Money Tips Podcast Charles Kelly

They say money doesn’t make you happy, but is that entirely true?

Join me online on my free live money management training Wednesday at 7.00PM. 

Places are limited, so register now below to avoid disappointment.

https://bit.ly/3QPp8IH

If everything else was equal, would you rather:


Be broke or rich?
Live in a nice house or a dump?
Drive a good car or an old banger?
Get medical treatment now or in two years’ time?
Travel first class or economy?

Money is a tool that makes life easier for us to live a better life and provide for our needs and our families. 

Do you want the best tools for the job? Of course!

Check out my book: Yes, Money Can Buy You Happiness! Available on Amazon. 

https://amzn.eu/d/a8LjMrj

Ever wonder why you never seem to have enough money?

We are living in challenging economic times.

I want to show you how can you:


Not only survive, but thrive in a recession or depression?
Get control of your finances and spending?
Save and invest for your future?
Learn about money and finance?

To help you, I am running a free training webinar.  

3 Steps To Success Money Management!

I want to take you to the next level, help you get control of your money, learn how to invest and become financially free. 

Join me online on my free live money management training Wednesday at 7.00PM. 

Places are limited, so register now below to avoid disappointment.

https://bit.ly/3QPp8IH

#finance #moneytraining #moneymanagement #wealth #money #wealth #happiness

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Leverage is a term used in business for borrowing money or using debt to buy assets. 

Other people’s money (OPM) has been deployed for centuries to help governments and businesses to raise capital, which I’ve written about in my book, Borrow and Grow Rich. 

There is a big difference between good debt, which helps you buy assets that produce income, capital growth, and create jobs and bad debt to consumer goods which go down in value. 

Can you think of an example of where you have used good debt or leverage to buy an asset like a property?  

Have you also used bad debt, such as a credit card, to buy something that you didn’t want to save up for?

How much has that item cost you in interest?

Lessons

Use good debt, leverage and OPM to accelerate your wealth building process.

Avoid credit cards and other bad debt and only use a credit card to pay for things that you can repay in full at the end of the month. 

If you have credit card debts, start on a plan to clear the balance as soon as possible, rather than just paying the minimum amount each month. 

Join my Money Tips 365 Supporters Club on Spotify: - 

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Need help with your money?

We are living in challenging economic times.

I want to show you how can you:


Not only survive, but thrive in a recession or depression?
Get control of your finances and spending?
Save and invest for your future?
Learn about money and finance?

To help you, I am running a free training webinar.  

3 Steps To Success Money Management!

I want to take you to the next level, help you get control of your money, learn how to invest and become financially free. 

Join me online on my free live money management training Wednesday at 8.00PM. 

Places are limited, so register now below to avoid disappointment.

https://bit.ly/3QPp8IH

#property #mortgages #remortgage #firsttimebuyer #mortgagerates #homebuyers  #housepricefall #finance #moneytraining #moneymanagement #wealth #money #buytolet #rentalproperty  #leverage OPM

With energy bills, fuel and interest rates soaring, there’s never been a more critical time to make savings and learn how to manage our money to the best of our ability. I cover many more tips and money-making ideas in my programme, Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.

Please LIKE and SHARE – WATCH YOUTUBE VIDEO - https://youtu.be/taJgXOqp9O0

Here are some tips to help you save and accumulate more money.

1 Pay yourself and save first, spend what’s left

2 Avoid credit card debt interest

3 Track your income and expenditure

‘T’ for ‘track’ is included in my programme, Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr. 

4 Start saving and investing

Check out www.gov.uk/individual-savings-accounts for more information. Check for the best cash ISA rates at Moneyfacts. Shop around and be prepared to move your money to obtain the best rates. 

5 Emergency or contingency funds

6 Loyalty doesn’t always pay - switch suppliers

Check your latest utility statements and check out comparison sites, such as uswitch or moneysupermarket.

7 Reduce your car insurance

8 Review your mortgage

‘R’ for ‘review’ is part of my programme, Master Your Money the S.M.A.R.T Way training. Check it out - https://bit.ly/3isugCr.

9 Check your tax code to pay less to HMRC 

10 Look for old bank accounts and pension policies 

11 Check for any entitlements to benefits.

12 Reduce your grocery bill 

13 Avoid wasting food 

14 Explore local charities for help – there is an abundance of food given away by supermarkets

15 Check your workplace or private pension

16 Check your state pension and NI contributions level

17 Use loyalty cards, price match and vouchers and deal finders 

Try hacks like VoucherCodes ‘DealFinder’ as a plug-in on Chrome to be alerted to the best deals while buying online.

There are hundreds of money saving apps and discount offers, such as Sweatcoin and BetterPoints, where you can get paid to walk and exchange your steps for store discounts and freebies.

18 Cut energy bills 

Check out the Energy Saving Trust for some great energy and money saving hacks. 

19 Sell unwanted stuff on resale platforms

You can turn unwanted clothes into cash using resale platforms such as Depop, Vinted and eBay.

20 Mindset – avoid emotional spending and blowing your salary on payday

In my programmes and YouTube Money Tips Podcast videos I talk about money mindset. A recent survey by Nationwide’s Payday Saveday revealed that 1 in 5 people blow over half their spare monthly wages within 48 hours of payday! 

21 Plan, organise and forecast

The key is in planning and organising your expenditure, work, goals, relationships and life! As in the first tip, prioritise essential expenditure and your savings pot, before spending. 

Finally, searching for the best deals, tracking and reviewing your finances and being mindful of spending money on things to don’t really need will not only help you get through the current crises but help you form lifelong habits that will enable to build wealth.

For more ideas and tips, see out my new training to help you get control of your finances in 28 days!

Click to join: https://bit.ly/3isugCr

#freetraining #savemoney #moneysavingtips #mortgage #creditcarddebt #energybill #costofliving #goals #foodbank #getcontroloffinances #money

Inflation Down But Mortgage Rates Remain High For Homeowners

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#discipline #selfdiscipline #money #moneytips

Renters Reform Act could fail, but is this good news for landlords?

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Section 24 Tax Hike Solutions Revealed By Property Accountant

Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls.

Email charles@charleskelly.net for a free consultation on how to deal with Section 24.

Watch video now: https://youtu.be/aMuGs_ek17s

In this 45 minute interview we discuss:


What is Section 24 and when did George Osbourne introduce this tax hike on landlords?
6 options available to landlords with buy-to-let properties in their own name
What is classed as a property business and property partnership?
Ramsay v HMRC (2013) case explained
Incorporation Relief, Stamp Duty, CGT (Capital Gains tax) and much more…

Over 29,000 people signed a petition calling on the government to reverse this unfair tax o landlords to no avail.  

Find out what you can do in this video.

Email charles@charleskelly.net for a free consultation on how to deal with Section 24.

 

#buytoletlandlord #propertyinvestment #section24tax #georgeosborne #financialfreedom #FinancialEquality #FinancialIndependence #money #MoneyManagement

#rentersreform #landlord #section24 #section21 #property

Starting March 2024, each day I will be recording a short daily money tip - each day for 365 days.

You’ll be able to find these tips, wherever you listen to your podcast, as well as my YouTube channel Charles Kelly money tips podcast. 

Watch YouTube Version - https://youtu.be/6IpIptH76pc

For those of you who want more in depth exclusive content, I will also be producing a more detailed money tip for my paid supporter subscribers on Spotify. 

For just £4.99 per month you can access exclusive content for my Money Tips supporters - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe

 

You couldn’t register to become a supporter on my Spotify channel, using the link in the notes. 

Live within your means. 

The fastest way to go broke is to spend money you don’t have, buying things you don’t need, to impress people you don’t like and who don’t give a damn about you!

 

Look, I get it! We live in a consumer led economy where big business and the government need us to spend money to grow the GDP. But that doesn’t mean you have to spend money you don’t have.

When singer Rihanna almost went bankrupt, after earning millions and then spending it, she sued her financial advisor who responded:

“Was it really necessary to tell her that if you spend money on things, you will end up with the things and not the money”.  

Yes!

 

Are you converting your wealth or potential wealth for things?

Do you want to be a millionaire or just spend a million?

If you don’t live within your means and start saving, you’ll always be short of money or broke.  

 

For more content, join my Money Tips 365 Supporters Club on Spotify: - 

https://podcasters.spotify.com/pod/show/charles-kelly/subscribe