he could sell and repay the balance to the garage and use the difference to buy another car
True
This is a tough one! I see where the man is coming from because it's a status thing and the way people perceive you could determine the kind of businesses that come your way. If people see you as a bad investment, it could affect your bounceback ability.
However, when you have a family, you must let your head assist you in decisions not your heart. It's a no brainer for me....drop the Range and get something more affordable because of the greater good i.e. the sanity of the family
He needs another job just to pay his car note!
It Adron homes right? Am here trying to google?
All that could be
For pention later.
Lots have nothing
Common sense is not common,
Im a beautician working in a parfyme classic boutique..
I never buy of l those big names.
I buy my stuffs in a shop that i can afford.
I please myself not anymore,i dont care what people say!!
Good job , keep it up. My name is Valentine
For many outside the UK & US. These are usually the reasons for marital breakdown in the diaspora. When you both come struggling to having good jobs but, you've moved with certain groups with these status competition. You want self preservation of your outward status despite losing your job and struggling to secure another. You put your children and wife through Hell by keeping hold of this stoopid car that depreciates. You'd rather that your children receive rubbish education than give up material vanity stuff. You live a lie outside meanwhile your family are suffering. You are packaging yourself outside to be among the 'Big Boys'. Your car is a status symbol so that the respect. Buying Aso-ebi and the accessories with designer labels is your priority. Yet, you can't invest in your child's education. I can't understand this 'keeping up with the Joneses'. Unless, you are a Doctor - Registrar level upwards- that can never be unemployed ( in the diaspora) except that you are struck off, don't flex living a life of fakery or seeking peer validation because you want your peers to 'see me now'.
Contracting can be quite tricky. They pay those pretty high £500 per day rate for a reason.
Job security is low, no pension contributions, no holiday, sick pay etc and the lead time between end of contract and finding a new role can be protracted at times.
The wife is down to earth conservative and prudent. There is always peak and trough in life. You take it the chin and move on.
Well said 👌🏾🔥
She appears to be the man in this case
Good topic, very common in canada, majority of them are not investing or planning to go back home , they want to remain working 7am to 6pm jobs , God ve mercy
True! I live here too. 98% of the population in Canada are living on credit: car loans, Mortgage, student loans, credit cards and etc.
In laymen's terms, a flop is a flop is a flop.
I just got a job in Wrexham really thinking of moving
Do your research you will barely see Igbo people in this status update. The £800 sneakers will buy you 175 bags of cement at N4,100. U done finish German floor o. Nna this ppl should think na.
Pls don't say what you don't know......igbos are sitting like a king on this table...there's a lot of competition among them.
@@johnsontobi6432 so it is you that will tell me about my people? Go and check the competition amongst them, it’s a very healthy competition, not with cost of material things like designers shoes, bags etc. they compete on how many houses hv u built, how many ppl have you helped? That is a healthy competition, it put u on the spot to work hard and build your community.
@@coxmoxmark2961 lies
@@diplomatdiplomat2800 yimu 🙄..... in this particular world where I'm in.....I see how they behave and constant fight on irrelevant things....
Who are those people buying 800pound sneakers , there is nothing u are doing with 800 pounds sneakers if u are not earning 100k up
Status symbol is owambe mentality.
Fact
If you were to ask me, l think abroad is not a good place for show off,because things can change within the split of a second.
For me, it is either a Toyota or a Honda
UK is big, move out to affordable areas for a better quality of life. Also cycling is a fantastic way to exercise. Never buy cars on HP, total rip off, even if you return the car you can be penalised for doing so. Thks
Jobs
OUR PEOPLE SAY " CUT YOUR COAT ACCORDING TO YOUR CLOTH " ........THE PRESENT PRIME MINISTER OF UK USED TO RIDE ON BIKE TO THE HOUSE OF PARLIAMENT ..............LET OUR PEOPLE PUT ON THEIR THINKING CAP .
In The netherlands riding a bike is a way of life . the prime minister ride a bike to work. Nigerian mentality
If he is adamant holding to the car, he should be mindful and humble enough to do some little little job to raise the £500.
Classic looking rich than been wealthy.
Thank Allah swt who created the universe, my brother.
How do you think Gucci makes money? It's because their stuff are very expensive
when you speak yoruba to explain some critical point's, it goes deep Inside.
I don’t get why people can’t live outside London like up north or cheaper places….why? And it’s mostly black peoples who can’t afford it…..
The new Range Rover is already out (5th Generation); so his Range is old already, poor chap, its not easy to publicly drop status. i wish him and his wife resolve this amicably
Well...it's easy if you make it so especially considering circumstances that's not in your control. It's difficult only if you feel like you have to make appearances, much like how people portray their lives on Instagram.
Hi Frankie good morning, I like your videos, one thing I've learned on your videos is that " don't play God " when you live overseas and go back to visit , what ever you are saying goes out to every human being not only Nigerians
The guy should give up the car, they will only talk about you for a short while and move on. So many bad financial decisions, 2 car notes, loans for home improvement. Phrankleen not sure about UK but on the USA there are so many financial literacy programs/podcasts you tube. Eg dave Ramsey, financial independence retire early (FIRE) that folks could educate themselves from.
Yup, all that is here in the UK. The issue is, our African people do not listen. Many are concerned with appearing rich and well off than making good financial decisions.
I sent u email but I have not got response from you brother.
The most richest men in the world don't exploit their wealth like we do They buy their clothes off the clearance rack-
You pay 50% tax
He didn't realise he's bankrupt.
Somebody said he should have used it to make money. Hmmm. I used to work with a company in Lagos, My boss got a good deal from this oil company and used bought a lot of cars. One day he had a meeting with the client's MD, he just looked at him funny like man 'what I want is get my job done.'
Also this idea you escape liability by putting on cooperation might not be true. Recently the biggest real estate investor in China was order to pay off debt of $300b. All these ideas really don't work. The best advise is just don't get in a mess.
Thank you ❤️ from S.A🇿🇦 don't be a ppls pleaser
These are the people that sent falsch impressions.
To Africa.you cabt blame the africans for thinking
All in UK got money.
Very sad
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