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 financesin 28 days!

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

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

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, <a href="https://bit.ly/3isugCr">Master Your Money the S.M.A.R.T</a> Way training. Check it out for free - <a href="https://bit.ly/3isugCr">https://bit.ly/3isugCr</a>.
Please LIKE and SHARE – WATCH YOUTUBE VIDEO - <a href="https://youtu.be/taJgXOqp9O0">https://youtu.be/taJgXOqp9O0</a>
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, <a href="https://bit.ly/3isugCr">Master Your Money the S.M.A.R.T</a> Way training. Check it out for free - <a href="https://bit.ly/3isugCr">https://bit.ly/3isugCr</a>. 
4 Start saving and investing
Check out <a href="https://www.gov.uk/individual-savings-accounts">www.gov.uk/individual-savings-accounts</a> for more information. Check for the best cash ISA rates at <a href="https://moneyfacts.co.uk/isa/best-cash-isas/">Moneyfacts</a>. 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 <a href="https://www.uswitch.com/">uswitch</a> or <a href="https://www.moneysupermarket.com/">moneysupermarket</a>.
7 Reduce your car insurance
8 Review your mortgage
‘R’ for ‘review’ is part of my programme, <a href="https://bit.ly/3isugCr">Master Your Money the S.M.A.R.T</a> Way training. Check it out - <a href="https://bit.ly/3isugCr">https://bit.ly/3isugCr</a>.
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 <a href="https://www.vouchercodes.co.uk/dealfinder">‘DealFinder’</a> 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 <a href="https://sweatco.in/">Sweatcoin</a> and <a href="https://www.betterpoints.ltd/app/">BetterPoints</a>, where you can get paid to walk and exchange your steps for store discounts and freebies.
18 Cut energy bills 
Check out the <a href="https://energysavingtrust.org.uk/">Energy Saving Trust</a> 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 <a href="https://www.depop.com/">Depop</a>, <a href="https://www.vinted.co.uk/">Vinted</a> and eBay.
20 Mindset – avoid emotional spending and blowing your salary on payday
In my programmes and <a href="https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg">YouTube Money Tips Podcast videos</a> 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 <a href="https://charleskelly.clickfunnels.com/free">new training</a> to help you get control of your finances in 28 days!
Click to join: <a href="https://bit.ly/3isugCr">https://bit.ly/3isugCr</a>
#freetraining #savemoney #moneysavingtips #mortgage #creditcarddebt #energybill #costofliving #goals #foodbank #getcontroloffinances #money

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.

Money Tips by Charles Kelly, author of Yes, Money Can Buy You Happiness.&nbsp; 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.&nbsp; 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. &nbsp; 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.

Money Tips Podcast

Welcome to 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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