Money Tips Podcast

Charles Kelly

Money Tips by Charles Kelly, author of Yes, Money Can Buy You Happiness.  Charles spent over 25 years in financial services working for banks, Insurance companies and as a qualified Independent Financial Adviser running his practice, before setting up his speaking, consultancy and property business.  Money Tips will help you save, make and accumulate more money whether you are a business owner, entrepreneur, employee or still searching for your vocation.   For more tips and information visit Mondeytipsdaily.com. The Information given in this podcast is for your entertainment and should not be construed as financial advice. As always, take independent financial advice before making any investment decisions.

  1. APR 24

    Where To Invest

    Do THIS and Become a Millionaire: The Simple Habit That Changes Everything What if becoming a millionaire wasn’t about luck, high income, or risky bets—but consistency? On the Money Tips Podcast, I break down a simple but powerful strategy: save 20% of your income and invest it into a low-cost index or global tracker fund, such as those following the S&P 500. Watch full video - https://youtu.be/20Ixol8Ppgw Global stock markets may be at an all-time high and due for a correction with the world in turmoil, but that doesn’t matter if you rigorously stick to this plan. This approach is backed by decades of market performance. By consistently investing and reinvesting returns, you harness the power of compound growth. Over time, even modest contributions can snowball into significant wealth. The real challenge isn’t the math—it’s behaviour. You must delay gratification, avoid lifestyle inflation, and stay disciplined. That means resisting consumer debt for big TV’s and expensive cars, cutting unnecessary spending, and sticking to your plan month after month, year after year. I first heard a powerful example from Tony Robbins: a man on a below-average income who saved and invested 20% consistently for over 40 years. The result? A fund worth around $70 million. Not because he earned more—but because he stayed committed. This strategy is simple, but not easy. It requires patience, discipline, and long-term thinking. The earlier you start, the more time compounding has to work in your favour. Always remember: this content is for educational purposes only. You should seek independent financial advice before making any investment decisions, as I am not your financial advisor. Your results may vary. Start today. Stay consistent. Your future self will thank you. 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 Why Invest in Gold and Silver? See full video - https://youtu.be/or-8kiTZZxM See my interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call. For a free gold, investment report, and Discovery Call, click here.  https://pure-gold.co/charles-kelly Landlords Dragged Into Section 24 TAX As 7 million people set to pay higher rate, 40%, tax this year, 16,000 millionaires will leave the UK this year under Rachel Reeves tax policies.  Watch video - https://youtu.be/zH1p2uXz4C8 More landlords are being sucked into higher tax bands and paying more tax due to George Osborne’s ‘Section 24’ tax hike. If you are a buy-to-let property landlord and help with Section 24, contact: Charles@charleskelly.net #section24 #landlordtax #MoneyTipsPodcast #MakingTaxDigital #UKLandlords #PropertyInvesting #stockmarket #pensions #iranwar  #goldandsilver #SandP500, #trackerfunds #vanguardindexfund #tonyrobbins

    14 min
  2. Pensions Stocks Oil

    APR 10

    Pensions Stocks Oil

    His Pension LOST £20,000 Since The Start of Iran War Ex-Teacher’s SIPP lost 15%! Learn how to protect your pension and investments from a stock market crash. Watch video version - https://youtu.be/fc3NXqqWgAw 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 Why Invest in Gold and Silver? See full video - https://youtu.be/or-8kiTZZxM See my interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call. For a free gold, investment report, and Discovery Call, click here.  https://pure-gold.co/charles-kelly Landlords Dragged Into Section 24 TAX As 7 million people set to pay higher rate, 40%, tax this year, 16,000 millionaires will leave the UK this year under Rachel Reeves tax policies.  Watch video - https://youtu.be/zH1p2uXz4C8 More landlords are being sucked into higher tax bands and paying more tax due to George Osborne’s ‘Section 24’ tax hike. If you are a buy-to-let property landlord and help with Section 24, contact: Charles@charleskelly.net #section24 #landlordtax #MoneyTipsPodcast #MakingTaxDigital #UKLandlords #PropertyInvesting #stockmarket #pensions #iranwar #Trump #oilprices #goldandsilver

    21 min
  3. Making Tax Digital: What UK Self-Employed & Landlords MUST Do Before the New HMRC Rules Hit on 6 April 2026!

    MAR 27

    Making Tax Digital: What UK Self-Employed & Landlords MUST Do Before the New HMRC Rules Hit on 6 April 2026!

    Making Tax Digital (MTD) is one of the biggest changes to the UK tax system in decades, and it will significantly impact self-employed business owners and landlords who own residential property in their personal name. If you currently submit a Self-Assessment tax return once a year, these new rules will change how and when you report income to HM Revenue & Customs (HMRC). Starting 6 April 2026, under the new Making Tax Digital for Income Tax (MTD for IT) rules, millions of UK taxpayers must keep digital records and submit quarterly updates using approved accounting software apps listed on the HMRC website. This affects self-employed individuals and landlords earning above the income threshold from trading or property. Instead of one annual tax return, you’ll submit five - four quarterly updates plus a final declaration each year. This means accurate record-keeping, more frequent reporting, and potentially higher accounting and software costs for small business owners and property investors. For many landlords with residential property in their own name, especially those managing multiple rental properties, adopting digital bookkeeping software will be essential. This means switching from spreadsheets or paper records to compliant cloud accounting platforms. HMRC say the aim of MTD is to reduce errors and modernise the UK tax system, but it also means more red tape, admin and planning for millions taxpayers. Self-employed workers and landlords should start preparing early to avoid penalties and stay compliant when the rules fully apply. Landlords already hit by Section 24 tax changes and the Renters Rights Act should seek professional advice and avoid ignoring the changes which are coming next month. Making Tax Digital Contact DNS - https://www.dnsassociates.co.uk 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 Landlords Dragged Into Section 24 TAX As 7 million people set to pay higher rate, 40%, tax this year, 16,000 millionaires will leave the UK this year under Rachel Reeves tax policies.  Watch video - https://youtu.be/zH1p2uXz4C8 More landlords are being sucked into higher tax bands and paying more tax due to George Osborne’s ‘Section 24’ tax hike. If you are a buy-to-let property landlord and help with Section 24, contact: Charles@charleskelly.net #tax #section24 #landlordtax #higherratetax #MoneyTipsPodcast #MakingTaxDigital #UKLandlords #SelfEmployedUK #PropertyInvesting

    34 min
  4. Lifetime Mortgages vs RIO Mortgages – What Over-55s Need to Know About Equity Release

    FEB 20

    Lifetime Mortgages vs RIO Mortgages – What Over-55s Need to Know About Equity Release

    Home Equity Release Mortgages Explained If you’re over 55 and property-rich but cash-poor, home equity release could be an option worth understanding. In the UK, the most common type is a lifetime mortgage. Watch full video: https://youtu.be/eNmhqQmthNw In this Money Tip’s interview, Equity Release Mortgage expert Darren Cohen, explains that a lifetime mortgage allows you to borrow money secured against your home while retaining ownership. Unlike a traditional mortgage, you don’t have to make monthly repayments unless you choose to. Instead, the interest typically “rolls up” and is added to the loan. The balance is repaid when you die or move into long-term care, usually from the sale of the property. There are several types or variations of lifetime mortgages: 1. Roll-up Lifetime Mortgage – The most common option. No monthly payments are required; interest compounds over time, which can significantly increase the mortgage debt. 2. Interest-Paying Lifetime Mortgage – You pay some or all of the monthly interest to reduce the final balance. Early repayment penalties typically apply during the first seven years. 3. Drawdown Lifetime Mortgage – You release funds in stages, meaning you only pay interest on the money actually withdrawn. Another option is a Retirement Interest-Only (RIO) mortgage. With a RIO, you pay the interest each month, but the capital is repaid when the property is sold after death or entry into care. Because you’re servicing the interest, the debt does not grow. However, you must prove affordability, unlike most lifetime mortgages. There are a small number of lenders who will grant a fixed term Interest Only mortgage, subject to affordability. With an Interest Only mortgage or a RIO, your home may be repossessed if you do not keep up repayments. Equity release can provide tax-free cash for supplementing retirement income, home improvements, or helping family. But it will reduce the value of your estate and may affect means-tested benefits. Always seek independent financial advice and choose lenders approved by the Equity Release Council, which offers protections such as the “no negative equity guarantee.” Used wisely, equity release can be a powerful retirement and inheritance tax planning tool — but it must be understood properly first. If you are interested in exploring Equity Release, contact Darren Cohen at Right Homes Equity Release Ltd (www.linkedin.com/in/darrenscohen) or email charles@charleskelly.net. #EquityRelease #LifetimeMortgage #RIOMortgage #UKFinance #RetirementPlanning #Over55Finance #MoneyTips #PropertyWealth #FinancialFreedom #laterlifemortgages

    28 min
  5. Why Silver Could Explode in 2025/6!

    JAN 23

    Why Silver Could Explode in 2025/6!

    Why the Gold-Silver Ratio Suggests It Might Be Time to Buy Silver The gold-silver ratio — the number of ounces of silver needed to buy one ounce of gold — is a powerful indicator for precious metal investors. Historically, the ratio averages around 60:1, meaning gold typically trades at about 60 times the price of silver. Today, however, the ratio has surged above 85:1, signalling that silver may be undervalued compared to gold. Watch video now - https://youtu.be/Z7ZWbCrvyuI?si=FUvGxBrMtcmRTbf7 This imbalance often creates opportunities. When the ratio is this high, savvy investors see it as a buy signal for silver, expecting the gap to close over time — either through silver rising in price, gold falling, or both adjusting. Silver also has strong industrial demand — it’s used in solar panels, electric vehicles, electronics, and medical tech — all sectors expected to expand in the coming decade. Combine that with limited new mine supply and rising investment interest, and silver looks like a compelling long-term play. While gold remains the ultimate safe-haven asset, silver offers more upside potential during economic recoveries or inflationary periods. If you’ve been considering diversifying into precious metals, now could be the perfect time to accumulate silver while it remains cheap relative to gold. Always consult your financial adviser before making investment decisions. Why Invest in Gold and Silver? See full video - https://youtu.be/or-8kiTZZxM See my interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call. For a free gold, investment report, and Discovery Call, click here. https://pure-gold.co/charles-kelly Where to find me: Money Tips website: https://moneytipsdaily.com/ YouTube Channel: https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg Money Tips Facebook Community: https://www.facebook.com/groups/No1businessopportunities LinkedIn: www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2 #SilverInvesting #GoldSilverRatio #BuySilver #PreciousMetals #SilverBullMarket #GoldVsSilver #InflationHedge #WealthProtection #MoneyTipsPodcast #CharlesKelly

    17 min
  6. New Tax Rise For Landlords Announced In Budget

    JAN 16

    New Tax Rise For Landlords Announced In Budget

    In another blow long suffering UK landlords, Chancellor Rachel Reeves has announced a new higher rate of tax surcharge on rental income profits in her budget, which will see the tax burden rise to record levels. Buy-to-let landlords will pay a tax rate two percentage points higher than the basic and higher rates of tax from April 2027. Frozen threshold bands until 2030 means most of us will pay more tax due to ‘fiscal drag’. Savers, family businesses and pensioners will also be hit, whilst the welfare budget heads towards £2 TRILLION. Watch full video here - https://youtu.be/O38dvXPp22k There were a raft of hikes including a mansion tax on properties worth more than £2 million, mileage charge on EVs Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still need the estimated 2.8 million private buy-to-let property landlords.  See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s What This Means for You These tax changes could reshape property investing, retirement planning, and asset strategies. If you're a landlord, investor, or homeowner, now is the time to review your capital gains exposure, inheritance planning, and use of ISAs before the 26 November Budget drops. Why Invest in Gold and Silver? See full video - https://youtu.be/or-8kiTZZxM See my interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call. For a free gold, investment report, and Discovery Call, click here.  https://pure-gold.co/charles-kelly 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 #UKBudget2025 #RachelReeves #TaxRiseAlert #CapitalGainsTax #InheritanceTax #CashISATax #CouncilTaxSurcharge #UKPropertyTax #MoneyTips #CharlesKellyPodcast #TaxPlanning #WealthProtection #goldsilverratio #gold #silver #moneymanagement

    43 min
  7. House Prices Plunge In London And Stockbroker Belt As Silver And Gold Surge!

    JAN 9

    House Prices Plunge In London And Stockbroker Belt As Silver And Gold Surge!

    Property prices in London and parts of the South East fell this year by up to 8.9%, as Silver surged 138% and Gold continued its upward trajectory rising by just under 58%! Crawley, a town close to Gatwick airport in West Sussex, suffered an 8.9% drop of £36,000, with High Wycombe falling 7.4% wiping £34,000 off average house values. Even trendy Brighton was hit with a 4.8% or £20,000 dive, according to Lloyds bank. The London property market has also suffered a 2.4% year on year decline of 2.4%, not helped by a weak economy, tax hikes, Stamp Duty increase in April and uncertainty over the budget which saw the introduction of a mansion tax. Watch video here - https://youtu.be/tk1aT-TMAwo?si=3aDdg9cbbXyO-Foa Property prices in London and parts of the South East fell this year by up to 8.9%, as Silver surged 138% and Gold continued its upward trajectory rising by just under 58%! Crawley, a town close to Gatwick airport in West Sussex, suffered an 8.9% drop of £36,000, with High Wycombe falling 7.4% wiping £34,000 off average house values. Even trendy Brighton was hit with a 4.8% or £20,000 dive, according to Lloyds bank. The London property market has also suffered a 2.4% year on year decline of 2.4%, not helped by a weak economy, tax hikes, Stamp Duty increase in April and uncertainty over the budget which saw the introduction of a mansion tax. Overseas buyers have dried up, non-doms and the rich are leaving the UK in droves and property landlords have been selling up partly due to the Renters Rights Act and the abolition of Section 21 ‘no fault evictions’. Chancellor Rachel Reeves announced a new tax surcharge on rental income profits in her budget, which sees the tax burden rise to record levels. Buy-to-let landlords will pay a tax rate two percentage points higher than the basic and higher rates of tax from April 2027. Watch full video here - https://youtu.be/O38dvXPp22k There were a raft of hikes including a mansion tax on properties worth more than £2 million, mileage charge on EVs. Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc.), they still need the estimated 2.8 million private buy-to-let property landlords. Opportunities in 2026 Experienced investors will be sitting on cash and watching the housing and stock markets for opportunities to snap up assets at bargain prices, but timing the market can be tricky. See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s Gold and silver outperformed the markets and investors and central banks piled into metals amid speculation of an AI-driven stock market bubble. How to Invest in Gold and Silver? There are various ways to invest in Gold and Silver. You can buy physical Gold and Silver coins, bars or bullion online through reputable dealers (see below for more details). Always seek professional advice before investing. See full video - https://youtu.be/or-8kiTZZxM See my interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call. 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 Did you reach your goals and targets in 2025? What goals have you set for 2026? I wish you a Happy and Prosperous New Year and hope you achieve your dreams. #UKBudget2025 #RachelReeves #TaxRiseAlert #CapitalGainsTax #InheritanceTax #CashISATax #CouncilTaxSurcharge #UKPropertyTax #MoneyTips #CharlesKellyPodcast #TaxPlanning #WealthProtection #goldsilverratio #gold #silver #moneymanagement

    35 min

Ratings & Reviews

5
out of 5
2 Ratings

About

Money Tips by Charles Kelly, author of Yes, Money Can Buy You Happiness.  Charles spent over 25 years in financial services working for banks, Insurance companies and as a qualified Independent Financial Adviser running his practice, before setting up his speaking, consultancy and property business.  Money Tips will help you save, make and accumulate more money whether you are a business owner, entrepreneur, employee or still searching for your vocation.   For more tips and information visit Mondeytipsdaily.com. The Information given in this podcast is for your entertainment and should not be construed as financial advice. As always, take independent financial advice before making any investment decisions.

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