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

36 Rich Habits Followed By Wealthy And Successful People Part 2

For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.

These are the Rich Habits followed by the wealthy and successful people, and mentors, I have observed.

1. They have a daily routine.

2. They work hard, and smart.

3. They wake up early.

4. They read books.

5. They keep learning.

6. They are good listeners.

7. They work out and exercise.

8. They eat well and stay healthy.

9. They are disciplined in their lives.

10. They manage their money.

11. They make their money work hard for them.

12. They manage their time.

13. They believe time is money.

14. They avoid procrastination.

15. They avoid negative or toxic people.

16. They are organised and dependable.

17. They make time work for them rather than exchanging time for money.

18. They value family and home life and spend quality time with the family.

19. They are usually nice, personable or likeable people.

20. They are generous, give back through ‘giving’ and charities.

21. They have a strong magnetism, charisma and energy field.

22. They have a relaxed, calm and self-assured manner or energy.

23. They are leaders in one form or another and lead by example.

24. They get along with people and work well in or build a team around them.

Watch video on YouTube Channel: https://youtu.be/UKidabRupUU

For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.

For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.

These are the Rich Habits followed by the wealthy and successful people, and mentors, I have observed.

1. They have a daily routine.

2. They work hard, and smart.

3. They wake up early.

4. They read books.

5. They keep learning.

6. They are good listeners.

7. They work out and exercise.

8. They eat well and stay healthy.

9. They are disciplined in their lives.

10. They manage their money.

11. They make their money work hard for them.

12. They manage their time.

Do you have a vision for your life?

Do you have clear, written goals and a plan for achieving them?

Mind your business

Your mind is your business!

What are you putting into your mind?

What are you feeding your mind?

What books are you reading?

How many books have you read this year?

How are you investing in yourself?

What podcasts are you listening to?

What courses and learning are you taking?

Who are you watching and listening to?

Who are you surrounding yourself with?

What do you understand by debt?

Do you know the difference between a credit card and a debit card?

Do you have a plan to get out of debt?

Do you have a plan to build long-term wealth?

Do you have a coach or mentor?

See also:

The rich and successful have coaches and mentors, and never stop learning.

For more tips and money-making ideas and coaching see Master Your Money the S.M.A.R.T Way training.

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For more tips and money-making ideas and coaching see Master Your Money the S.M.A.R.TWay training. Check it out for free - https://bit.ly/3isugCr.

The UK government giving out billions in grants to homeowners to cut energy costs – including installing insulation and even solar panels.

But one type of insulation, spray foam, could make your home value go to “zero”, according to surveyors and property valuers for mortgages.

BBC reported that one couple had their property valued at “zero” by a lender’s surveyor due to spray foam in the loft.

DO NOTinstal Spray Foam Insulation!

Watch YouTube Video - https://youtu.be/_xzFi-Y8wRo

House Prices Saw Biggest Drop In 14 Years, Halifax Report Reveals

For more tips and money-making ideas and coaching see Master Your Money the S.M.A.R.TWay training. Check it out for free - https://bit.ly/3isugCr.

UK house prices suffered their biggest drop in 14 years in November, falling by 2.3%, according to the largest mortgage lender The Halifax.

At the same time, London rental prices have soared 17% or £273 per month in the last year, according to Zoopla.

Other large regional cities have seen similar increases, including Manchester, up 15.6%, Birmingham (12.3%), Glasgow (14.1%), Bristol (12.9%) and Sheffield (2.4%).

The average rent for new lets soared by £117 per month since last year, reaching £1,078 per calendar month.

Rental growth now stands at 12% per year, twice the growth in earnings and accounting for over a third of average earnings for a single person.

People Out Spending Despite Recession

London has been packed with shoppers and visitors splashing their cash.

More Money Tips Episodes:

Transfer Property To A Limited Company WITHOUT Paying Capital Gains Tax or Stamp Duty Tax - https://youtu.be/mtGq7WaVxLA

Making Tax Digital – MTD Means More Red Taper Ahead For Weary Landlords - https://youtu.be/mYhJSCbOGLE

For more tips and money-making ideas and coaching see Master Your Money the S.M.A.R.TWay training. Check it out for free - https://bit.ly/3isugCr.

#freetraining #savemoney #moneysavingtips #mortgage #creditcarddebt #costofliving #goals #houseprices #property #getcontroloffinances #money #halifax #housingmarket #interestrates #inflation #tax #section24 #buytoletlandlrd #propertyinvestor #Zoopla #rents

For more tips and money-making ideas see Master Your Money the S.M.A.R.TWay training. Check it out for free - https://bit.ly/3isugCr.

Landlords with more than three properties held in their personal name, or paying higher rate tax, should consider moving their property into a limited company to save tax.

Using a company structure can also help you pass property onto children while mitigating the inheritance tax burden.

Watch video versionon my YouTube channel - https://youtu.be/mtGq7WaVxLA

It has been 5 years since George Osborne introduced his Sec 24 tax changes, penalising millions of buy-to-let landlords, but you can do something to legally avoid the ‘Osborne gut punch’.

The process is complex, legal and requires specialist advice. Landlords will incur fees, but the savings more than outweigh the costs.

With the right advice you can legally create a tax-free pot of money!

If you are a landlordor property investor with three or more properties in your own name and would like to save tax email or message me.

Learn why 85,000 Buy-to-Let Landlords Quit Property Rental Market - https://youtu.be/NME3nEu8dAQ

Personal Debt Soaring Citizens Advice warns

Half Citizens Advice clients are falling behind with debt payments and budget.

See: 10 Tips To Avoid Christmas Debt - https://youtu.be/n7vSK5LlONU

The debt charity StepChange reports that the cost of living as their main reason for debt, and seven in 10 of them are women.

The credit report company Clearscore reports data which shows a 7.1% increase in the use of expensive overdrafts since 2021.

National Energy Action expects the number of UK households in fuel poverty to increase from 4.5 million last October to 8.4 million in April.

If you are struggling with debt there is help available through charities like Citizens Advice and Stepchange: See - https://www.stepchange.org

You may also be able to reduce debt repayments or even write off all or most of your debts with the right professional advice. Email or message me.

Recessions create opportunities to make money and build a fortune if you have the correct mindset.

For more ideas and tips, see out my new training to help you get control of your finances in 28 days!

Click to join: https://bit.ly/3isugCr

#freetraining #savemoney #moneysavingtips #mortgage #creditcarddebt #costofliving #goals #houseprices #property #getcontroloffinances #money #halifax #housingmarket #interestrates #inflation #tax #section24 #buytoletlandlrd #propertyinvestor

85,000 Buy-to-Let Landlords Quit Property Rental Market

For more tips and money-making ideas see my programme, Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.

· In the last 5 years, 85,000 landlords have quit the rental property market!

· Government red tape, planned legislation, increased costs and tax changes are to blame.

· Now they must contend with higher mortgage rates and the end to ‘no fault evictions.

· Demand for rental properties up 14%, some areas by 200% rise in enquiries say Rightmove.

· Available properties to rent dropped 35% in the last year, according to BBC report.

A quarter of UK adults have less than £100 in savings, according to a survey by the Money and Pensions Service.

Watch YouTube video version - https://youtu.be/NME3nEu8dAQ

The research found that 17% have NOTHING set aside, 5% have less than £50 and 4% between £50 and £100 in savings.

As the cost-of-living soars, the figures predict that millions of Britons living in one of the richest countries in the world have no savings.

The Bank of England warns that the UK will enter the longest recession ever, as they raised interest rates by the highest level since 1989 to help fulfil their own prophecy.

Recessions create opportunities to make money and build a fortune if you have the correct mindset.

For more ideas and tips, see out my new training to help you get control of your finances in 28 days!

Click to join: https://bit.ly/3isugCr

#freetraining #savemoney #moneysavingtips #mortgage #creditcarddebt #costofliving #goals #houseprices #property #getcontroloffinances #money #halifax #housingmarket #interestrates #inflation

House prices suffer biggest fall for 2 years as higher mortgage rates hit affordability.

Pensions fall by up to 40%! Time to learn how to manage your own money. Check out my new training to help you get control of your finances in 28 days! Click to join: https://bit.ly/3isugCr

UK house prices saw their worst monthly drop for over two years in November as rising interest rates slowed down the property market, the Nationwide has said.

· Prices fell by 1.4% from October 2022 - the largest month-on-month fall since June 2020.

· Annual house price growth saw a "sharp slowdown", the Nationwide building society figures revealed, plummeting to 4.4% from 7.2% in October.

· The lender added the housing market will "remain subdued" in the coming months.

The UK government's own official forecaster predicted that house prices will fall by 9% over the next two years as affordability issues weigh on demand, and the Bank of England said we are entering the worst recession on record.

Watch video on YouTube channel - https://youtu.be/oCJIAiYcbyU

The average property price fell to £263,788 last month from £268,282 in October, the Nationwide said.

WARNING - Spray foam insulation can render your property WORTHLESS – according to RICS surveyors.

Government giving out billions in grants to homeowners to insulate and cut energy costs – including solar panels.

Pension pots lose up to 40% following bond market crisis.

The financial services industry has let us down with poor advice and products, low fund performance and high charges and fees.

See also: How To Grow Your Online Reviews And Feedback - https://youtu.be/xoV--yCYRn4

Don’t rely on the financial services industry, financial advisers or the government to fund your retirement.

· 3 million people have lost track of their pension pots.

· £27 billion in pensions lies unclaimed in insurance company coffers…visit the ‘gov.uk website to track your old pensions.

Educate yourself to manage your own money, build wealth and row your own boat.

Start with the basics. Check out my new training to help you get control of your finances in 28 days!

Click to join: https://bit.ly/3isugCr

#finance #financialfreedom #freefinancialtraining #freetraining #money #wealth #marketing #onlinemarketing #pensions #propertyprices #propertymarket #houseprices

House prices suffer biggest fall for 2 years. 

Pensions fall by up to 40%! Time to learn how to manage your own money. Check out my new training to help you get control of your finances in 28 days! Click to join: https://bit.ly/3isugCr

UK house prices saw their worst monthly drop for over two years in November as rising interest rates slowed down the property market, the Nationwide has said.

· Prices fell by 1.4% from October 2022 - the largest month-on-month fall since June 2020.

· Annual house price growth saw a "sharp slowdown", the Nationwide building society figures revealed, plummeting to 4.4% from 7.2% in October.

· The lender added the housing market will "remain subdued" in the coming months.

The UK government's own official forecaster predicted that house prices will fall by 9% over the next two years as affordability issues weigh on demand, and the Bank of England said we are entering the worst recession on record.

Watch video on YouTube channel - https://youtu.be/oCJIAiYcbyU

The average property price fell to £263,788 last month from £268,282 in October, the Nationwide said.

WARNING - Spray foam insulation can render your property WORTHLESS – according to RICS surveyors.

Government giving out billions in grants to homeowners to insulate and cut energy costs – including solar panels.

Pension pots lose up to 40% following bond market crisis.

The financial services industry has let us down with poor advice and products, low fund performance and high charges and fees.

See also: How To Grow Your Online Reviews And Feedback - https://youtu.be/xoV--yCYRn4

Don’t rely on the financial services industry, financial advisers or the government to fund your retirement.

· 3 million people have lost track of their pension pots.

· £27 billion in pensions lies unclaimed in insurance company coffers…visit the ‘gov.uk website to track your old pensions.

Educate yourself to manage your own money, build wealth and row your own boat.

Start with the basics. Check out my new training to help you get control of your finances in 28 days!

Click to join: https://bit.ly/3isugCr

How To Grow Your Online Reviews And Feedback

Check out my new trainingto help you get control of your finances in 28 days! Click to join: https://bit.ly/3isugCr

Online marketing expert, Chadesh Parekh of NERO Digital Labs explains how to grow your online business reviews and customer feedback.

· Get more genuine customer reviews

· Use customer feedback to grow your online reputation

· Make more money online organically through reputational marketing

Chandesh Parekh is website accessibility and inclusivity consultant, web developer and online reputation marketer.

Chandesh has been professionally immersed in the world wide web for over 20 years and helps businesses with their online marketing strategies, particularly focussing on customer feedback, ratings and reviews.

Watch YouTube video version - https://youtu.be/xoV--yCYRn4

You can connect with Chandesh on LinkedIn on at his website.

NERO Digital Labs Link: https://nerodigital.co.uk/services/reputation-marketing/

Check out my new training to help you get control of your finances in 28 days!

Click to join: https://bit.ly/3isugCr

#finance #financialfreedom #freefinancialtraining #freetraining #money #wealth #marketing #reputationmarketing #onlinemarketing #digitalmarketing

UK net migration reached a record 504,000 in the year to June, The Office for National Statistics (ONS) reports.  

Check out my new training to help you get control of your finances in 28 days! Click to join: https://bit.ly/3isugCr 

At the same time, the ONS also reports that rents are rising by the fastest rate since records began, despite a slowdown in property sales. Rents in the private sector have increased by 3.8pc in the 12 months to October 2022 - the biggest annual percentage change since records began in January 2016, according to the ONS rent inflation index. Business demand more migrants However, business leaders have called for higher immigration to boost growth and fill millions of job vacancies in the UK. 

The number of recorded Asylum applications which includes illegal migrants trafficked in small boats across the English Channel, hit 73,000 in the year to September, around 15% of all those who arrive in the country in any given period. Migration figures reveal that a large numbers coming here from outside the European Union - 170,000 from Ukraine and 76,000 from Hong Kong under a scheme to resettle people who count as British citizens. International students Included in the net migration figures, 277,000 overseas students came to the UK study, double the number of student visas from the previous year – possibly influenced by the lifting of travel restrictions, according to the ONS. 

The increase in immigration coincides with soaring rents at a time when the property sales market has slowed and thousands of landlords quit the buy-to-let property market - https://youtu.be/NME3nEu8dAQNationwide providers like Serco have earned millions housing asylum seekers and will work with private landlords. 

If you live or work in the North London, Watford or Herts area you might be interested in a face-to-face networking meeting at the Beech House, 49 High Street, Watford, England, WD17 1LJ, Thursday 1 December 10am-12. For more information see: https://www.business-buzz.org/hertfordshire/business-networking-watford

With the UK entering the worst recession since records began, there’s never been a more important time to get your own finances in order and learn how to manage your money and increase your wealth. 

Check out my new free training to help you get control of your finances in 28 days! Free to join: https://bit.ly/3isugCr

Making Tax Digital Rules Will KILL Buy-to-Let Property Market For Small Landlords

Check out my new training to help you get control of your finances in 28 days!

Click to join: https://bit.ly/3isugCr

New HMRC Making Tax Digital Rules (MTD) will make life MUCH harder and more costly for small buy-to-let landlords, adding further red tape to the misery of increased legislation and higher interest rates.

Watch video versionat my YouTube channel - https://youtu.be/mYhJSCbOGLE

Interview with Tax Consultant James Cannaford of Hawthorne Tax Consultancy who covers:

· How MTD will ne a nightmare for smaller landlords, not companies and partnerships.

· How Jeremy Hunt’s Autumn budget statement will affect buy-to-let landlords.

· Increased legislation and higher commercial interest rates.

· Capital Gains Tax changes.

· Corporation Tax changes.

· AIRBNB HMRC deal.

To reach James Cannaford

Website: www.hawthorneconsultancy.com

Email: [email protected]

Phone: 01442 97 44 99

LinkedIn: https://uk.linkedin.com/in/james-cannaford-621527195

Get your own finances in order and learn how to manage your money and increase your wealth.

Check out my new training to help you get control of your finances in 28 days!

Click to join: https://bit.ly/3isugCr

#tax #property #capitalgainstax #finance #financialfreedom #freefinancialtraining #freetraining #money #wealth #landlord #buytoletlandlord #propertyinvestment #makingtaxdigital