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

Work on yourself.

Working in a job will make you a living, working on yourself will make your fortune.

Jim Rohn’s mentor told him that his financial situation was not the fault of the economy, the government or taxes, it was down to his own actions.

We can’t do much about the wider, world economy, but we can control our own economy.

Jim said, if you would change everything will change for you.

Try these tips to save money on energy bills and keep warm. Top 10 Tips To Save Money On Your Heating Bill And Surviving The Cold Although it’s March we are going through another cold snap with snow – and it’s freezing in the UK and northern Europe! Household energy prices continue to climb higher and higher each year, so we've pulled together some easy top tips on saving money on your energy bills and keep your home warm and cozy.

Last September, new regulations were introduced to make it harder for landlords with four or more mortgaged properties to borrow money.

The new regulations are designed to prevent irresponsible lending and introduce interest rate stress testing on buy-to-let mortgages for the first time.

Mortgage lenders will now review the entire existing portfolio before deciding to lend on a new application.

This could have a massive impact on any landlords with more than four properties, now deemed as a portfolio investor, especially if they are running the business on narrow margins.

Follow the simple tip and save hundreds on your shopping bill.

A few days ago I said that becoming financially aware and astute is not just about making money, it is also watching your back for potential threats to your bank balance and financial wellbeing.

Tony Robbins used to run a ‘wealth protection’ service for people with large sums of money, and Jim Rohn advised us to build a financial wall around our family so strong that nobody could knock it down.

The wealthy don’t only concentrate on making money, they also focus on keeping it (probably the two most important basic components of being wealthy) and protecting themselves against liabilities and threats, but you don’t have to be rich to protect yourself too. After all, the less money you have, the more a loss will hurt you.

Businesses do regular S.W. O.T. (Strengths, Weaknesses, Opportunities and Threats) analysis exercises and risk assessments as a matter of policy, and so should you.

You are your greatest, so look after you! Act as if you are the CEO of your own corporation.

More than at

Have you read your lease? Leaseholds properties are a legal landmine for the hundreds of thousands of uninitiated buyers purchasing leasehold flats every year.

Like me, the majority of first time buyers, as well as buy-to-let landlords, will buy a leasehold flat under rules which exist in very few countries outside the UK.

When you buy most flats in the UK, you are a tenant under a long lease which usually runs for more than 99 years, but diminishes in value as the lease gets shorter.

You pay ‘rent’, known as ground rent, to the ‘landlord’ or freeholder, which used to be a peppercorn rent but on new developments is increasingly running into several hundred pounds with sharp increases in the future.

You will also pay a service charge for insurance and upkeep of common areas. In blocks which have lifts, pools and concierge desks, expect to pay from £2,000 pa upwards.

We know that we need good health to enjoy happy and fulfilled life, but do we need to be fit and healthy in order to become successful or wealthy?

Whilst there are always exceptions to the rule, 95% of successful people I have met and observed over the last 30 years in business have all kept fit and looked after their health.

The 5% invariably either burned-out, had a heart attack or are no longer with us.

If you think of the wealthy and successful people you know, you generally find that they do something to keep themselves fit. It could be golf, going to the gym, swimming, hiking or playing a sport.

They are active physically and mentally, and often do something for their community.

I personally know several multi-millionaires who volunteer, give their time and donate their money to charitable causes and service clubs like Rotary.

Get A Cashback When You Switch Bank Accounts.

Better interest rates on your savings and a cashback are not the only the reasons to switch your bank account.

Thanks to competition regulations, switching a current account isn't as difficult as it used to be. Your new bank will take care of transferring Direct Debits and regular payments for you, usually within seven working days. However, if anything go wrong, your new bank will take care of any costs or penalty charges.

Here are just some of the offers available right now:

How to avoid unnecessary mobile internet data usage and a nasty surprise on your next iphone bill due to a little know feature called Wifi Assist

Do you ever find yourself running out or running low on your mobile internet data halfway through your monthly billing period?

Perhaps you’re wondering why you keep using up your allowance when you are nearly always within a wifi coverage area?

The Metro reports that people using the new iPhone or iOS9 could be in for a shock when they receive their next bill. This is due to a little known new feature called ‘WiFi Assist’ that could be eating into your data allowance while you are totally unaware that your money is being spent....

The rich don't need you to be poor for them to be rich. There is not a finite amount of money to go round because wealth and economies expand. Henry Ford understood this 100 years ago when he mass-produced (using assembly lines and division of labour methods) the famous low-priced model T Ford – the car for ordinary people - and paid his factory workers very high wages, thus creating a middle class of people that could afford to buy his cars. Ford, who left school at 14, famously said that his customers could have the car in any colour they wanted, as long as it’s black!

Entrepreneurs like Ford helped make the U.S. the world’s largest economy, and it still is today, closely followed by China!

I was in a London shopping mall today and visited the Apple store. It was packed with families and young kids on mini iPads having fun and joining tutorials.

Which computers and phones do you think these kids are going to buy when they get older?

Apple are so confident of their brand they don’t