Money Tips Daily By Charles Kelly, Former Ifa And Author Of Yes, Money Can Buy You Happiness.

Build a reputation as a trustworthy person who sticks to their word and repay the loans on time and in full.   Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe If you do this, people and lenders will give you more and invest in you.   We do business with other people and relationships are extremely important right up to the highest level of business.   Business is based on trust and reputation. Who is going to do with or lend money to someone they cannot trust?   Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe   #trust #money #debt  

Build a reputation as a trustworthy person who sticks to their word and repay the loans on time and in full.   Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe If you do this, people and lenders will give you more and invest in you.   We do business with other people and relationships are extremely important right up to the highest level of business.   Business is based on trust and reputation. Who is going to do with or lend money to someone they cannot trust?   Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe   #trust #money #debt  

Build and protect your credit rating and credit history.   Even if you’re not planning to borrow money now, it makes sense to look after your credit rating for future borrowing and protect yourself against fraud.    There are many free services available online to check your credit history, which you should do on a regular basis.   www.Experian.co.uk www.equifax.co.uk   You need to check that your history is accurate and make sure that nobody has stolen your identity.   Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe   Protect your credit rating at all costs, as it will affect your ability to borrow money and enter into contracts with utilities and other services.   

Build and protect your credit rating and credit history.   Even if you’re not planning to borrow money now, it makes sense to look after your credit rating for future borrowing and protect yourself against fraud.    There are many free services available online to check your credit history, which you should do on a regular basis.   www.Experian.co.uk www.equifax.co.uk   You need to check that your history is accurate and make sure that nobody has stolen your identity.   Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe   Protect your credit rating at all costs, as it will affect your ability to borrow money and enter into contracts with utilities and other services.    #creditcard #debt #money #ccj #bankrupt

The biggest benefit of having money or becoming wealthy is not the things it will buy you, it’s the freedom and choices money gives you.   Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe Freedom to make choices, options in your life, where to live, the job you do, and doing the things you want to do when you want to do them!    When you have money behind you, you have the confidence to know that you don’t have to accept any job or any terms laid down by your boss. You can, if you wish, walk away at any time, change job or quit the rat race. Freedom is invaluable.   Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe

The biggest benefit of having money or becoming wealthy is not the things it will buy you, it’s the freedom and choices money gives you.   Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe Freedom to make choices, options in your life, where to live, the job you do, and doing the things you want to do when you want to do them!    When you have money behind you, you have the confidence to know that you don’t have to accept any job or any terms laid down by your boss. You can, if you wish, walk away at any time, change job or quit the rat race. Freedom is invaluable.   Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe

Habits are the things we do every day, and in the long term, the things that make a real difference. You don’t just brush your teeth or drink water occasionally?   Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe   Just like good eating and healthy habits, sensible money habits will stand you in good stead for your financial future.

Habits are the things we do every day, and in the long term, the things that make a real difference. You don’t just brush your teeth or drink water occasionally?   Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe   Just like good eating and healthy habits, sensible money habits will stand you in good stead for your financial future.

Money Tips 36 Day 7 - End of Year Tax Planning   If you are listening to this in the UK in the month of March, you only have a few weeks remaining until the end of the current tax year on 5 April.    Join my Money Tips 365 Supporters Club on Spotify: - ⁠https://podcasters.spotify.com/pod/show/charles-kelly/subscribe⁠   Now is the time to think about tax-free allowances into pensions and ISA savings schemes, as well as other tax friendly investments. Other countries vary, but the principles are the same.   If you are in business, you should also be talking to your tax or financial advisor about what tax savings you could make before the end of the current tax year.  Don’t rely on your accountant to do this for you as most are not proactive.    New UK ISA allowance announced in the budget   This week, the Chancellor, Jeremy Hunt, announced a new £5000 additional tax free allowance for ISA investments provided they are invested into British shares.  This means you can invest the money directly into shares or i

Persistence is a quality found in all successful people, whether in business, sports, or any other endeavour requiring effort and ability to stick with it when the going gets tough.    Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe   Anything worth having requires work, effort, patience, and persistence to see it through. He will face obstacles, setbacks and disappointments, and this is where having a clear goal and mission will help fuel you with the persistence you need to see the job through.   In his book, think and grow rich, Napoleon Hill, describe, persistence as the carbon in steel.    You see millionaire sports stars, movie stars, entertainers when they’ve reached the top. They earn millions and enjoy the adoration and accolades.   What you don’t see is the years of work, sometimes, since early childhood, that they have put in in order to reach the top.    You don’t see the sacrifices that they’ve made the setbacks and disappo

Persistence is a quality found in all successful people, whether in business, sports, or any other endeavour requiring effort and ability to stick with it when the going gets tough.    Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe   Anything worth having requires work, effort, patience, and persistence to see it through. He will face obstacles, setbacks and disappointments, and this is where having a clear goal and mission will help fuel you with the persistence you need to see the job through.   In his book, think and grow rich, Napoleon Hill, describe, persistence as the carbon in steel.    You see millionaire sports stars, movie stars, entertainers when they’ve reached the top. They earn millions and enjoy the adoration and accolades.   What you don’t see is the years of work, sometimes, since early childhood, that they have put in in order to reach the top.    You don’t see the sacrifices that they’ve made the setbacks and disappo

Money Tips 36 Day 7 - End of Year Tax Planning   If you are listening to this in the UK in the month of March, you only have a few weeks remaining until the end of the current tax year on 5 April.    Join my Money Tips 365 Supporters Club on Spotify: - ⁠https://podcasters.spotify.com/pod/show/charles-kelly/subscribe⁠   Now is the time to think about tax-free allowances into pensions and ISA savings schemes, as well as other tax friendly investments. Other countries vary, but the principles are the same.   If you are in business, you should also be talking to your tax or financial advisor about what tax savings you could make before the end of the current tax year.  Don’t rely on your accountant to do this for you as most are not proactive.    New UK ISA allowance announced in the budget   This week, the Chancellor, Jeremy Hunt, announced a new £5000 additional tax free allowance for ISA investments provided they are invested into British shares.  This means you can invest the money directly into shares or

Money Tips 365 Day 6 – Emergency Funds!   Emergencies. Have 3 to 6 months expenses in the bank   Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe   .Everyone needs backup funds to cope with emergencies and things that crop up in life.    When you don’t have an emergency fund, you are at the mercy of payday lenders and expensive credit. These lenders usually charge extortionate interest rates.   Day   Discipline   All successful or physically fit people, I know, have self discipline and control, all failures and unhealthy people don’t.    Just like keeping fit or living healthily, saving is a habit which requires a certain amount of self discipline and willpower.    Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe

Money Tips 365 Day 6 – Emergency Funds!   Emergencies. Have 3 to 6 months expenses in the bank   Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe   .Everyone needs backup funds to cope with emergencies and things that crop up in life.    When you don’t have an emergency fund, you are at the mercy of payday lenders and expensive credit. These lenders usually charge extortionate interest rates.    Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe

Money Tips 365 Day 5 - Frugality   Live frugally within your means.   Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe Even the wealthy, well off and some billionaires are frugal!   Watch video version on YouTube - https://youtu.be/UoO-aN5iarM   People who show off with fine watches and fancy cars on expensive finance are not always wealthy. They are quite often living on a knife edge on borrowed money and borrowed time.   This is not about living poor to become rich.  It’s about spending carefully on the things you need rather than things to impress others. It’s about waiting to save for something rather than buying it on a credit card and shopping around for the best deals.   Living comfortably, but with frugality. This does not mean that you are mean and tightfisted. Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe   #money #moneytips #frugal #rockafella #financialfr

Money Tips 365 Day 5 - Frugality   Live frugally within your means.   Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe Even the wealthy, well off and some billionaires are frugal!   People who show off with fine watches and fancy cars on expensive finance are not always wealthy. They are quite often living on a knife edge on borrowed money and borrowed time.   This is not about living poor to become rich.  It’s about spending carefully on the things you need rather than things to impress others. It’s about waiting to save for something rather than buying it on a credit card and shopping around for the best deals.   Living comfortably, but with frugality. This does not mean that you are mean and tightfisted. Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe   #money #moneytips #frugal #rockafella #financialfreedom    

Money Tips 365 Day 4 - Patience!   Practice patience.   Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe   Have the patience to save for something special, rather than buying it on a credit card.   Watch YouTube version - https://youtu.be/OdQ7Ffrqufs   Be patient with your investments and give them time to grow, just like planting seeds.   Be patient and take the long-term perspective for your investing journey.   Successful people take a long-term perspective and realise that they have to pay the price for success.   Unsuccessful people invariably “want it now”, are not prepared to take pay the price and give up too easily.   They don’t want to take the time to learn or study and work hard.   They go into debt to buy consumer goods rather than save for them.    Too many people spend money they haven’t earned, to buy things they can’t afford on expensive credit cards they can’t pay back!   Join my Money Tips 365 Supporters Club on Spot

Money Tips 365 Day 4 - Patience!   Practice patience.   Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe   Have the patience to save for something special, rather than buying it on a credit card.   Be patient with your investments and give them time to grow, just like planting seeds.   Be patient and take the long-term perspective for your investing journey.   Successful people take a long-term perspective and realise that they have to pay the price for success.   Unsuccessful people invariably “want it now”, are not prepared to take pay the price and give up too easily.   They don’t want to take the time to learn or study and work hard.   They go into debt to buy consumer goods rather than save for them.    Too many people spend money they haven’t earned, to buy things they can’t afford on expensive credit cards they can’t pay back!   Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles

Money Tips 365 Day 3 - Start!   Get started!   Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe   Start early and save as much as you can in order to allow compound growth and interest to work in your favour.    Watch video version - https://youtu.be/lVUv0oJDLbI   The sooner you start saving, the more money you can accumulate over time using the power of compound interest.    Delay in the start by five years could as much as halve the value of your retirement fund.   If you can join an employer sponsored pension scheme, this will work to your advantage as the employer will also contribute to your pension.   Most pensions have favourable tax advantages which can increase the value of your pension fund.    There are other forms of medium to long-term tax efficient saving schemes. Always take independent financial advice before investing.    When investing, use the tax breaks offered by your government.    In my supporter content, I will

Money Tips 365 Day 3 - Start!   Get started!   Join my Money Tips 365 Supporters Club on Spotify: - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe   Start early and save as much as you can in order to allow compound growth and interest to work in your favour.    The sooner you start saving, the more money you can accumulate over time using the power of compound interest.    Delay in the start by five years could as much as halve the value of your retirement fund.   If you can join an employer sponsored pension scheme, this will work to your advantage as the employer will also contribute to your pension.   Most pensions have favourable tax advantages which can increase the value of your pension fund.    There are other forms of medium to long-term tax efficient saving schemes. Always take independent financial advice before investing.    When investing, use the tax breaks offered by your government.    In my supporter content, I will be going into more depth about where to invest for t