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

In this podcast we discuss the decision by the majorretailer John Lewis to withdraw from developing thousands of residential properties.

Meanwhile, as thousands of small private lands quit thebuy-to-let property, private equity firms and hedge funds continue to investbillions of pounds into the housing market.

Watch full video: https://youtu.be/m5Aoqr4hquU

New Tax Rise For Landlords

In another blow long suffering UK landlords,Chancellor Rachel Reeves has announced a new higher rate of tax surcharge onrental income profits in her budget, which will see the tax burden rise torecord levels. Buy-to-let landlords will pay a tax rate two percentage pointshigher than the basic and higher rates of tax from April 2027.

Frozen threshold bands until 2030 means mostof us will pay more tax due to ‘fiscal drag’.

This is in addition to the hike in the stampduty surcharge on second property purchases to 5%, which is having adetrimental effect on property development and flipping.

Watch full video here - https://youtu.be/O38dvXPp22k

Although successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they stillneed the estimated 2.8 million private buy-to-let property landlords.

See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s

What This Means for You

These tax changes could reshape property investing, retirement planning,and asset strategies. If you're a landlord, investor, or homeowner, nowis the time to review your capital gains exposure, inheritance planning, anduse of ISAs before the 26 November Budget drops.

#johnlewisproperty #propertyinvestment #section24landlordtax#moneytips #buytoletlandlord

In this podcast we discuss the decision by the majorretailer John Lewis to withdraw from developing thousands of residential properties.

Meanwhile, as thousands of small private lands quit thebuy-to-let property, private equity firms and hedge funds continue to investbillions of pounds into the housing market.

Watch full video: https://youtu.be/m5Aoqr4hquU

New Tax Rise For Landlords

In another blow long suffering UK landlords,Chancellor Rachel Reeves has announced a new higher rate of tax surcharge onrental income profits in her budget, which will see the tax burden rise torecord levels. Buy-to-let landlords will pay a tax rate two percentage pointshigher than the basic and higher rates of tax from April 2027.

Frozen threshold bands until 2030 means mostof us will pay more tax due to ‘fiscal drag’.

This is in addition to the hike in the stampduty surcharge on second property purchases to 5%, which is having adetrimental effect on property development and flipping.

Watch full video here - https://youtu.be/O38dvXPp22k

Although successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they stillneed the estimated 2.8 million private buy-to-let property landlords.

See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s

What This Means for You

These tax changes could reshape property investing, retirement planning,and asset strategies. If you're a landlord, investor, or homeowner, nowis the time to review your capital gains exposure, inheritance planning, anduse of ISAs before the 26 November Budget drops.

#johnlewisproperty #propertyinvestment #section24landlordtax#moneytips #buytoletlandlord

Do THIS and Become a Millionaire: The Simple Habit That Changes Everything

What if becoming a millionaire wasn’t about luck, high income, orrisky bets—but consistency? On the Money Tips Podcast, I break down a simplebut powerful strategy: save 20% ofyour income and invest it into a low-cost index or global tracker fund,such as those following the S&P 500.

Watch full video- https://youtu.be/20Ixol8Ppgw

Globalstock markets may be at an all-time high and due for a correction with theworld in turmoil, but that doesn’t matter if you rigorously stick to this plan.

This approach is backed by decades of market performance. Byconsistently investing and reinvesting returns, you harness the power ofcompound growth. Over time, even modest contributions can snowball into significantwealth.

The real challenge isn’t the math—it’s behaviour. You must delay gratification, avoid lifestyle inflation,and stay disciplined. That means resisting consumer debt for big TV’s andexpensive cars, cutting unnecessary spending, and sticking to your plan monthafter month, year after year.

I first heard a powerful example from Tony Robbins: a man on a below-average incomewho saved and invested 20% consistently for over 40 years. The result? A fundworth around $70 million. Not because he earned more—but because he stayedcommitted.

This strategy is simple, but noteasy. It requires patience, discipline, and long-term thinking. The earlier youstart, the more time compounding has to work in your favour.

Always remember: this content isfor educational purposes only. You should seek independent financial advicebefore making any investment decisions, as I am not your financial advisor. Yourresults may vary.

Start today. Stay consistent. Yourfuture self will thank you.

3 Steps To Success Money Management!

I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.

Join me online on my free live money management trainingWednesday at 7.00PM.

Places are limited, so registernow 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 ofincluding precious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor 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

Landlords DraggedInto Section 24 TAX

As 7 million people set to pay higher rate, 40%, tax thisyear, 16,000 millionaires will leave the UK this year under Rachel Reeves taxpolicies.

Watch video - https://youtu.be/zH1p2uXz4C8

More landlords are being sucked into higher tax bands andpaying more tax due to George Osborne’s ‘Section 24’ tax hike.

If you are a buy-to-let property landlord and help withSection 24, contact: [email protected]

#section24 #landlordtax #MoneyTipsPodcast #MakingTaxDigital#UKLandlords #PropertyInvesting #stockmarket #pensions #iranwar  #goldandsilver #SandP500, #trackerfunds#vanguardindexfund #tonyrobbins

Do THIS and Become a Millionaire: The Simple Habit That Changes Everything

What if becoming a millionaire wasn’t about luck, high income, orrisky bets—but consistency? On the Money Tips Podcast, I break down a simplebut powerful strategy: save 20% ofyour income and invest it into a low-cost index or global tracker fund,such as those following the S&P 500.

Watch full video- https://youtu.be/20Ixol8Ppgw

Globalstock markets may be at an all-time high and due for a correction with theworld in turmoil, but that doesn’t matter if you rigorously stick to this plan.

This approach is backed by decades of market performance. Byconsistently investing and reinvesting returns, you harness the power ofcompound growth. Over time, even modest contributions can snowball into significantwealth.

The real challenge isn’t the math—it’s behaviour. You must delay gratification, avoid lifestyle inflation,and stay disciplined. That means resisting consumer debt for big TV’s andexpensive cars, cutting unnecessary spending, and sticking to your plan monthafter month, year after year.

I first heard a powerful example from Tony Robbins: a man on a below-average incomewho saved and invested 20% consistently for over 40 years. The result? A fundworth around $70 million. Not because he earned more—but because he stayedcommitted.

This strategy is simple, but noteasy. It requires patience, discipline, and long-term thinking. The earlier youstart, the more time compounding has to work in your favour.

Always remember: this content isfor educational purposes only. You should seek independent financial advicebefore making any investment decisions, as I am not your financial advisor. Yourresults may vary.

Start today. Stay consistent. Yourfuture self will thank you.

3 Steps To Success Money Management!

I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.

Join me online on my free live money management trainingWednesday at 7.00PM.

Places are limited, so registernow 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 ofincluding precious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor 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

Landlords DraggedInto Section 24 TAX

As 7 million people set to pay higher rate, 40%, tax thisyear, 16,000 millionaires will leave the UK this year under Rachel Reeves taxpolicies.

Watch video - https://youtu.be/zH1p2uXz4C8

More landlords are being sucked into higher tax bands andpaying more tax due to George Osborne’s ‘Section 24’ tax hike.

If you are a buy-to-let property landlord and help withSection 24, contact: [email protected]

#section24 #landlordtax #MoneyTipsPodcast #MakingTaxDigital#UKLandlords #PropertyInvesting #stockmarket #pensions #iranwar  #goldandsilver #SandP500, #trackerfunds#vanguardindexfund #tonyrobbins

Ex-Teacher’s SIPP lost 15%!

Learn how to protect your pension and investments from astock market crash.

3 Steps To Success Money Management!

I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.

Join me online on my free live money management trainingWednesday at 7.00PM.

Places are limited, so registernow 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 ofincluding precious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor 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

Landlords DraggedInto Section 24 TAX

As 7 million people set to pay higher rate, 40%, tax thisyear, 16,000 millionaires will leave the UK this year under Rachel Reeves taxpolicies.

Watch video - https://youtu.be/zH1p2uXz4C8

More landlords are being sucked into higher tax bands andpaying more tax due to George Osborne’s ‘Section 24’ tax hike.

If you are a buy-to-let property landlord and help withSection 24, contact: [email protected]

#section24 #landlordtax #MoneyTipsPodcast #MakingTaxDigital #UKLandlords #PropertyInvesting #stockmarket #pensions #iranwar #Trump #oilprices #goldandsilver

Ex-Teacher’s SIPP lost 15%!

Learn how to protect your pension and investments from astock market crash.

3 Steps To Success Money Management!

I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.

Join me online on my free live money management trainingWednesday at 7.00PM.

Places are limited, so registernow 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 ofincluding precious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor 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

Landlords DraggedInto Section 24 TAX

As 7 million people set to pay higher rate, 40%, tax thisyear, 16,000 millionaires will leave the UK this year under Rachel Reeves taxpolicies.

Watch video - https://youtu.be/zH1p2uXz4C8

More landlords are being sucked into higher tax bands andpaying more tax due to George Osborne’s ‘Section 24’ tax hike.

If you are a buy-to-let property landlord and help withSection 24, contact: [email protected]

#section24 #landlordtax #MoneyTipsPodcast #MakingTaxDigital#UKLandlords #PropertyInvesting #stockmarket #pensions #iranwar #Trump#oilprices #goldandsilver

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 HMRevenue & Customs (HMRC).

Watchvideo version: https://youtu.be/PK4GckbgmUI

Starting6 April 2026, under the new Making Tax Digitalfor Income Tax (MTD for IT) rules, millions of UK taxpayers must keepdigital records and submit quarterlyupdates using approved accountingsoftware apps listed on the HMRC website. This affects self-employedindividuals and landlords earning above the income threshold from trading orproperty.

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 potentiallyhigher accounting and software costs for small business owners and propertyinvestors.

For many landlords with residential property in their own name,especially those managing multiple rental properties, adopting digital bookkeepingsoftware will be essential. This means switching from spreadsheets or paperrecords to compliant cloud accounting platforms.

HMRC say the aim of MTD is toreduce errors and modernise the UK tax system, but it also means more red tape, admin and planning for millions taxpayers.

Self-employed workers andlandlords should start preparing early to avoid penalties and stay compliant when the rules fully apply.

Landlordsalready hit by Section 24 taxchanges and the Renters Rights Act should seek professional advice and avoidignoring 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 controlof your money, learn how to invest and become financially free.

Join me online on my free live money management trainingWednesday at 7.00PM.

Places are limited, so registernow below to avoid disappointment.

https://bit.ly/3QPp8IH

Landlords DraggedInto Section 24 TAX

As 7 million people set to pay higher rate, 40%, tax thisyear, 16,000 millionaires will leave the UK this year under Rachel Reeves taxpolicies.

Watch video - https://youtu.be/zH1p2uXz4C8

More landlords are being sucked into higher tax bands andpaying more tax due to George Osborne’s ‘Section 24’ tax hike.

If you are a buy-to-let property landlord and help withSection 24, contact: [email protected]

#tax #section24 #landlordtax #higherratetax #MoneyTipsPodcast#MakingTaxDigital #UKLandlords #SelfEmployedUK #PropertyInvesting

Making Tax Digital (MTD) is one of the biggest changes to the UK tax system in decades, and it will significantly impact self-employed businessowners and landlords who own residential property in their personal name. Ifyou currently submit a Self-Assessment tax return once a year, these new ruleswill change how and when you report income to HMRevenue & Customs (HMRC).

Watchvideo version: https://youtu.be/PK4GckbgmUI

Starting6 April 2026, under the new Making Tax Digitalfor Income Tax (MTD for IT) rules, millions of UK taxpayers must keepdigital records and submit quarterlyupdates using approved accountingsoftware apps listed on the HMRC website. This affects self-employedindividuals and landlords earning above the income threshold from trading orproperty.

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 potentiallyhigher accounting and software costs for small business owners and propertyinvestors.

For many landlords with residential property in their own name,especially those managing multiple rental properties, adopting digital bookkeepingsoftware will be essential. This means switching from spreadsheets or paperrecords to compliant cloud accounting platforms.

HMRC say the aim of MTD is toreduce errors and modernise the UK tax system, but it also means more red tape, admin and planning for millions taxpayers.

Self-employed workers andlandlords should start preparing early to avoid penalties and stay compliant when the rules fully apply.

Landlordsalready hit by Section 24 taxchanges and the Renters Rights Act should seek professional advice and avoidignoring 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 controlof your money, learn how to invest and become financially free.

Join me online on my free live money management trainingWednesday at 7.00PM.

Places are limited, so registernow below to avoid disappointment.

https://bit.ly/3QPp8IH

Landlords DraggedInto Section 24 TAX

As 7 million people set to pay higher rate, 40%, tax thisyear, 16,000 millionaires will leave the UK this year under Rachel Reeves taxpolicies.

Watch video - https://youtu.be/zH1p2uXz4C8

More landlords are being sucked into higher tax bands andpaying more tax due to George Osborne’s ‘Section 24’ tax hike.

If you are a buy-to-let property landlord and help withSection 24, contact: [email protected]

#tax #section24 #landlordtax #higherratetax #MoneyTipsPodcast#MakingTaxDigital #UKLandlords #SelfEmployedUK #PropertyInvesting

Stock Markets Tumble as BOMBS DROP on Iran in New Middle East War

Watch video - https://youtu.be/mIMuSm7JoLg

3 Steps To Success Money Management!

I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.

Join me online on my free live money management trainingWednesday at 8.00PM.

Places are limited, so registernow 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 ofincluding precious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor 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 #property

Stock Markets Tumble as BOMBS DROP on Iran in New Middle East War

Watch video - https://youtu.be/mIMuSm7JoLg

3 Steps To Success Money Management!

I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.

Join me online on my free live money management trainingWednesday at 8.00PM.

Places are limited, so registernow 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 ofincluding precious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor 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