In an earlier Money Tips episode, we talked about how to recover debts without using a lawyer. Now I want to give you 3 Golden Rules on how to avoid the bad debts in the first place. If you follow these 3 Golden Rules you will avoid 90% of problems with bad debt and poor cash flow. Cash flow will improve massively and bad debts become a thing of the past.

In an earlier Money Tips episode, we talked about how to recover debts without using a lawyer. Now I want to give you 3 Golden Rules on how to avoid the bad debts in the first place. If you follow these 3 Golden Rules you will avoid 90% of problems with bad debt and poor cash flow. Cash flow will improve massively and bad debts become a thing of the past.

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.

Money Tips

3 Golden Rules to Avoid Bad Debts & Massively Improve Your Cash Flow

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

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 <a href="https://contexttraining.aweb.page/p/a38e68bf-ff99-4d03-99cd-de7a44d9fe99">register now</a> below to avoid disappointment.
<a href="https://bit.ly/3QPp8IH">https://bit.ly/3QPp8IH</a>
If everything else was equal, would you rather:
<ul>
<li aria-level="1">Be broke or rich?</li>
<li aria-level="1">Live in a nice house or a dump?</li>
<li aria-level="1">Drive a good car or an old banger?</li>
<li aria-level="1">Get medical treatment now or in two years’ time?</li>
<li aria-level="1">Travel first class or economy?</li>
</ul>
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: <a href="https://amzn.eu/d/a8LjMrj">Yes, Money Can Buy You Happiness!</a> Available on Amazon. 
<a href="https://amzn.eu/d/a8LjMrj">https://amzn.eu/d/a8LjMrj</a>
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:
<ul>
<li aria-level="1">Not only survive, but thrive in a recession or depression?</li>
<li aria-level="1">Get control of your finances and spending?</li>
<li aria-level="1">Save and invest for your future?</li>
<li aria-level="1">Learn about money and finance?</li>
</ul>
To help you, I am running a <a href="https://contexttraining.aweb.page/p/a38e68bf-ff99-4d03-99cd-de7a44d9fe99">free training webinar</a>.  
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 <a href="https://contexttraining.aweb.page/p/a38e68bf-ff99-4d03-99cd-de7a44d9fe99">register now</a> below to avoid disappointment.
<a href="https://bit.ly/3QPp8IH">https://bit.ly/3QPp8IH</a>
#finance #moneytraining #moneymanagement #wealth #money #wealth #happiness

Can Money Buy You Happiness? Money Tips 365 Day 40

Join my Money Tips 365 Supporters Club on Spotify: - 

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

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: - 

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

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

Join my Money Tips 365 Supporters Club on Spotify: - 
<a href="https://podcasters.spotify.com/pod/show/charles-kelly/subscribe">https://podcasters.spotify.com/pod/show/charles-kelly/subscribe</a>
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: - 
<a href="https://podcasters.spotify.com/pod/show/charles-kelly/subscribe">https://podcasters.spotify.com/pod/show/charles-kelly/subscribe</a>
Need help with your money?
We are living in challenging economic times.
I want to show you how can you:
<ul>
<li aria-level="1">Not only survive, but thrive in a recession or depression?</li>
<li aria-level="1">Get control of your finances and spending?</li>
<li aria-level="1">Save and invest for your future?</li>
<li aria-level="1">Learn about money and finance?</li>
</ul>
To help you, I am running a <a href="https://contexttraining.aweb.page/p/a38e68bf-ff99-4d03-99cd-de7a44d9fe99">free training webinar</a>.  
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 <a href="https://contexttraining.aweb.page/p/a38e68bf-ff99-4d03-99cd-de7a44d9fe99">register now</a> below to avoid disappointment.
<a href="https://bit.ly/3QPp8IH">https://bit.ly/3QPp8IH</a>
#property #mortgages #remortgage #firsttimebuyer #mortgagerates #homebuyers  #housepricefall #finance #moneytraining #moneymanagement #wealth #money #buytolet #rentalproperty  #leverage OPM

Leverage And OPM Will Help Accelerate Your Wealth Building Money Tips 365 Day 29

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

3 Golden Rules to Avoid Bad Debts & Massively Improve Your Cash Flow

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