From growing up in Ukraine during the economic crisis when necessities like food were scarce, Nadiya Albishchenko today owns a food trading business and properties in the UAE.
The Ukrainian, 42, grows her wealth by reinvesting money in her company and buying properties in Dubai.
“When I first arrived in the UAE in 2006 at the age of 23, it was clear to me that this country was where I wanted to build my future,” Ms Albishchenko says.
“After navigating the job market, I secured a job and my first residence visa in 2007. Since then, the UAE has been my home. I received a golden visa last year.”
UAE jobs: Your ultimate salary guide for 2025
Ms Albishchenko holds two master's degrees in business management, and genetics, from Ukraine.
She lives in her own apartment in Arjan, Dubai, with her husband, an entrepreneur, and two kids, aged 12 and eight. The family will soon move to a villa they purchased in Damac Hills 1 in Dubai.
What was your first job and salary?
My first real job was in administration in a trading company in Ukraine in 2001 at the age of 18. My salary was a modest $50 a month, but at the time, it felt incredibly rewarding. It was my first taste of financial independence, and I was proud to be earning my own pocket money. That experience, though humble, marked the beginning of my professional journey and developed in me the value of hard work and persistence.
My first job in the UAE was as a channel sales executive with a food trading company for a monthly salary of Dh6,000 in 2007.
Tell us about your current role. What is your income now?
In 2015, I founded Inas Exim, a food trading company. Today my business has a turnover of more than $3 million annually. Starting on my own was not easy – especially as a woman in a competitive, fast-paced market – but I’m proud of what I’ve built.
On average, I earn about Dh35,000 a month.
Do you manage to save and have considerable savings?
For me, business is not solely about saving – it's about strategic reinvestment. I continuously reinvest into new products, projects and market expansion to ensure long-term growth. A significant part of that investment is also directed towards real estate in the UAE.
I don’t save a lot, but I have some money saved in bank accounts in Canada and Ukraine.
What asset classes do you invest in?
My most significant investment is in myself – through my business. I also invest in residential properties in the UAE.
I began investing in property in 2007, when I co-purchased my first apartment in Ukraine, my home country. I haven’t been able to return since the Covid-19 pandemic, and later due to the continuing war, especially as a mother prioritising the safety of my children.
This is why I’ve chosen to invest and build my life in the UAE. Over the past 10 years, I’ve invested in several properties here. I own two properties in Arjan and Damac Hills 1 in Dubai. I want to sell the Arjan apartment because I feel it's more profitable to invest in townhouses. I bought it for Dh676,000 in 2015 and purchased the Damac Hills villa for Dh2 million in 2021. The villa's value has appreciated to more than Dh3.5 million.
Also, I’ve invested in intellectual property through the publication of my book, Synergy: A Synopsis of an Elite Business Partnership. The book enhances my personal brand and shares my entrepreneurial philosophy.
Do you have any debt?
Being in business, it is always better to buy assets on a loan and use the funds to grow and develop your business. When I buy property, I take money from my business using a credit card and convert it into instalments. When I sell property, I put the cash back into my business account. Liquidity is very important to a business owner.
Have you ever inherited a sum of money?
No, I have not inherited any wealth. I am a first-generation entrepreneur, and everything I’ve built has come from my own vision and hard work. The UAE has given me a platform to turn my dreams into reality.
Growing up, were you taught how to handle your finances?
My biggest struggle was growing up in Ukraine during the economic crisis – basic necessities like food were scarce. I remember my parents waking up at 5am to queue for hours just to get milk or bread, often returning empty-handed. That hardship taught me resilience and the value of every opportunity.
Those early struggles shaped my discipline: I don’t fear scarcity, but I respect its lessons. Now, when I see my children’s security or my company’s success, I’m reminded that hardship can fuel greatness – if you let it.
What are your major monthly expenses?
Living in one of the most expensive cities in the world, expenses are always a challenge. Budgeting is the key factor to manage your lifestyle in Dubai. Schooling for children is my biggest expense and it amounts to about Dh85,000 a year.
I make sure my business is not burdened by heavy rents and my house is rent-free.
How do you budget your income every month?
I prioritise fixed expenses first (maintenance bills, school fees), then reinvest in my business for growth. I set aside funds for family celebrations in advance – after my childhood scarcity, I value planned joy.
The rest goes to savings and investments, with a small allowance for spontaneous pleasures. Budgeting isn't restriction; it's freedom through control.
Have you started saving for retirement?
A business owner never retires. My biggest investment is growing my business, educating my children, growing myself and investing in new properties.
Do you have an emergency fund?
One always has a backup. Even though most of my funds are invested, I have managed to keep some funds in my foreign exchange account in case of a rainy day.
What do you spend your disposable income on?
Travel is my greatest passion – ever since childhood, I dreamt of exploring the world beyond Ukraine's borders. Now, I invest my disposable income in unforgettable family trips that blend adventure with cultural discovery.
Do you worry about money?
Yes. One always needs to be cautious with money and keep a watch over it. It does not mean you have to only focus on it, but one needs to be alert always.
Do you earn passive income? How did you build it?
Yes, I’ve built several passive income streams by leveraging my experience. I earn through management consulting for growing food and beverage brands, paid speaking engagements on leadership and royalties from my book.
What are your financial goals?
My short-term goal is to scale my business and assets; and long-term goal is to achieve freedom where passive income funds both luxury and legacy.
What is your idea of financial freedom?
Being able to purchase anything without thinking twice.
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Dhadak 2
Director: Shazia Iqbal
Starring: Siddhant Chaturvedi, Triptii Dimri
Rating: 1/5
Financial considerations before buying a property
Buyers should try to pay as much in cash as possible for a property, limiting the mortgage value to as little as they can afford. This means they not only pay less in interest but their monthly costs are also reduced. Ideally, the monthly mortgage payment should not exceed 20 per cent of the purchaser’s total household income, says Carol Glynn, founder of Conscious Finance Coaching.
“If it’s a rental property, plan for the property to have periods when it does not have a tenant. Ensure you have enough cash set aside to pay the mortgage and other costs during these periods, ideally at least six months,” she says.
Also, shop around for the best mortgage interest rate. Understand the terms and conditions, especially what happens after any introductory periods, Ms Glynn adds.
Using a good mortgage broker is worth the investment to obtain the best rate available for a buyer’s needs and circumstances. A good mortgage broker will help the buyer understand the terms and conditions of the mortgage and make the purchasing process efficient and easier.
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Quick facts on cancer
- Cancer is the second-leading cause of death worldwide, after cardiovascular diseases
- About one in five men and one in six women will develop cancer in their lifetime
- By 2040, global cancer cases are on track to reach 30 million
- 70 per cent of cancer deaths occur in low and middle-income countries
- This rate is expected to increase to 75 per cent by 2030
- At least one third of common cancers are preventable
- Genetic mutations play a role in 5 per cent to 10 per cent of cancers
- Up to 3.7 million lives could be saved annually by implementing the right health
strategies
- The total annual economic cost of cancer is $1.16 trillion
The five pillars of Islam
Killing of Qassem Suleimani
Results
1. Lewis Hamilton (Mercedes) 1hr 32mins 03.897sec
2. Max Verstappen (Red Bull-Honda) at 0.745s
3. Valtteri Bottas (Mercedes) 37.383s
4. Lando Norris (McLaren) 46.466s
5.Sergio Perez (Red Bull-Honda) 52.047s
6. Charles Leclerc (Ferrari) 59.090s
7. Daniel Ricciardo (McLaren) 1:06.004
8. Carlos Sainz Jr (Ferrari) 1:07.100
9. Yuki Tsunoda (AlphaTauri-Honda) 1:25.692
10. Lance Stroll (Aston Martin-Mercedes) 1:26.713,
Other simple ideas for sushi rice dishes
Cheat’s nigiri
This is easier to make than sushi rolls. With damp hands, form the cooled rice into small tablet shapes. Place slices of fresh, raw salmon, mackerel or trout (or smoked salmon) lightly touched with wasabi, then press, wasabi side-down, onto the rice. Serve with soy sauce and pickled ginger.
Easy omurice
This fusion dish combines Asian fried rice with a western omelette. To make, fry cooked and cooled sushi rice with chopped vegetables such as carrot and onion and lashings of sweet-tangy ketchup, then wrap in a soft egg omelette.
Deconstructed sushi salad platter
This makes a great, fuss-free sharing meal. Arrange sushi rice on a platter or board, then fill the space with all your favourite sushi ingredients (edamame beans, cooked prawns or tuna, tempura veggies, pickled ginger and chilli tofu), with a dressing or dipping sauce on the side.
Semi-final fixtures
Portugal v Chile, 7pm, today
Germany v Mexico, 7pm, tomorrow
THE BIO
Favourite author - Paulo Coelho
Favourite holiday destination - Cuba
New York Times or Jordan Times? NYT is a school and JT was my practice field
Role model - My Grandfather
Dream interviewee - Che Guevara
Mia Man’s tips for fermentation
- Start with a simple recipe such as yogurt or sauerkraut
- Keep your hands and kitchen tools clean. Sanitize knives, cutting boards, tongs and storage jars with boiling water before you start.
- Mold is bad: the colour pink is a sign of mold. If yogurt turns pink as it ferments, you need to discard it and start again. For kraut, if you remove the top leaves and see any sign of mold, you should discard the batch.
- Always use clean, closed, airtight lids and containers such as mason jars when fermenting yogurt and kraut. Keep the lid closed to prevent insects and contaminants from getting in.
UAE currency: the story behind the money in your pockets
UAE currency: the story behind the money in your pockets
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More coverage from the Future Forum
Company: Instabug
Founded: 2013
Based: Egypt, Cairo
Sector: IT
Employees: 100
Stage: Series A
Investors: Flat6Labs, Accel, Y Combinator and angel investors
Benefits of first-time home buyers' scheme
- Priority access to new homes from participating developers
- Discounts on sales price of off-plan units
- Flexible payment plans from developers
- Mortgages with better interest rates, faster approval times and reduced fees
- DLD registration fee can be paid through banks or credit cards at zero interest rates
Our legal consultant
Name: Dr Hassan Mohsen Elhais
Position: legal consultant with Al Rowaad Advocates and Legal Consultants.
AVOID SCAMMERS: TIPS FROM EMIRATES NBD
1. Never respond to e-mails, calls or messages asking for account, card or internet banking details
2. Never store a card PIN (personal identification number) in your mobile or in your wallet
3. Ensure online shopping websites are secure and verified before providing card details
4. Change passwords periodically as a precautionary measure
5. Never share authentication data such as passwords, card PINs and OTPs (one-time passwords) with third parties
6. Track bank notifications regarding transaction discrepancies
7. Report lost or stolen debit and credit cards immediately
Racecard
6.30pm: The Madjani Stakes (PA) Group 3 Dh175,000 (Dirt) 1,900m
7.05pm: Maiden (TB) Dh165,000 (D) 1,400m
7.40pm: Maiden (TB) Dh165,000 (D) 1,600m
8.15pm: Handicap (TB) Dh190,000 (D) 1,200m
8.50pm: Dubai Creek Mile (TB) Listed Dh265,000 (D) 1,600m
9.25pm: Handicap (TB) Dh190,000 (D) 1,600m
The National selections
6.30pm: Chaddad
7.05pm: Down On Da Bayou
7.40pm: Mass Media
8.15pm: Rafal
8.50pm: Yulong Warrior
9.25pm: Chiefdom
Tips for used car buyers
- Choose cars with GCC specifications
- Get a service history for cars less than five years old
- Don’t go cheap on the inspection
- Check for oil leaks
- Do a Google search on the standard problems for your car model
- Do your due diligence. Get a transfer of ownership done at an official RTA centre
- Check the vehicle’s condition. You don’t want to buy a car that’s a good deal but ends up costing you Dh10,000 in repairs every month
- Validate warranty and service contracts with the relevant agency and and make sure they are valid when ownership is transferred
- If you are planning to sell the car soon, buy one with a good resale value. The two most popular cars in the UAE are black or white in colour and other colours are harder to sell
Tarek Kabrit, chief executive of Seez, and Imad Hammad, chief executive and co-founder of CarSwitch.com
HOW DO SIM CARD SCAMS WORK?
Sim swap frauds are a form of identity theft.
They involve criminals conning mobile phone operators into issuing them with replacement Sim cards, often by claiming their phone has been lost or stolen
They use the victim's personal details - obtained through criminal methods - to convince such companies of their identity.
The criminal can then access any online service that requires security codes to be sent to a user's mobile phone, such as banking services.
'Shakuntala Devi'
Starring: Vidya Balan, Sanya Malhotra
Director: Anu Menon
Rating: Three out of five stars
How to vote in the UAE
1) Download your ballot https://www.fvap.gov/
2) Take it to the US Embassy
3) Deadline is October 15
4) The embassy will ensure all ballots reach the US in time for the November 3 poll
Friday’s fixture
6.15pm: Al Wahda v Hatta
6.15pm: Al Dhafra v Ajman
9pm: Al Wasl v Baniyas
9pm: Fujairah v Sharjah
.
KILLING OF QASSEM SULEIMANI
The Lost Letters of William Woolf
Helen Cullen, Graydon House
Astroworld
Travis Scott
Grand Hustle/Epic/Cactus Jack
More on animal trafficking
Match info:
Wolves 1
Boly (57')
Manchester City 1
Laporte (69')
Biography
Favourite drink: Must have karak chai and Chinese tea every day
Favourite non-Chinese food: Arabic sweets and Indian puri, small round bread of wheat flour
Favourite Chinese dish: Spicy boiled fish or anything cooked by her mother because of its flavour
Best vacation: Returning home to China
Music interests: Enjoys playing the zheng, a string musical instrument
Enjoys reading: Chinese novels, romantic comedies, reading up on business trends, government policy changes
Favourite book: Chairman Mao Zedong’s poems
Mohammed bin Zayed Majlis
Asia Cup 2018 final
Who: India v Bangladesh
When: Friday, 3.30pm, Dubai International Stadium
Watch: Live on OSN Cricket HD
Need to know
When: October 17 until November 10
Cost: Entry is free but some events require prior registration
Where: Various locations including National Theatre (Abu Dhabi), Abu Dhabi Cultural Center, Zayed University Promenade, Beach Rotana (Abu Dhabi), Vox Cinemas at Yas Mall, Sharjah Youth Center
What: The Korea Festival will feature art exhibitions, a B-boy dance show, a mini K-pop concert, traditional dance and music performances, food tastings, a beauty seminar, and more.
For more information: www.koreafestivaluae.com
More from Neighbourhood Watch
Landfill in numbers
• Landfill gas is composed of 50 per cent methane
• Methane is 28 times more harmful than Co2 in terms of global warming
• 11 million total tonnes of waste are being generated annually in Abu Dhabi
• 18,000 tonnes per year of hazardous and medical waste is produced in Abu Dhabi emirate per year
• 20,000 litres of cooking oil produced in Abu Dhabi’s cafeterias and restaurants every day is thrown away
• 50 per cent of Abu Dhabi’s waste is from construction and demolition
The line up
Friday: Giggs, Sho Madjozi and Masego
Saturday: Nas, Lion Bbae, Roxanne Shante and DaniLeigh
Sole DXB runs from December 6 to 8 at Dubai Design District. Weekend pass is Dh295 while a one day pass is Dh195. Tickets are available from www.soledxb.com
Our legal advisor
Rasmi Ragy is a senior counsel at Charles Russell Speechlys, a law firm headquartered in London with offices in Europe, the Middle East and Hong Kong.
Experience: Prosecutor in Egypt with more than 40 years experience across the GCC.
Education: Ain Shams University, Egypt, in 1978.
GROUPS
Group Gustavo Kuerten
Novak Djokovic (x1)
Alexander Zverev (x3)
Marin Cilic (x5)
John Isner (x8)
Group Lleyton Hewitt
Roger Federer (x2)
Kevin Anderson (x4)
Dominic Thiem (x6)
Kei Nishikori (x7)
Abu Dhabi GP schedule
Friday: First practice - 1pm; Second practice - 5pm
Saturday: Final practice - 2pm; Qualifying - 5pm
Sunday: Etihad Airways Abu Dhabi Grand Prix (55 laps) - 5.10pm
Info
What: 11th edition of the Mubadala World Tennis Championship
When: December 27-29, 2018
Confirmed: men: Novak Djokovic, Rafael Nadal, Kevin Anderson, Dominic Thiem, Hyeon Chung, Karen Khachanov; women: Venus Williams
Tickets: www.ticketmaster.ae, Virgin megastores or call 800 86 823
Learn more about Qasr Al Hosn
In 2013, The National's History Project went beyond the walls to see what life was like living in Abu Dhabi's fabled fort:
Mobile phone packages comparison
Premier League results
Saturday
Tottenham Hotspur 1 Arsenal 1
Bournemouth 0 Manchester City 1
Brighton & Hove Albion 1 Huddersfield Town 0
Burnley 1 Crystal Palace 3
Manchester United 3 Southampton 2
Wolverhampton Wanderers 2 Cardiff City 0
West Ham United 2 Newcastle United 0
Sunday
Watford 2 Leicester City 1
Fulham 1 Chelsea 2
Everton 0 Liverpool 0
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OTHER IPL BOWLING RECORDS
Best bowling figures: 6-14 – Sohail Tanvir (for Rajasthan Royals against Chennai Super Kings in 2008)
Best average: 16.36 – Andrew Tye
Best economy rate: 6.53 – Sunil Narine
Best strike-rate: 12.83 – Andrew Tye
Best strike-rate in an innings: 1.50 – Suresh Raina (for Chennai Super Kings against Rajasthan Royals in 2011)
Most runs conceded in an innings: 70 – Basil Thampi (for Sunrisers Hyderabad against Royal Challengers Bangalore in 2018)
Most hat-tricks: 3 – Amit Mishra
Most dot-balls: 1,128 – Harbhajan Singh
Most maiden overs bowled: 14 – Praveen Kumar
Most four-wicket hauls: 6 – Sunil Narine
Scoreline
Swansea 2
Grimes 20' (pen), Celina, 29'
Man City 3
Silva 69', Nordfeldt 78' (og), Aguero 88'
The specs
Engine: Direct injection 4-cylinder 1.4-litre
Power: 150hp
Torque: 250Nm
Price: From Dh139,000
On sale: Now
PROFILE OF STARZPLAY
Date started: 2014
Founders: Maaz Sheikh, Danny Bates
Based: Dubai, UAE
Sector: Entertainment/Streaming Video On Demand
Number of employees: 125
Investors/Investment amount: $125 million. Major investors include Starz/Lionsgate, State Street, SEQ and Delta Partners
