What financial planning should newly arrived Zimbabweans prioritise?

First priorities: open a bank account (digital banks like Monzo or Starling are easiest), get an NI number application started, and set up your workplace pension (do not opt out). Within the first few months: build an emergency fund of at least 1,000 pounds, set up a regular remittance schedule to family (automatic recurring transfers save time and stress), register on the electoral roll (builds credit). Within the first year: apply for a credit builder card and use it responsibly to build credit history. Understand your tax code and check payslips for accuracy. Start budgeting for both UK expenses and Zimbabwe obligations — many Zimbabweans find that dual financial responsibilities are their biggest source of stress. Consider: how much you can sustainably remit without compromising your own stability, life insurance (especially if family depends on your income), and joining a burial society. Avoid: payday loans, catalogue credit, and buy-now-pay-later traps that can spiral. The UK cost of living, especially housing and transport, often shocks new arrivals. A realistic budget before arrival helps manage expectations.