Starting March 2024, each day I will be recording a short daily money tip - each day for 365 days.

You’ll be able to find these tips, wherever you listen to your podcast, as well as my YouTube channel Charles Kelly money tips podcast. 

Watch YouTube Version - https://youtu.be/6IpIptH76pc

For those of you who want more in depth exclusive content, I will also be producing a more detailed money tip for my paid supporter subscribers on Spotify. 

For just £4.99 per month you can access exclusive content for my Money Tips supporters - https://podcasters.spotify.com/pod/show/charles-kelly/subscribe



You couldn’t register to become a supporter on my Spotify channel, using the link in the notes. 

Live within your means. 

The fastest way to go broke is to spend money you don’t have, buying things you don’t need, to impress people you don’t like and who don’t give a damn about you!



Look, I get it! We live in a consumer led economy where big business and the government need us to spend money to grow the GDP. But that doesn’t mean you have to spend money you don’t have.

When singer Rihanna almost went bankrupt, after earning millions and then spending it, she sued her financial advisor who responded:

“Was it really necessary to tell her that if you spend money on things, you will end up with the things and not the money”.  

Yes!



Are you converting your wealth or potential wealth for things?

Do you want to be a millionaire or just spend a million?

If you don’t live within your means and start saving, you’ll always be short of money or broke.  



For more content, join my Money Tips 365 Supporters Club on Spotify: - 

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

Starting March 2024, each day I will be recording a short daily money tip - each day for 365 days.
You’ll be able to find these tips, wherever you listen to your podcast, as well as my YouTube channel Charles Kelly money tips podcast. 
Watch YouTube Version - <a href="https://youtu.be/6IpIptH76pc">https://youtu.be/6IpIptH76pc</a>
For those of you who want more in depth exclusive content, I will also be producing a more detailed money tip for my paid supporter subscribers on Spotify. 
For just £4.99 per month you can access exclusive content for my Money Tips supporters - <a href="https://podcasters.spotify.com/pod/show/charles-kelly/subscribe">https://podcasters.spotify.com/pod/show/charles-kelly/subscribe</a>
 
You couldn’t register to become a supporter on my Spotify channel, using the link in the notes. 
Live within your means. 
The fastest way to go broke is to spend money you don’t have, buying things you don’t need, to impress people you don’t like and who don’t give a damn about you!
 
Look, I get it! We live in a consumer led economy where big business and the government need us to spend money to grow the GDP. But that doesn’t mean you have to spend money you don’t have.
When singer Rihanna almost went bankrupt, after earning millions and then spending it, she sued her financial advisor who responded:
“Was it really necessary to tell her that if you spend money on things, you will end up with the things and not the money”.  
Yes!
 
Are you converting your wealth or potential wealth for things?
Do you want to be a millionaire or just spend a million?
If you don’t live within your means and start saving, you’ll always be short of money or broke.  
 
For more content, 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>

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

Money Tips 365 Day 1 – Live Within Your Means

In the realm of pensions and retirement planning, the Small Self-Administered Scheme (SSAS) stands as a potent yet lesser-known tool. To uncover its hidden gems and understand its potential benefits, we delve into an enlightening interview with Brian Harvey, an expert in the field.

Firstly, what exactly is a SSAS? In essence, it's a pension scheme tailored for limited company small businesses, allowing greater control and flexibility over investments compared to traditional pension arrangements. With a SSAS, business owners can take the reins of their retirement savings, making strategic investment decisions that align with their long-term financial goals.

One of the key advantages of a SSAS is its tax efficiency. Contributions made into the scheme are typically tax-deductible for the business, reducing its taxable profits. Furthermore, investments within the SSAS grow tax-free, maximizing potential returns over time. These tax benefits can significantly bolster both personal and business finances in the long run.

Moreover, the loan back provision within a SSAS adds another layer of versatility. This feature allows the scheme to lend funds to the sponsoring employer, providing a valuable source of financing for business endeavours. Whether it's funding expansion projects or addressing short-term cash flow needs, the loan back provision offers a lifeline for businesses looking to navigate financial challenges.

Another compelling application of a SSAS lies in property investment. With the ability to purchase commercial property, the scheme opens doors to diversified investment portfolios. From owning business premises to generating rental income, property investments through a SSAS can yield substantial returns while providing stability and security for the future.

In conclusion, the SSAS holds a treasure trove of benefits for savvy business owners and investors alike. From tax advantages to flexible investment strategies, its versatility knows no bounds. To unlock the full potential of a SSAS and chart a course towards financial prosperity, reach out to me or Brian at brian@retirement.capital for expert advice and a complimentary consultation. 

#SSAS #PensionPlanning #TaxAdvantages #BusinessInvestments #PropertyInvestment #FinancialFreedom #RetirementPlanning

In the realm of pensions and retirement planning, the Small Self-Administered Scheme (SSAS) stands as a potent yet lesser-known tool. To uncover its hidden gems and understand its potential benefits, we delve into an enlightening interview with Brian Harvey, an expert in the field.
Firstly, what exactly is a SSAS? In essence, it's a pension scheme tailored for limited company small businesses, allowing greater control and flexibility over investments compared to traditional pension arrangements. With a SSAS, business owners can take the reins of their retirement savings, making strategic investment decisions that align with their long-term financial goals.
One of the key advantages of a SSAS is its tax efficiency. Contributions made into the scheme are typically tax-deductible for the business, reducing its taxable profits. Furthermore, investments within the SSAS grow tax-free, maximizing potential returns over time. These tax benefits can significantly bolster both personal and business finances in the long run.
Moreover, the loan back provision within a SSAS adds another layer of versatility. This feature allows the scheme to lend funds to the sponsoring employer, providing a valuable source of financing for business endeavours. Whether it's funding expansion projects or addressing short-term cash flow needs, the loan back provision offers a lifeline for businesses looking to navigate financial challenges.
Another compelling application of a SSAS lies in property investment. With the ability to purchase commercial property, the scheme opens doors to diversified investment portfolios. From owning business premises to generating rental income, property investments through a SSAS can yield substantial returns while providing stability and security for the future.
In conclusion, the SSAS holds a treasure trove of benefits for savvy business owners and investors alike. From tax advantages to flexible investment strategies, its versatility knows no bounds. To unlock the full potential of a SSAS and chart a course towards financial prosperity, reach out to me or Brian at <a href="mailto:brian@retirement.capital">brian@retirement.capital</a> for expert advice and a complimentary consultation. 
#SSAS #PensionPlanning #TaxAdvantages #BusinessInvestments #PropertyInvestment #FinancialFreedom #RetirementPlanning

Unveiling SSAS Secrets: Insights from an Expert Interview

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

Money Tips 365 Day 1 – Live Within Your Means

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