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

By Charles Kelly Business CoachBusiness

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

April 02, 2025 Trump’s Trade War Will Make Us All Worse Off As Stock Markets Tumble
US Tariffs could lead to a trade war and a global economicslowdown, according to the OECD.
China, Mexico, Canada and the EU have said they will beimposing reciprocal tariffs on America. The UK has yet to react to a “reciprocal”10% Tariff announced by Donald Trump today. Prime Minister Sir Kier Starmersaid a trade war is in nobody’s interest.
Stock markets have been falling around the world puttingmillions of people’s savings and pension pots at risk of a correction or even acrash.
The S&P 500 had its worse quarter since 2022.
3 Steps To Unlocking Financial Freedom!
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
#FinancialFreedom #WealthBuilding#SaveMoney #InvestWisely #CharlesKellyMoneyTips #PersonalFinance #finance#moneytraining #moneymanagement #wealth #money #debt #financialplanning#moneymanagement #financialfreedom #section24tax #debtcrisis #money#businessnews #china #kierstarmer #USEconomy #GoldenAge #UKEconomy #GlobalMarkets #CharlesKellyMoneyTips#Podcast #FinancialPlanning #Investing #WealthManagement #EconomicTrends#tariffs #trump #tradewar

39 min
April 02, 2025 Trump’s Trade War Will Make Us All Worse Off As Stock Markets Tumble
US Tariffs could lead to a trade war and a global economicslowdown, according to the OECD.
China, Mexico, Canada and the EU have said they will beimposing reciprocal tariffs on America. The UK has yet to react to a “reciprocal”10% Tariff announced by Donald Trump today. Prime Minister Sir Kier Starmersaid a trade war is in nobody’s interest.
Stock markets have been falling around the world puttingmillions of people’s savings and pension pots at risk of a correction or even acrash.
The S&P 500 had its worse quarter since 2022.
3 Steps To Unlocking Financial Freedom!
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
#FinancialFreedom #WealthBuilding#SaveMoney #InvestWisely #CharlesKellyMoneyTips #PersonalFinance #finance#moneytraining #moneymanagement #wealth #money #debt #financialplanning#moneymanagement #financialfreedom #section24tax #debtcrisis #money#businessnews #china #kierstarmer #USEconomy #GoldenAge #UKEconomy #GlobalMarkets #CharlesKellyMoneyTips#Podcast #FinancialPlanning #Investing #WealthManagement #EconomicTrends#tariffs #trump #tradewar

39 min
March 31, 2025 Furnished Holiday Let Changes From April 2005 And More Tax Tips From Accountant
Watch full video at Charles Kelly Money Tips Podcast: https://youtu.be/VRexfc258N4
Interview with Chartered Tax Adviser and Accountant on changes to Furnished Holiday Lettings tax regime, IHT, Trusts and Wills, SDLT, pensions, ISA, Non-Dom tax status andend of year tips.
High taxation is one of the reasons 10,000 millionaires left the UK last year. Check out my video on this.
As the tax yeardraws to a close, now is the perfect time to review your finances and takeadvantage of last-minute tax-saving opportunities. In the latest episode of theCharles Kelly Money Tips Podcast, we break down essential end-of-tax-year tipsto help you reduce your tax bill legally and keep more of your hard-earnedmoney.
1. Maximize YourISA Allowance
You can save up to£20,000 tax-free in an Individual Savings Account (ISA). If you haven’t usedyour full allowance, now is the time to top it up.
2. UtilizePension Contributions
Contributing toyour pension not only grows your retirement fund but also reduces taxableincome, with tax relief of up to 45% for higher earners. We don’t know how longthis tax concession will last.
3. ClaimAllowable Expenses
Self-employed?Ensure you claim all deductible expenses, such as home office costs, travel,and professional fees, to lower your taxable profit.
4. Use CapitalGains Allowance
Sell assetsstrategically to take advantage of the current capital gains tax-free allowancebefore it resets in the new tax year.
5. Gift Money IHTTax-Free
Use your annual£3,000 inheritance tax gift allowance to pass on wealth without taximplications. Use it or lose it.
6. Use youraccountant, tax specialist, financial adviser and other professionals to saveyou money.
Good advice cansave you a fortune. Invest in yourself.
Don’t miss out onthese end-of-tax-year strategies—watch the full video now!
7 Powerful Steps to Transform Your Finances in 2025
As we move closer to 2025,now is the perfect time to take charge of your finances and make it your mostsuccessful year yet. In the latest episode of the Charles Kelly Money Tips Podcast,we explore actionable strategies to help you achieve financial freedom andbuild wealth.
Watch full video - https://youtu.be/-k7HPn0u_Ok?si=j6ZpuTlRyCJzuIxY
Section 24 PropertyLandlord Tax Hike
Interview with Chartered Accountant and property taxspecialist who reveals options and solutions to move your properties from yourown name into a limited company or LLP whilst mitigating the potential HMRCpitfalls.
Email [email protected]for a free consultation on how to deal with Section 24.
Watch video now: https://youtu.be/aMuGs_ek17s

#section24 #TaxSavingTips#EndOfTaxYear #FinanceTips #UKTaxes #WealthBuilding #MoneyManagement#PensionPlanning #TaxFreeSavings #CharlesKellyMoneyTips #furnishedholidaylet#IHT #SDLT #ISA
46 min
March 31, 2025 Furnished Holiday Let Changes From April 2005 And More Tax Tips From Accountant
Watch full video at Charles Kelly Money Tips Podcast: https://youtu.be/VRexfc258N4
Interview withChartered Tax Adviser and Accountant on changes to Furnished Holiday Lettings tax regime, IHT, Trusts and Wills, SDLT, pensions,
ISA, Non-Dom tax status and end of year tips.
High taxation is one of the reasons 10,000 millionaires left the UK last year. Check out my video on this.
As the tax year draws to a close, now is the perfect time to review your finances and takeadvantage of last-minute tax-saving opportunities. In the latest episode of theCharles Kelly Money Tips Podcast, we break down essential end-of-tax-year tipsto help you reduce your tax bill legally and keep more of your hard-earnedmoney.
1. Maximize YourISA Allowance
You can save up to£20,000 tax-free in an Individual Savings Account (ISA). If you haven’t usedyour full allowance, now is the time to top it up.
2. UtilizePension Contributions
Contributing toyour pension not only grows your retirement fund but also reduces taxableincome, with tax relief of up to 45% for higher earners. We don’t know how longthis tax concession will last.
3. ClaimAllowable Expenses
Self-employed?Ensure you claim all deductible expenses, such as home office costs, travel,and professional fees, to lower your taxable profit.
4. Use CapitalGains Allowance
Sell assetsstrategically to take advantage of the current capital gains tax-free allowancebefore it resets in the new tax year.
5. Gift Money IHTTax-Free
Use your annual£3,000 inheritance tax gift allowance to pass on wealth without taximplications. Use it or lose it.
6. Use youraccountant, tax specialist, financial adviser and other professionals to saveyou money.
Good advice cansave you a fortune. Invest in yourself.
Don’t miss out onthese end-of-tax-year strategies—watch the full video now!
7 Powerful Steps to Transform Your Finances in 2025
As we move closer to 2025,now is the perfect time to take charge of your finances and make it your mostsuccessful year yet. In the latest episode of the Charles Kelly Money Tips Podcast,we explore actionable strategies to help you achieve financial freedom andbuild wealth.
Watch full video - https://youtu.be/-k7HPn0u_Ok?si=j6ZpuTlRyCJzuIxY
Section 24 PropertyLandlord Tax Hike
Interview with Chartered Accountant and property taxspecialist who reveals options and solutions to move your properties from yourown name into a limited company or LLP whilst mitigating the potential HMRCpitfalls.
Email [email protected]for a free consultation on how to deal with Section 24.
Watch video now: https://youtu.be/aMuGs_ek17s

#section24 #TaxSavingTips#EndOfTaxYear #FinanceTips #UKTaxes #WealthBuilding #MoneyManagement#PensionPlanning #TaxFreeSavings #CharlesKellyMoneyTips #furnishedholidaylet#IHT #SDLT #ISA
46 min
March 22, 2025 Buy-to-Let UK Property Companies Soar After Section 24 Tax on Landlords
The number of UK buy-to-let property companies listed atCompanies House has soared to record levels since George Osbourne introduced his ‘Section 24’ tax bombshell onlandlords.
If you are stuck in the Section 24 tax trap contact me at [email protected] to arrangea free consultation with a property tax specialist.
There are now over 400,000 limited property companiesregistered, more than any other businesses and four times as many as fast foodfirms. Since 2016 there has been a fourfold rise in incorporated buy-to-letbusinesses, much of which is due to George Osbourne’s ‘Section 24’ tax hike on landlords.
The change in the law meant that buy-to-let landlords with propertiesheld in their own names could no longer offset mortgage interest against theirrent (pre-profit gross income).
Almost 700,000 properties are now held in limited companies,rather than in individual names, which has become the standard method used tobuy investment property in the UK.
Watch full videoversion - https://youtu.be/tdcdZDdu7qY
Section 24 PropertyLandlord Tax Hike
Interview with Chartered Accountant and property taxspecialist who reveals options and solutions to move your properties from yourown name into a limited company or LLP whilst mitigating the potential HMRCpitfalls.
Email [email protected]for a free consultation on how to deal with Section 24.
Watch video now: https://youtu.be/aMuGs_ek17s

#section24 #TaxSavingTips #FinanceTips #UKTaxes #WealthBuilding#MoneyManagement #PensionPlanning #TaxFreeSavings #CharlesKellyMoneyTips ##property #propertycompany #investmentproperty #buytoletlandlord

14 min
March 22, 2025 Buy-to-Let UK Property Companies Soar After Section 24 Tax on Landlords
The number of UK buy-to-let property companies listed atCompanies House has soared to record levels since George Osbourne introduced his ‘Section 24’ tax bombshell onlandlords.
If you are stuck in the Section 24 tax trap contact me at [email protected] to arrangea free consultation with a property tax specialist.
There are now over 400,000 limited property companiesregistered, more than any other businesses and four times as many as fast foodfirms. Since 2016 there has been a fourfold rise in incorporated buy-to-letbusinesses, much of which is due to George Osbourne’s ‘Section 24’ tax hike on landlords.
The change in the law meant that buy-to-let landlords with propertiesheld in their own names could no longer offset mortgage interest against theirrent (pre-profit gross income).
Almost 700,000 properties are now held in limited companies,rather than in individual names, which has become the standard method used tobuy investment property in the UK.
Watch full videoversion - https://youtu.be/tdcdZDdu7qY
Section 24 PropertyLandlord Tax Hike
Interview with Chartered Accountant and property taxspecialist who reveals options and solutions to move your properties from yourown name into a limited company or LLP whilst mitigating the potential HMRCpitfalls.
Email [email protected]for a free consultation on how to deal with Section 24.
Watch video now: https://youtu.be/aMuGs_ek17s

#section24 #TaxSavingTips #FinanceTips #UKTaxes #WealthBuilding#MoneyManagement #PensionPlanning #TaxFreeSavings #CharlesKellyMoneyTips ##property #propertycompany #investmentproperty #buytoletlandlord

14 min
March 14, 2025 The Future of Global Business, Finance, BRICS, Crypto and AI
As one of the top global influencers in the future offinance, Emmanuel David is renowned for his ability to illuminate how financeis being transformed through a combination of geopolitics, cutting-edgetechnologies and decentralised finance.
Watch video - https://youtu.be/-Wf4d2pH2mA?si=0RZyBau3f4RffJS5
His work covers the full range of topics including:
•⁠ ⁠the future of the dollar as areserve currency,
•⁠ ⁠the BRICS payment system,
•⁠ ⁠the failure of CBDCs and therise of stablecoins
•⁠ ⁠when the U.S. embraces crypto,
•⁠ ⁠the impact of AI on finance,
•⁠ ⁠traditional banking and DeFi,
•⁠ ⁠APIs and the cloud in finance
•⁠ ⁠The personalization of finance
Emmanuel is the founder of TAB Global, which encompassesplatforms like The Asian Banker, Wealth and Society, and The Banking Academy.These platforms have been instrumental in building vital connections within thefinancial industry, fostering collaboration, and driving innovation on a globalscale.
End of tax year tips
As the tax yearcomes to a close, now is the perfect time to review your finances and takeadvantage of last-minute tax-saving opportunities.
Rachel Reeves hastalked about “simplifying” ISAs, which could mean slashing the annual allowancefor savings ISAs, currently £20,000.
See full videoepisode - https://youtu.be/uXcCqWj_xfs?si=51rN_XvVb4ntWexO
Section 24 PropertyLandlord Tax Hike
Interview with Chartered Accountant and property taxspecialist who reveals options and solutions to move your properties from yourown name into a limited company or LLP whilst mitigating the potential HMRCpitfalls.
Email [email protected]for a free consultation on how to deal with Section 24.
Watch video now: https://youtu.be/aMuGs_ek17s

#section24 #TaxSavingTips #EndOfTaxYear #FinanceTips #UKTaxes #WealthBuilding#MoneyManagement #PensionPlanning #TaxFreeSavings #CharlesKellyMoneyTips#emmanueldavid #globalfinace #property
1 hr 12 min
March 14, 2025 The Future of Global Business, Finance, BRICS, Crypto and AI
As one of the top global influencers in the future offinance, Emmanuel David is renowned for his ability to illuminate how financeis being transformed through a combination of geopolitics, cutting-edgetechnologies and decentralised finance.
Watch video - https://youtu.be/-Wf4d2pH2mA?si=0RZyBau3f4RffJS5
His work covers the full range of topics including:
•⁠ ⁠the future of the dollar as areserve currency,
•⁠ ⁠the BRICS payment system,
•⁠ ⁠the failure of CBDCs and therise of stablecoins
•⁠ ⁠when the U.S. embraces crypto,
•⁠ ⁠the impact of AI on finance,
•⁠ ⁠traditional banking and DeFi,
•⁠ ⁠APIs and the cloud in finance
•⁠ ⁠The personalization of finance
Emmanuel is the founder of TAB Global, which encompassesplatforms like The Asian Banker, Wealth and Society, and The Banking Academy.These platforms have been instrumental in building vital connections within thefinancial industry, fostering collaboration, and driving innovation on a globalscale.
End of tax year tips
As the tax yearcomes to a close, now is the perfect time to review your finances and takeadvantage of last-minute tax-saving opportunities.
Rachel Reeves hastalked about “simplifying” ISAs, which could mean slashing the annual allowancefor savings ISAs, currently £20,000.
See full videoepisode - https://youtu.be/uXcCqWj_xfs?si=51rN_XvVb4ntWexO
Section 24 PropertyLandlord Tax Hike
Interview with Chartered Accountant and property taxspecialist who reveals options and solutions to move your properties from yourown name into a limited company or LLP whilst mitigating the potential HMRCpitfalls.
Email [email protected]for a free consultation on how to deal with Section 24.
Watch video now: https://youtu.be/aMuGs_ek17s

#section24 #TaxSavingTips #EndOfTaxYear #FinanceTips #UKTaxes #WealthBuilding#MoneyManagement #PensionPlanning #TaxFreeSavings #CharlesKellyMoneyTips#emmanueldavid #globalfinace #property
1 hr 12 min
March 06, 2025 Inflation Jumps To 3% Dashing Hopes Of Interest Rate Cut
Inflation Jumps To 3% Dashing Hopes Of Interest Rate Cut
The Bank of England cut base interest rates from 4.75% to4.5% in February, their lowest level for 18 months and raising hopes of further cuts in 2025.
But now inflation has reared its ugly head again with anunexpected rise to 3%, largely driven by higher government borrowing and spending, as well as public sector pay rises.
See video version - https://youtu.be/7Sc0oL4BHdM
Mortgage holders and property buyers were hoping that theBank of England would continue cutting rates this year and whilst this couldstill happen there is unlikely to be a further cut when the bank’s monetarycommittee meets on 20 March.
Higher interest rates have a direct impact on how much youcan borrow to buy a property, as the banks apply strict affordability criteria.However, the government has talked about easing mortgage lending to stimulatethe flagging market and help first time buyers.
Higher stamp duty does NOTHING to help people who want tobuy their own home.
End of tax year tips
As the tax yearcomes to a close, now is the perfect time to review your finances and takeadvantage of last-minute tax-saving opportunities.
Rachel Reeves hastalked about “simplifying” ISAs, which could mean slashing the annual allowancefor savings ISAs, currently £20,000.
See full videoepisode - https://youtu.be/uXcCqWj_xfs?si=51rN_XvVb4ntWexO
Section 24 PropertyLandlord Tax Hike
Interview with Chartered Accountant and property taxspecialist who reveals options and solutions to move your properties from yourown name into a limited company or LLP whilst mitigating the potential HMRCpitfalls.
Email [email protected]for a free consultation on how to deal with Section 24.
Watch video now: https://youtu.be/aMuGs_ek17s

#section24 #TaxSavingTips #EndOfTaxYear #FinanceTips #UKTaxes#WealthBuilding #MoneyManagement #PensionPlanning #TaxFreeSavings#CharlesKellyMoneyTips

15 min
March 06, 2025 Inflation Jumps To 3% Dashing Hopes Of Interest Rate Cut
Inflation Jumps To 3% Dashing Hopes Of Interest Rate Cut
The Bank of England cut base interest rates from 4.75% to4.5% in February, their lowest level for 18 months and raising hopes of further cuts in 2025.
But now inflation has reared its ugly head again with anunexpected rise to 3%, largely driven by higher government borrowing and spending, as well as public sector pay rises.
See video version - https://youtu.be/7Sc0oL4BHdM
Mortgage holders and property buyers were hoping that theBank of England would continue cutting rates this year and whilst this couldstill happen there is unlikely to be a further cut when the bank’s monetarycommittee meets on 20 March.
Higher interest rates have a direct impact on how much youcan borrow to buy a property, as the banks apply strict affordability criteria.However, the government has talked about easing mortgage lending to stimulatethe flagging market and help first time buyers.
Higher stamp duty does NOTHING to help people who want tobuy their own home.
End of tax year tips
As the tax yearcomes to a close, now is the perfect time to review your finances and takeadvantage of last-minute tax-saving opportunities.
Rachel Reeves hastalked about “simplifying” ISAs, which could mean slashing the annual allowancefor savings ISAs, currently £20,000.
See full videoepisode - https://youtu.be/uXcCqWj_xfs?si=51rN_XvVb4ntWexO
Section 24 PropertyLandlord Tax Hike
Interview with Chartered Accountant and property taxspecialist who reveals options and solutions to move your properties from yourown name into a limited company or LLP whilst mitigating the potential HMRCpitfalls.
Email [email protected]for a free consultation on how to deal with Section 24.
Watch video now: https://youtu.be/aMuGs_ek17s

#section24 #TaxSavingTips #EndOfTaxYear #FinanceTips #UKTaxes#WealthBuilding #MoneyManagement #PensionPlanning #TaxFreeSavings#CharlesKellyMoneyTips

15 min