Money Tips Podcast Podcast By Charles Kelly cover art

Money Tips Podcast

Money Tips Podcast

By: Charles Kelly
Listen for free

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.2025 Charles Kelly Career Success Economics Personal Finance Politics & Government
Episodes
  • Making Tax Digital: What UK Self-Employed & Landlords MUST Do Before the New HMRC Rules Hit on 6 April 2026!

    Making Tax Digital: What UK Self-Employed & Landlords MUST Do Before the New HMRC Rules Hit on 6 April 2026!
    Mar 27 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
    Show more Show less
    34 mins
  • Stock Markets Tumble as BOMBS DROP on Iran in New Middle East War

    Stock Markets Tumble as BOMBS DROP on Iran in New Middle East War
    Mar 6 2026
    Watch video - https://youtu.be/mIMuSm7JoLg 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 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 #warzone #iran #trump #stockmarket #GoldVsSilver #BuyGold #BuySilver #PreciousMetals #InflationHedge #SafeHavenAssets #GoldPrice #SilverPrice #WealthProtection #FinancialUncertainty #MoneyTips #CharlesKellyMoneyTips
    Show more Show less
    32 mins
  • Lifetime Mortgages vs RIO Mortgages – What Over-55s Need to Know About Equity Release

    Lifetime Mortgages vs RIO Mortgages – What Over-55s Need to Know About Equity Release
    Feb 20 2026
    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
    Show more Show less
    28 mins
No reviews yet