Money Tips Daily by Charles Kelly, former IFA and author of

Charles Kelly Business Coach

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  1. Jul 6

    Smoking Could Cost You £2 million Over Your Lifetime

    Smoking a pack of 20 cigarettes a day costs over£5,300 annually according to stop smoking charities. The average price of astandard 20-pack is around £16.45, while 30g of rolling tobacco averages£25.25. Nationally, smoking costs society in England £44.8 billion annuallythrough healthcare, lost productivity, and social care. See video: https://youtu.be/fY9G_jL84r0 Personal Cost Breakdown On an individual level, the amount you spend addsup extremely fast. Based on a standard 20-pack at today's prices: ·       10 cigarettes a day: Approx. £2,646 to £3,000 per year ·       20 cigarettes a day (one pack): Approx. £5,292 to £6,000 per year ·       40 cigarettes a day: Over £10,500 per year Economic and Health Impact Despite the heavy taxes placed on tobacco products,the total societal and financial damage caused by smoking far outweighs therevenue raised. ·       To Society: Smoking costs England £44.8 billion each year. This figure includes£27.8 billion in lost economic productivity, £14.8 billion in social care, £1.8billion in NHS healthcare costs, and £383 million in fire damages.   Smoking a pack of 20 cigarettes a day costs over£5,300 annually. The average price of a standard 20-pack is around £16.45,while 30g of rolling tobacco averages £25.25. Nationally, smoking costs societyin England £44.8 billion annually through healthcare, lost productivity, andsocial care. Personal Cost Breakdown On an individual level, the amount you spend addsup extremely fast. Based on a standard 20-pack at today's prices: ·       10 cigarettes a day: Approx. £2,646 to £3,000 per year ·       20 cigarettes a day (one pack): Approx. £5,292 to £6,000 per year ·       40 cigarettes a day: Over £10,500 per year Economic and Health Impact Despite the heavy taxes placed on tobacco products,the total societal and financial damage caused by smoking far outweighs therevenue raised. ·       To Society: Smoking costs England £44.8 billion each year. This figure includes£27.8 billion in lost economic productivity, £14.8 billion in social care, £1.8billion in NHS healthcare costs, and £383 million in fire damages.   See also: What Landlords MUSTDo THIS MONTH To Avoid A £7000 Fine Landlords must give the government RentersRights Information Sheet 2026  to all tenants beforethe end of May or risk a fine of up to £7000. You can download the official PDF document on the governmentwebsite at: https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026 You must serve the actual document to your tenants, inperson, by post or email, and not just send them the link. Landlords should keep a record and obtain a receipt oracknowledgement or proof of service. Solicitors have reported a wave of Section 21 notices beingserved on tenants prior to the deadline when ‘no fault evictions’ will nolonger apply, according to the Guardian. Although successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they stillneed the estimated 2 million private buy-to-let property landlords. See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s   #propertyinvestment #section24landlordtax #moneytips#buytoletlandlord #section21eviction #rentersrightsact2026 #smokingcost#indexfunds #pensionfunds #investing

  2. Jul 6

    Smoking Could Cost You £2 million Over Your Lifetime

    Smoking a pack of 20 cigarettes a day costs over£5,300 annually according to stop smoking charities. The average price of astandard 20-pack is around £16.45, while 30g of rolling tobacco averages£25.25. Nationally, smoking costs society in England £44.8 billion annuallythrough healthcare, lost productivity, and social care. See video: https://youtu.be/fY9G_jL84r0 Personal Cost Breakdown On an individual level, the amount you spend addsup extremely fast. Based on a standard 20-pack at today's prices: ·       10 cigarettes a day: Approx. £2,646 to £3,000 per year ·       20 cigarettes a day (one pack): Approx. £5,292 to £6,000 per year ·       40 cigarettes a day: Over £10,500 per year Economic and Health Impact Despite the heavy taxes placed on tobacco products,the total societal and financial damage caused by smoking far outweighs therevenue raised. ·       To Society: Smoking costs England £44.8 billion each year. This figure includes£27.8 billion in lost economic productivity, £14.8 billion in social care, £1.8billion in NHS healthcare costs, and £383 million in fire damages.   Smoking a pack of 20 cigarettes a day costs over£5,300 annually. The average price of a standard 20-pack is around £16.45,while 30g of rolling tobacco averages £25.25. Nationally, smoking costs societyin England £44.8 billion annually through healthcare, lost productivity, andsocial care. Personal Cost Breakdown On an individual level, the amount you spend addsup extremely fast. Based on a standard 20-pack at today's prices: ·       10 cigarettes a day: Approx. £2,646 to £3,000 per year ·       20 cigarettes a day (one pack): Approx. £5,292 to £6,000 per year ·       40 cigarettes a day: Over £10,500 per year Economic and Health Impact Despite the heavy taxes placed on tobacco products,the total societal and financial damage caused by smoking far outweighs therevenue raised. ·       To Society: Smoking costs England £44.8 billion each year. This figure includes£27.8 billion in lost economic productivity, £14.8 billion in social care, £1.8billion in NHS healthcare costs, and £383 million in fire damages.   See also: What Landlords MUSTDo THIS MONTH To Avoid A £7000 Fine Landlords must give the government RentersRights Information Sheet 2026  to all tenants beforethe end of May or risk a fine of up to £7000. You can download the official PDF document on the governmentwebsite at: https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026 You must serve the actual document to your tenants, inperson, by post or email, and not just send them the link. Landlords should keep a record and obtain a receipt oracknowledgement or proof of service. Solicitors have reported a wave of Section 21 notices beingserved on tenants prior to the deadline when ‘no fault evictions’ will nolonger apply, according to the Guardian. Although successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they stillneed the estimated 2 million private buy-to-let property landlords. See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s   #propertyinvestment #section24landlordtax #moneytips#buytoletlandlord #section21eviction #rentersrightsact2026 #smokingcost#indexfunds #pensionfunds #investing

  3. Jun 10

    Property Prices Fall As Buy-to-Let Landlords Risk A £7,000 Fine

    UK property prices fall for the first time this year, accordingto the Nationwide Building Society. The lender reports that prices fell by 0.6%, slowing theannual growth rate to 1.7%, citing the Iran war as a factor. Property prices are also dropping in the Middle East and Australiaas the effects of Trumps war spreads across the globe. Watch video - https://youtu.be/T6BiYvW8zIk Renters Rights Act InForce  – What Landlords MUST Do To Avoid A£7000 Fine The Renters Rights Act comes into force on 1 May 2026 givingmore rights to millions of residential tenants, and imposing more legislationon landlords. Watch video - https://youtu.be/EDMJcNXKe0I What Landlords MUSTDo NOW To Avoid A £7000 Fine Landlords must give the government RentersRights Information Sheet 2026  to all tenants beforethe end of May or risk a fine of up to £7000. You can download the official PDF document on the governmentwebsite at: https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026 Although successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they stillneed the estimated 2 million private buy-to-let property landlords. See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s #propertyinvestment #section24landlordtax #moneytips#buytoletlandlord #section21eviction #rentersrightsact2026 #propertyprices  #iranwar #trump

  4. Jun 10

    Property Prices Fall As Buy-to-Let Landlords Risk A £7,000 Fine

    UK property prices fall for the first time this year, accordingto the Nationwide Building Society. The lender reports that prices fell by 0.6%, slowing theannual growth rate to 1.7%, citing the Iran war as a factor. Property prices are also dropping in the Middle East and Australiaas the effects of Trumps war spreads across the globe. Watch video - https://youtu.be/T6BiYvW8zIk Renters Rights Act InForce  – What Landlords MUST Do To Avoid A£7000 Fine The Renters Rights Act comes into force on 1 May 2026 givingmore rights to millions of residential tenants, and imposing more legislationon landlords. Watch video - https://youtu.be/EDMJcNXKe0I What Landlords MUSTDo NOW To Avoid A £7000 Fine Landlords must give the government RentersRights Information Sheet 2026  to all tenants beforethe end of May or risk a fine of up to £7000. You can download the official PDF document on the governmentwebsite at: https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026 Although successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they stillneed the estimated 2 million private buy-to-let property landlords. See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s #propertyinvestment #section24landlordtax #moneytips#buytoletlandlord #section21eviction #rentersrightsact2026 #propertyprices  #iranwar #trump

  5. May 1

    Renters Rights Act In Force Today – What Landlords MUST Do To Avoid A £7000 Fine

    The Renters Rights Act comes into force on 1 May 2026 givingmore rights to millions of residential tenants, and imposing more legislation on landlords. Watch video - https://youtu.be/EDMJcNXKe0I What Landlords MUST Do THIS MONTH To Avoid A £7000 Fine Landlords must give the government RentersRights Information Sheet 2026  to all tenants beforethe end of May or risk a fine of up to £7000. You can download the official PDF document on the governmentwebsite at: https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026 You must serve the actual document to your tenants, inperson, by post or email, and not just send them the link. Landlords should keep a record and obtain a receipt oracknowledgement or proof of service. Solicitors have reported a wave of Section 21 notices beingserved on tenants prior to the deadline when ‘no fault evictions’ will nolonger apply, according to the Guardian. Although successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they stillneed the estimated 2 million private buy-to-let property landlords. See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s   #propertyinvestment #section24landlordtax #moneytips#buytoletlandlord #section21eviction #rentersrightsact2026

  6. May 1

    Renters Rights Act In Force Today – What Landlords MUST Do To Avoid A £7000 Fine

    The Renters Rights Act comes into force on 1 May 2026 givingmore rights to millions of residential tenants, and imposing more legislation on landlords. Watch video - https://youtu.be/EDMJcNXKe0I What Landlords MUSTDo THIS MONTH To Avoid A £7000 Fine Landlords must give the government RentersRights Information Sheet 2026  to all tenants beforethe end of May or risk a fine of up to £7000. You can download the official PDF document on the governmentwebsite at: https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026 You must serve the actual document to your tenants, inperson, by post or email, and not just send them the link. Landlords should keep a record and obtain a receipt oracknowledgement or proof of service. Solicitors have reported a wave of Section 21 notices beingserved on tenants prior to the deadline when ‘no fault evictions’ will nolonger apply, according to the Guardian. Although successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they stillneed the estimated 2 million private buy-to-let property landlords. See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s   #propertyinvestment #section24landlordtax #moneytips#buytoletlandlord #section21eviction #rentersrightsact2026   Renters Rights Act InForce Today – What Landlords MUST Do To Avoid A £7000 Fine The Renters Rights Act comes into force on 1 May 2026 givingmore rights to millions of residential tenants, and imposing more legislationon landlords. Watch video - https://youtu.be/EDMJcNXKe0I What Landlords MUSTDo THIS MONTH To Avoid A £7000 Fine Landlords must give the government RentersRights Information Sheet 2026  to all tenants beforethe end of May or risk a fine of up to £7000. You can download the official PDF document on the governmentwebsite at: https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026 You must serve the actual document to your tenants, inperson, by post or email, and not just send them the link. Landlords should keep a record and obtain a receipt oracknowledgement or proof of service. Solicitors have reported a wave of Section 21 notices beingserved on tenants prior to the deadline when ‘no fault evictions’ will nolonger apply, according to the Guardian. Although successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they stillneed the estimated 2 million private buy-to-let property landlords. See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s   #propertyinvestment #section24landlordtax #moneytips#buytoletlandlord #section21eviction #rentersrightsact2026

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Become a Paid Subscriber: https://podcasters.spotify.com/pod/show/charles-kelly/subscribe Enjoy exclusive content and bonses when you become a Money Tips supporter. Money Tips Daily is a daily podcast brought to you by the author of Yes, Money Can Buy You Happiness, published on Amazon. Money Tips Daily helps you save, earn, invest and enjoy more money! https://anchor.fm/charles-kelly/subscribe

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