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Money Tips Podcast episodes
- Property COLLAPSE in the UK and the Fall of Flats!
Property Collapse As Flat Prices Dive
Is the UK property market crashing?
Westminster down 27%
Kensington down 20%
Flats down in most parts of the UK
Where is the market going and why are flats selling for less than people bought them for 5 years ago?
Property prices are also dropping in the Middle East and Australia as the effects of Trumps war spreads across the globe.
Watch video - https://youtu.be/T6BiYvW8zIk
Renters Rights Act In Force – What Landlords MUST Do To Avoid A £7000 Fine
The Renters Rights Act comes into force on 1 May 2026 giving more rights to millions of residential tenants, and imposing more legislation on landlords.
Watch video - https://youtu.be/EDMJcNXKe0I
Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still need the estimated 2 million private buy-to-let property landlords.
See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s
#propertyinvestment #section24landlordtax #moneytips #buytoletlandlord #section21eviction #rentersrightsact2026 #propertyprices #iranwar #trump #evergrande #Chinalaw
30 min - Smoking Could Cost You £2 million Over Your Lifetime
Smoking a pack of 20 cigarettes a day costs over £5,300 annually according to stop smoking charities. The average price of a standard 20-pack is around £16.45, while 30g of rolling tobacco averages £25.25. Nationally, smoking costs society in England £44.8 billion annually through healthcare, lost productivity, and social care.
Personal Cost Breakdown
On an individual level, the amount you spend adds up extremely fast. Based on a standard 20-pack at today's prices:
10 cigarettes a day: Approx. £2,646 to £3,000 per year
20 cigarettes a day (one pack): Approx. £5,292 to £6,000 per year
40 cigarettes a day: Over £10,500 per year
Economic and Health Impact
Despite the heavy taxes placed on tobacco products, the total societal and financial damage caused by smoking far outweighs the revenue raised.
To Society: Smoking costs England £44.8 billion each year. This figure includes £27.8 billion in lost economic productivity, £14.8 billion in social care, £1.8 billion in NHS healthcare costs, and £383 million in fire damages.
Smoking a pack of 20 cigarettes a day costs over £5,300 annually. The average price of a standard 20-pack is around £16.45, while 30g of rolling tobacco averages £25.25. Nationally, smoking costs society in England £44.8 billion annually through healthcare, lost productivity, and social care.
Personal Cost Breakdown
On an individual level, the amount you spend adds up extremely fast. Based on a standard 20-pack at today's prices:
10 cigarettes a day: Approx. £2,646 to £3,000 per year
20 cigarettes a day (one pack): Approx. £5,292 to £6,000 per year
40 cigarettes a day: Over £10,500 per year
Economic and Health Impact
Despite the heavy taxes placed on tobacco products, the total societal and financial damage caused by smoking far outweighs the revenue raised.
To Society: Smoking costs England £44.8 billion each year. This figure includes £27.8 billion in lost economic productivity, £14.8 billion in social care, £1.8 billion in NHS healthcare costs, and £383 million in fire damages.
See also:
What Landlords MUST Do THIS MONTH To Avoid A £7000 Fine
Landlords must give the government Renters Rights Information Sheet 2026
to all tenants before the end of May or risk a fine of up to £7000.
You can download the official PDF document on the government website at:
https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026
You must serve the actual document to your tenants, in person, by post or email, and not just send them the link.
Landlords should keep a record and obtain a receipt or acknowledgement or proof of service.
Solicitors have reported a wave of Section 21 notices being served on tenants prior to the deadline when ‘no fault evictions’ will no longer apply, according to the Guardian.
Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still need the estimated 2 million private buy-to-let property landlords.
See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s
#propertyinvestment #section24landlordtax #moneytips #buytoletlandlord #section21eviction #rentersrightsact2026 #smokingcost #indexfunds #pensionfunds #investing
13 min - Gold, Silver and UK Residential Property Price Drop
Assets like Gold and Silver and UK residential property have all suffered sharp price drops this year.
Watch video: https://youtu.be/Zupx5H-8xfk
See also:
Renters Rights Act In Force – What Landlords MUST Do To Avoid A £7000 Fine
The Renters Rights Act comes into force on 1 May 2026 giving more rights to millions of residential tenants, and imposing more legislation on landlords.
Watch video - https://youtu.be/EDMJcNXKe0I
What Landlords MUST Do NOW To Avoid A £7000 Fine
Landlords must give the government Renters Rights Information Sheet 2026
to all tenants before the end of May or risk a fine of up to £7000.
You can download the official PDF document on the government website at:
https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026
Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still need the estimated 2 million private buy-to-let property landlords.
See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s
#propertyinvestment #section24landlordtax #moneytips #buytoletlandlord #section21eviction #rentersrightsact2026 #propertyprices #iranwar #gold #silver
19 min - Property Falls
UK property prices fall for the first time this year, according to the Nationwide Building Society.
The lender reports that prices fell by 0.6%, slowing the annual growth rate to 1.7%, citing the Iran war as a factor.
Property prices are also dropping in the Middle East and Australia as the effects of Trumps war spreads across the globe.
Watch video - https://youtu.be/T6BiYvW8zIk
Renters Rights Act In Force – What Landlords MUST Do To Avoid A £7000 Fine
The Renters Rights Act comes into force on 1 May 2026 giving more rights to millions of residential tenants, and imposing more legislation on landlords.
Watch video - https://youtu.be/EDMJcNXKe0I
What Landlords MUST Do NOW To Avoid A £7000 Fine
Landlords must give the government Renters Rights Information Sheet 2026
to all tenants before the end of May or risk a fine of up to £7000.
You can download the official PDF document on the government website at:
https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026
Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still need the estimated 2 million private buy-to-let property landlords.
See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s
#propertyinvestment #section24landlordtax #moneytips #buytoletlandlord #section21eviction #rentersrightsact2026 #propertyprices #iranwar #trump
12 min - Renters Rights Act In Force Today – What Landlords MUST Do To Avoid A £7000 Fine
The Renters Rights Act comes into force on 1 May 2026 giving more rights to millions of residential tenants, and imposing more legislation on landlords.
Watch video -
What Landlords MUST Do THIS MONTH To Avoid A £7000 Fine
Landlords must give the government Renters Rights Information Sheet 2026 to all tenants before the end of May or risk a fine of up to £7000.
You can download the official PDF document on the government website at:
https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026
You must serve the actual document to your tenants, in person, by post or email, and not just send them the link.
Landlords should keep a record and obtain a receipt or acknowledgement or proof of service.
Solicitors have reported a wave of Section 21 notices being served on tenants prior to the deadline when ‘no fault evictions’ will no longer apply, according to the Guardian.
#propertyinvestment #section24landlordtax #moneytips #buytoletlandlord #section21eviction #rentersrightsact2026
23 min - John Lewis Pulls Out Of Residential Property Market
In this podcast we discuss the decision by the major retailer John Lewis to withdraw from developing thousands of residential
properties.Meanwhile, as thousands of small private lands quit the buy-to-let property, private equity firms and hedge funds continue to invest
billions 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 on rental income profits in her budget, which will see the tax burden rise to record levels. Buy-to-let landlords will pay a tax rate two percentage points higher 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 stamp duty surcharge on second property purchases to 5%, which is having a detrimental effect on property development and flipping.
Watch full video here - https://youtu.be/O38dvXPp22k
Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still
need 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 #buytoletlandlord37 min - Where To Invest
Do THIS and Become a Millionaire: The Simple Habit That Changes Everything
What if becoming a millionaire wasn’t about luck, high income, or risky bets—but consistency? On the Money Tips Podcast, I break down a simple but powerful strategy: save 20% of your 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
Global stock markets may be at an all-time high and due for a correction with the world in turmoil, but that doesn’t matter if you rigorously stick to this plan.
This approach is backed by decades of market performance. By consistently investing and reinvesting returns, you harness the power of compound growth. Over time, even modest contributions can snowball into significant wealth.
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 and expensive cars, cutting unnecessary spending, and sticking to your plan month after month, year after year.
I first heard a powerful example from Tony Robbins: a man on a below-average income who saved and invested 20% consistently for over 40 years. The result? A fund worth around $70 million. Not because he earned more—but because he stayed committed.
This strategy is simple, but not easy. It requires patience, discipline, and long-term thinking. The earlier you start, the more time compounding has to work in your favour.
Always remember: this content is for educational purposes only. You should seek independent financial advice before making any investment decisions, as I am not your financial advisor. Your results may vary.
Start today. Stay consistent. Your future self will thank you.
3 Steps To Success Money Management!
I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.
Join me online on my free live money management training Wednesday at 7.00PM.
Places are limited, so register now 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 of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for 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 Dragged Into Section 24 TAX
As 7 million people set to pay higher rate, 40%, tax this year, 16,000 millionaires will leave the UK this year under Rachel Reeves tax policies.
Watch video - https://youtu.be/zH1p2uXz4C8
More landlords are being sucked into higher tax bands and paying more tax due to George Osborne’s ‘Section 24’ tax hike.
If you are a buy-to-let property landlord and help with Section 24, contact: [email protected]
#section24 #landlordtax #MoneyTipsPodcast #MakingTaxDigital #UKLandlords #PropertyInvesting #stockmarket #pensions #iranwar #goldandsilver #SandP500, #trackerfunds #vanguardindexfund #tonyrobbins
14 min - Pensions Stocks Oil
His Pension LOST £20,000 Since The Start of Iran War
Ex-Teacher’s SIPP lost 15%!
Learn how to protect your pension and investments from a stock market crash.
Watch video version - https://youtu.be/fc3NXqqWgAw
3 Steps To Success Money Management!
I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.
Join me online on my free live money management training Wednesday at 7.00PM.
Places are limited, so register now 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 of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for 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 Dragged Into Section 24 TAX
As 7 million people set to pay higher rate, 40%, tax this year, 16,000 millionaires will leave the UK this year under Rachel Reeves tax policies.
Watch video - https://youtu.be/zH1p2uXz4C8
More landlords are being sucked into higher tax bands and paying more tax due to George Osborne’s ‘Section 24’ tax hike.
If you are a buy-to-let property landlord and help with Section 24, contact: [email protected]
#section24 #landlordtax #MoneyTipsPodcast #MakingTaxDigital #UKLandlords #PropertyInvesting #stockmarket #pensions #iranwar #Trump #oilprices #goldandsilver
21 min - Making Tax Digital: What UK Self-Employed & Landlords MUST Do Before the New HMRC Rules Hit on 6 April 2026!
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 HM Revenue & Customs (HMRC).
Starting 6 April 2026, under the new Making Tax Digital for Income Tax (MTD for IT) rules, millions of UK taxpayers must keep digital records and submit quarterly updates using approved accounting software apps listed on the HMRC website. This affects self-employed individuals and landlords earning above the income threshold from trading or property.
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 potentially higher accounting and software costs for small business owners and property investors.
For many landlords with residential property in their own name, especially those managing multiple rental properties, adopting digital bookkeeping software will be essential. This means switching from spreadsheets or paper records to compliant cloud accounting platforms.
HMRC say the aim of MTD is to reduce errors and modernise the UK tax system, but it also means more red tape, admin and planning for millions taxpayers.
Self-employed workers and landlords should start preparing early to avoid penalties and stay compliant when the rules fully apply.
Landlords already hit by Section 24 tax changes and the Renters Rights Act should seek professional advice and avoid ignoring 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 control of your money, learn how to invest and become financially free.
Join me online on my free live money management training Wednesday at 7.00PM.
Places are limited, so register now below to avoid disappointment.
https://bit.ly/3QPp8IH
Landlords Dragged Into Section 24 TAX
As 7 million people set to pay higher rate, 40%, tax this year, 16,000 millionaires will leave the UK this year under Rachel Reeves tax policies.
Watch video - https://youtu.be/zH1p2uXz4C8
More landlords are being sucked into higher tax bands and paying more tax due to George Osborne’s ‘Section 24’ tax hike.
If you are a buy-to-let property landlord and help with Section 24, contact: [email protected]
#tax #section24 #landlordtax #higherratetax #MoneyTipsPodcast #MakingTaxDigital #UKLandlords #SelfEmployedUK #PropertyInvesting
34 min - 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 control of your money, learn how to invest and become financially free.
Join me online on my free live money management training Wednesday at 8.00PM.
Places are limited, so register now 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 of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for 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
33 min
About Money Tips Podcast
From the publisher's feed
Money Tips by Charles Kelly, author of Yes, Money Can Buy You Happiness. Charles spent over 25 years in financial services working for banks, Insurance companies and as a qualified Independent…
Financial Adviser running his practice, before setting up his speaking, consultancy and property business. Money Tips will help you save, make and accumulate more money whether you are a business owner, entrepreneur, employee or still searching for your vocation. For more tips and information visit Mondeytipsdaily.com. The Information given in this podcast is for your entertainment and should not be construed as financial advice. As always, take independent financial advice before making any investment decisions.
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