Money Tips Daily by Charles Kelly, former IFA and author of

Did you have a plan for today?

The old saying that “people don’t plan to fail, they fail to plan” still holds true.

You don’t need lots of complex planning systems, as a pen and piece of paper or do. Make a list of your most important things to do the night before you start the day.

Work on that list one by one focusing on each task solely.

Keep it simple.

These are your daily goals, so work out your weekly, monthly, yearly and long-term goals.

If you don’t have your own plan, you will become part of someone else’s plan.

Change in this one setting will save your mobile iPhone data usage and stop you running out halfway through the month.

In 1979, a famous longitudinal study was carried out by Harvard where MBA graduates were asked if they had set clear, written goals and any plans to achieve them.

The same students were interviewed 10 years later and the results were astounding!

Don’t wait until the end of the tax year to maximise your tax allowances, start saving and investing now for the tax year 2018/19.

Get into the habit of saving a regular amount of money each month in order to secure your future, and don’t rely on the state to look after you.

From the 1st of April, landlords could face a penalty or fines of up to £5000 for letting the property with an energy efficiency rating of F or G.

Here are some simple tips to improve the energy efficiency rating of your property.

The UK tax year ends tomorrow, 5 April 2018. If you're planning to make full use of your ISA or Pensions/SIPP (Self Invested Personal Pension) this year, you must act soon. I have been talking about this since February in my Money Tips Daily blog and Podcast, so don't say I didn't warn you!

Listen to the end for the bonus tip!

No Matter how hard you try and make savings, eventually you will reach the point where you cannot cut your budget any further.

It’s a bit like governments who find that making cuts and reducing wastage can only go so far. The country needs to produce more revenue and GDP in order to prosper.

Just like a business, you need a combination of both keeping costs down and increasing revenue and profits.

It’s the same for your own personal “economy”, which by the way is the only one you can control, right? After making those savings and cutting down on waste and nonessential spending, the next logical step is to start earning a little extra cash so that you can enjoy a better standard of living. If you would like some free information on starting an online business or getting into property, email me at [email protected]

Majority of cars spent most of their life sitting in the garage or on the driveway. Meanwhile they are burning a hole in your pocket. In this podcast, I look at innovative ideas to get around town and save you money.

Whilst many people are fearful of their jobs in the technological age, others are making a living in ways that didn’t exist a few years ago. Find out more in my money tips day podcast.

Crowdfunding is an innovative method of raising funds for all sorts of projects from property and business to social projects. It was even used recently by a group of gutsy women to overturn the decision to release a convicted rapist and keep him in jail!