Razi Naqvi

Some conversations stay hidden for years because people are afraid of being judged, misunderstood, or called weak. But silence does not heal pressure, stress, anxiety, or emotional pain.
Chapter 7 of my book talks about mental health in our community — honestly, openly, and without shame.
Sometimes the strongest people are the ones quietly carrying the heaviest weight.
It is time we normalise checking on each other, speaking up, and understanding that asking for help is not weakness — it is strength.

How many people never even apply… because they already believe the answer will be “no”?

Not because they lack skill.
Not because they lack experience.

“People like me do not get these opportunities.”
Apply anyway.
Speak anyway.

Put yourself forward anyway.
You may fail. But do not reject yourself before the world even has the chance to see you.



This is one chapter from my book —
📖 Your Rights, Your Money, Your Family — A Guide for British Asians in the UK
📖 Free on Kindle Unlimited
📱 Kindle — £3.99
📚 Paperback — £7.99
🔗 Search "Your Rights Your Money Your Family Razi Naqvi" on Amazon
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Razi Naqvi — Author

Your children are not just part of your life — they become your life.

After the stress of work, traffic, bills, and responsibilities, one smile from your child can make the whole day feel lighter. That love is one of the greatest blessings Allah gives us.

But being a parent is more than providing food, clothes, and shelter. It is a lifelong responsibility. Our children are an amanah — a trust. The way we raise them, guide them, speak to them, and educate them will shape not only their future, but our legacy too.
In the Quran, we are reminded that our children and wealth are a test for us. The question is not whether we love our children. Most parents do. The real question is:
Are we preparing them for life, character, faith, and the world they will face tomorrow?
One of the greatest investments you will ever make is not in property, business, or status — it is in your children.

This is one chapter from my book —
📖 Your Rights, Your Money, Your Family — A Guide for British Asians in the UK
📖 Free on Kindle Unlimited
📱 Kindle — £3.99
📚 Paperback — £7.99
🔗 Search "Your Rights Your Money Your Family Razi Naqvi" on Amazon
Share this. Someone in your family needs to read it today. 🤲
Razi Naqvi — Author

💰 The student loan truth nobody tells British Asian parents

Your child only repays when they earn above £27,295. Below that — nothing. That part is true.
But here is what nobody mentions.

The more your household earns — the more the government expects YOU to contribute towards living costs.

Household income £45,000 — approximately £4,000 per year from your pocket.
Household income £60,000 — approximately £5,200 per year.
Three year degree — up to £15,600. After tax. Money you already worked for.
Meanwhile a family with zero declared income contributes nothing.
Fair? No. But you walk these streets with your chin up. You built what you have honestly. That counts for everything.
Check your exact contribution free at gov.uk/student-finance-calculator before your child applies.

From my book — Your Rights, Your Money, Your Family.

📖 Free on Kindle Unlimited

📱 Kindle £3.99 — https://www.amazon.co.uk/British-Asian-Guide-Rights-Family-ebook/dp/B0GX32HDYP

📚 Paperback £7.99 — https://www.amazon.co.uk/dp/B0GXY8QF2D

Share with any parent whose child is approaching university age. 🤲

Razi Naqvi

📜 Let me tell you about Rashid.
Rashid was a good man. Hardworking. Generous. Everyone in the community liked him.
But Rashid never got around to writing a will.
He always meant to. He just never did.
Scenario 1.
Rashid dies suddenly. No wife. No children. £100,000 in the bank.
His family in Pakistan cannot automatically access it. The money sits with the bank. After years of inactivity it goes to the government.
One man's lifetime of work. Gone.
Scenario 2.
Rashid has a Nikah but no legal marriage. Two children. A house.
He dies without a will.
His wife — not legally his wife under English law — has no automatic right to the home she raised her children in.
She could lose everything.
Scenario 3.
Rashid is legally married with two children but no will.
Most people assume the spouse gets everything automatically.
She does not.
The spouse gets the first £322,000 and half of everything above that. The children get the rest — held until they turn 18.
If the house is worth £400,000 and there is little cash — she may be forced to sell the family home to release the children's share.
The solution?
One afternoon. One solicitor. £150 to £300.
A will that protects everyone you love.
✅ Get legally married — not just Nikah
✅ Write a will today
✅ Name a guardian for your children
✅ Set up Lasting Power of Attorney
✅ Find a solicitor at solicitors.lawsociety.org.uk
"Love without a plan is just a wish."
This is one chapter from my book —
📖 Your Rights, Your Money, Your Family — A Guide for British Asians in the UK
📖 Free on Kindle Unlimited
📱 Kindle — £3.99
📚 Paperback — £7.99
🔗 Search "Your Rights Your Money Your Family Razi Naqvi" on Amazon
Share this. Someone in your family needs to read it today. 🤲
Razi Naqvi — Author

🇵🇰 Pakistani sisters — do you know your legal rights if your marriage breaks down?

This is something most Pakistani women in the UK do not know exists.

If you had a Nikah in Pakistan — even years ago — there is an official document that proves your marriage is legally recognised in the UK.

It is called the Family Registration Certificate.

Here is how to get it in under 10 minutes from your phone.

📱 Download the PAK ID app — this is the official NADRA app from the Government of Pakistan.
✅ Create an account
✅ Enter your Pakistani ID card number
✅ Navigate to Family Registration Certificate
✅ Pay 1,000 rupees — under £3
✅ Your complete family record arrives instantly — showing your legal marriage
This document is recognised under UK law as proof of a legally conducted overseas marriage.
With it — a UK family solicitor can proceed with court proceedings giving you the same legal protection as any civilly married woman.
Without it — you may have no automatic legal rights to your home, your finances, or financial support if the marriage ends.
Knowledge protects you.
This is one page from my book —
📖 Your Rights, Your Money, Your Family — A Guide for British Asians in the UK
A whole chapter is dedicated to family law, Nikah versus legal marriage, and protecting yourself and your children.

📖 Free on Kindle Unlimited

📱 Kindle — £3.99

📚 Paperback — £7.99

🔗 Search "Your Rights Your Money Your Family Razi Naqvi" on Amazon
Or click the link in bio.

Share this with every Pakistani woman you know. It could change everything for someone. 🤲

Razi Naqvi — Author

🌙 The Eid nobody talks about - Eid ul Adha. 1st February.

Everyone in the house went to work.
I did not know where the mosque was. I did not read Eid namaz. I sat alone in a house in London — on one of the most important days of the Islamic calendar — in a country that was not marking it at all.
I called home and told everyone it was great.
It was not great.

I was 19 years old. Not a single friend in this country. I would wake up in the middle of the night and walk the streets — not because I was lost geographically — but lost in a way that had nothing to do with roads.

On Skype I watched old friends from Lahore. New clothes. Nights out. Laughing.
I looked at my own clothes. The same ones I had brought from Pakistan.
If you have lived this — you already know.
If someone you love is living this right now — send them this post. Tell them it passes. Tell them they are not alone. Tell them the struggle is not a sign they made the wrong decision.
It is the price of the right one.

This is one chapter from my book — Your Rights, Your Money, Your Family — A Guide for British Asians in the UK.

📖 Free on Kindle Unlimited

📱 Kindle £3.99 — https://www.amazon.co.uk/British-Asian-Guide-Rights-Family-ebook/dp/B0GX32HDYP

📚 Paperback £7.99 — https://www.amazon.co.uk/dp/B0GXY8QF2D

Share this with someone who needs to hear it tonight. 🤲

Razi Naqvi

The British Asian Guide: Your Rights, Your Money, Your Family This book was not written by a lawyer, a financial advisor, an academic, or a policy expert. It was written by someone who got on a plane at nineteen years old, landed at Heathrow with a suitcase and a dream, and spent the next two decades learning — sometimes painfully — how this country works....

😈 The Devil Within — the chapter our community needed but nobody wrote
There is a person you know.

They arrived before you. They figured out the system. They know how benefits work, how to navigate housing, how to access support, how to build wealth in this country.

And when you ask them for help?
They smile. They nod. And they tell you just enough to send you in the wrong direction.
Not racism from outside. Not discrimination from institutions.
This is what we sometimes do to each other.

I call it the Devil Within.
I have seen it with my own eyes.

Someone who claimed £50,000 in Covid loans across five companies — then declared bankruptcy — then reappeared two years later with a new business, a new property, and a cunning grin.

Married couples claiming to be separated so the wife gets a council house — then quietly reuniting without telling anyone.

People withholding benefits knowledge from their own community — not because they do not know — but because they do not want you catching up with them.
The Devil Within wins by keeping you in the dark.
You defeat it by turning the light on.

This is one chapter from my book — Your Rights, Your Money, Your Family — A Guide for British Asians in the UK.

📖 Free on Kindle Unlimited

📱 Kindle £3.99 — https://www.amazon.co.uk/British-Asian-Guide-Rights-Family-ebook/dp/B0GX32HDYP

📚 Paperback £7.99 — https://www.amazon.co.uk/dp/B0GXY8QF2D

Tag someone who needs to read this. 🤲

Razi Naqvi

The British Asian Guide: Your Rights, Your Money, Your Family This book was not written by a lawyer, a financial advisor, an academic, or a policy expert. It was written by someone who got on a plane at nineteen years old, landed at Heathrow with a suitcase and a dream, and spent the next two decades learning — sometimes painfully — how this country works....

⚖️ If police ever stop you or your child — read this

Most people in our community do not know this exists.
When police stop someone in the UK, they are legally required to tell you specific information. There is a word that helps you remember exactly what to ask for.
GOWISELY

G — Grounds. Why are they stopping you?
O — Object. What are they searching for?
W — Warrant card. Show me your ID.
I — Identity. Your name please.
S — Station. Which station are you from?
E — Entitlement. I am entitled to a written record.
L — Legality. Under what law are you doing this?
Y — You. I must be told I am being searched and why.

If they cannot answer these — that stop may be unlawful.

Write it down. Screenshot it. Teach it to your children before they ever need it.

A 14 year old boy from our community ended up with a dislocated shoulder after a stop. His father did not know his rights. One phone call to someone who did — changed everything. Case dismissed. Officer under investigation.
Knowledge is protection.

This is one chapter from my book — Your Rights, Your Money, Your Family — A Guide for British Asians in the UK.

📖 Free on Kindle Unlimited

📱 Kindle £3.99 — https://www.amazon.co.uk/British-Asian-Guide-Rights-Family-ebook/dp/B0GX32HDYP

📚 Paperback £7.99 — https://www.amazon.co.uk/dp/B0GXY8QF2D

Share this. Someone in your family needs it. 🤲

Razi Naqvi

The British Asian Guide: Your Rights, Your Money, Your Family This book was not written by a lawyer, a financial advisor, an academic, or a policy expert. It was written by someone who got on a plane at nineteen years old, landed at Heathrow with a suitcase and a dream, and spent the next two decades learning — sometimes painfully — how this country works....

I am so excited and grateful to Allah Almighty to receive a paperback copy of my first book. It would not have been possible without his help, parents prayers and family's support.

Alhamdolillah

🏠 Renting vs Buying — the simplest explanation you will ever read

Mortgage payment — £500 a month.
£250 goes to the bank as interest. Gone.
But the other £250? You are paying back the actual loan. That money does not disappear — it comes back to you as ownership of your home.

Think of it this way.

You take money from your shirt pocket and put it in your trouser pocket. Same money. Different destination. The trouser pocket is yours — you just cannot spend it yet.

And while you are doing this every month — the house itself goes up in value. A £180,000 house today could be worth £240,000 in ten years. That gain happens while you are simply living your life.

Rent? Every pound is gone. Forever. Someone else's trouser pocket.
I paid rent in London for 16 years. I own nothing from those 16 years. Not a single brick.

This is one chapter from my book — Your Rights, Your Money, Your Family.

📖 Free on Kindle Unlimited

📱 Kindle £3.99 — https://www.amazon.co.uk/British-Asian-Guide-Rights-Family-ebook/dp/B0GX32HDYP

📚 Paperback £7.99 — https://www.amazon.co.uk/dp/B0GXY8QF2D
Share if someone you know needs to read this. 🤲

Razi Naqvi