Money Tips Podcast

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 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 take advantage of last-minute tax-saving opportunities. In the latest episode of the Charles Kelly Money Tips Podcast, we break down essential end-of-tax-year tips to help you reduce your tax bill legally and keep more of your hard-earned money.

• Maximize Your ISA Allowance

You can save up to £20,000 tax-free in an Individual Savings Account (ISA). If you haven’t used your full allowance, now is the time to top it up.

• Utilize Pension Contributions

Contributing to your pension not only grows your retirement fund but also reduces taxable income, with tax relief of up to 45% for higher earners. We don’t know how long this tax concession will last.

• Claim Allowable Expenses

Self-employed? Ensure you claim all deductible expenses, such as home office costs, travel, and professional fees, to lower your taxable profit.

• Use Capital Gains Allowance

Sell assets strategically to take advantage of the current capital gains tax-free allowance before it resets in the new tax year.

• Gift Money IHT Tax-Free

Use your annual £3,000 inheritance tax gift allowance to pass on wealth without tax implications. Use it or lose it.

• Use your accountant, tax specialist, financial adviser and other professionals to save you money.

Good advice can save you a fortune. Invest in yourself.

Don’t miss out on these 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 most successful year yet. In the latest episode of the Charles Kelly Money Tips Podcast, we explore actionable strategies to help you achieve financial freedom and build wealth.

Watch full video - https://youtu.be/-k7HPn0u_Ok?si=j6ZpuTlRyCJzuIxY

Section 24 Property Landlord Tax Hike

Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls.

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

The number of UK buy-to-let property companies listed at Companies House has soared to record levels since George Osbourne introduced his ‘Section 24’ tax bombshell on landlords.

If you are stuck in the Section 24 tax trap contact me at [email protected] to arrange a free consultation with a property tax specialist.

There are now over 400,000 limited property companies registered, more than any other businesses and four times as many as fast food firms. Since 2016 there has been a fourfold rise in incorporated buy-to-let businesses, 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 properties held in their own names could no longer offset mortgage interest against their rent (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 to buy investment property in the UK.

Watch full video version - https://youtu.be/tdcdZDdu7qY

Section 24 Property Landlord Tax Hike

Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls.

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 

About Emmanuel.

Global Influencer in Finance 

As one of the top global influencers in the future of finance, Emmanuel is renowned for his ability to illuminate how finance is being transformed through a combination of geopolitics, cutting-edge technologies and decentralised finance. 

His work covers the full range of topics including:

• ⁠  ⁠the future of the dollar as a reserve currency, 
• ⁠  ⁠the BRICS payment system,
• ⁠  ⁠the failure of CBDCs and the rise 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 encompasses platforms like The Asian Banker, Wealth and Society, and The Banking Academy. These platforms have been instrumental in building vital connections within the financial industry, fostering collaboration, and driving innovation on a global scale.

End of tax year tips

As the tax year comes to a close, now is the perfect time to review your finances and take advantage of last-minute tax-saving opportunities.

Rachel Reeves has talked about “simplifying” ISAs, which could mean slashing the annual allowance for savings ISAs, currently £20,000.

See full video episode - https://youtu.be/uXcCqWj_xfs?si=51rN_XvVb4ntWexO

Section 24 Property Landlord Tax Hike

Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls.

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

The Bank of England cut base interest rates from 4.75% to 4.5% 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 an unexpected 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 the Bank of England would continue cutting rates this year and whilst this could still happen there is unlikely to be a further cut when the bank’s monetary committee meets on 20 March.

Higher interest rates have a direct impact on how much you can borrow to buy a property, as the banks apply strict affordability criteria. However, the government has talked about easing mortgage lending to stimulate the flagging market and help first time buyers.

Higher stamp duty does NOTHING to help people who want to buy their own home.

End of tax year tips

As the tax year comes to a close, now is the perfect time to review your finances and take advantage of last-minute tax-saving opportunities.

Rachel Reeves has talked about “simplifying” ISAs, which could mean slashing the annual allowance for savings ISAs, currently £20,000.

See full video episode - https://youtu.be/uXcCqWj_xfs?si=51rN_XvVb4ntWexO

Section 24 Property Landlord Tax Hike

Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls.

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

UK Chancellor Rachel Reeves has talked about “simplifying” ISAs, which could mean slashing the annual allowance for savings ISAs, currently £20,000.

The government wants your money…

Watch full video at Charles Kelly Money Tips Podcast - https://youtu.be/uXcCqWj_xfs

They don’t produce wealth, they just tax those who do! They take from us to spend our money. 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 take advantage of last-minute tax-saving opportunities. In the latest episode of the Charles Kelly Money Tips Podcast, we break down essential end-of-tax-year tips to help you reduce your tax bill legally and keep more of your hard-earned money.

1. Maximize Your ISA Allowance

You can save up to £20,000 tax-free in an Individual Savings Account (ISA). If you haven’t used your full allowance, now is the time to top it up.

2. Utilize Pension Contributions

Contributing to your pension not only grows your retirement fund but also reduces taxable income, with tax relief of up to 45% for higher earners. We don’t know how long this tax concession will last.

3. Claim Allowable 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 Capital Gains Allowance

Sell assets strategically to take advantage of the current capital gains tax-free allowance before it resets in the new tax year.

5. Gift Money IHT Tax-Free

Use your annual £3,000 inheritance tax gift allowance to pass on wealth without tax implications. Use it or lose it.

6. Use your accountant, tax specialist, financial adviser and other professionals to save you money.

Good advice can save you a fortune. Invest in yourself.

Don’t miss out on these 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 most successful year yet. In the latest episode of the Charles Kelly Money Tips Podcast, we explore actionable strategies to help you achieve financial freedom and build wealth.

Watch full video - https://youtu.be/-k7HPn0u_Ok?si=j6ZpuTlRyCJzuIxY

Section 24 Property Landlord Tax Hike

Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls.

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

The price of precious metals like gold, sliver and platinum have soared in price in the last 12 month amid market fears and rising inflation.

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.

In the ever-evolving landscape of investment opportunities, the age-old appeal of precious metals like gold and silver remains steadfast. Investors are often confronted with a myriad of choices, ranging from the digital allure of cryptocurrencies to the stability of stocks and the tangibility of real estate. In this comparison, we explore why investing in gold and silver continues to be a compelling option compared to the alternatives.

Watch YouTube video: https://youtu.be/woBQBtavLUM

1. Historical Stability:

Gold and silver have stood the test of time as reliable stores of value. Throughout history, these precious metals have retained their purchasing power, acting as a hedge against inflation and economic uncertainties. Unlike cryptocurrencies, which can be highly volatile, and stocks, which are subject to market fluctuations, gold and silver have maintained a reputation for stability.

2. Tangibility and Security:

One of the key advantages of investing in physical gold and silver is the tangible nature of these assets. Unlike cryptocurrencies, which exist only in the digital realm, and stocks, which represent ownership but lack a physical presence, gold and silver can be held in hand. This tangibility not only provides a sense of security but also ensures that investors have a physical asset they can access irrespective of economic conditions.

3. Diversification:

While stocks and real estate have their merits, they can be vulnerable to economic downturns. Gold and silver, on the other hand, often move inversely to other asset classes, providing an effective means of diversification. A well-diversified portfolio that includes precious metals can potentially mitigate risks and enhance overall stability.

4. Inherent Value:

Gold and silver derive their value from their intrinsic properties rather than relying on the perceived value assigned by market sentiment, as is often the case with stocks and cryptocurrencies. The industrial uses of silver, for example, contribute to its value beyond its role as a precious metal. This intrinsic value can offer a certain level of reassurance to investors, especially during times of economic uncertainty.

5. Inflation Hedge:

Gold and silver have a long-established reputation as effective hedges against inflation. When fiat currencies lose value due to inflationary pressures, the purchasing power of gold and silver tends to rise. This characteristic makes them particularly attractive to investors seeking to protect their wealth from the eroding effects of inflation.

While the investment landscape continues to evolve with the emergence of new opportunities such as cryptocurrencies, the enduring appeal of gold and silver remains undeniable. These precious metals offer stability, tangibility, diversification, inherent value, and a time-tested hedge against inflation. Investors looking for a reliable and proven store of value should consider the enduring allure of gold and silver as foundational elements of a well-rounded investment portfolio.

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

See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty ⁠https://youtu.be/mtGq7WaVxLA ⁠

For a free gold, investment report, and Discovery Call, click here (https://pure-gold.co/charles-kelly)

#interestrates #inflation #gold #silver #property #stockmarket #money #financialfreedom #inflation #section24 #Investing #FinancialDecisions #WealthManagement #assetbackedinvesting

Should you be worried about recent sharp falls in the US stock market?

Watch video - https://youtu.be/Cfpksgfp0r8?si=4SSODNAxpictCwrl

See also:

10,000 Millionaires Leave The UK..

Why are millionaires quitting Britain at the rate of one every 45 minutes?

Watch full video - https://youtu.be/AcI6g-O3yxs?si=qCTDkB3p8MVsTOOU

Is Great Britain Finished?

As the UK faces mounting economic challenges, many are asking, "Is Great Britain finished?" The debt crisis in the bond market, combined with political and economic turmoil, paints a grim picture.

Watch full video - https://youtu.be/smyXgIM0lWg

UK Economy Is Flatlining

Like a patient on the operating table with no pulse, the UK economy is barely growing. Prime Minister, Keir Starmer and Rachel Reeves are desperately banging on the chest of the patient trying to revive it, but they don’t know how to bring it back to life.   

Watch video version - https://youtu.be/FgXuoDMFE3c

3 Steps To Unlocking Financial Freedom!

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

#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

For more insights on navigating financial trends and managing wealth, subscribe to the Charles Kelly Money Tips Podcast on YouTube.

See also:

Is Great Britain Finished?

As the UK faces mounting economic challenges, many are asking, "Is Great Britain finished?" The debt crisis in the bond market, combined with political and economic turmoil, paints a grim picture.

Watch full video - https://youtu.be/smyXgIM0lWg

UK Economy Is Flatlining

Like a patient on the operating table with no pulse, the UK economy is barely growing. Prime Minister, Keir Starmer and Rachel Reeves are desperately banging on the chest of the patient trying to revive it, but they don’t know how to bring it back to life.   

Watch video version - https://youtu.be/FgXuoDMFE3c

3 Steps To Unlocking Financial Freedom!

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

#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

The U.S. economy is being hailed by President Donald Trump as entering a "Golden Age" as it capitalizes on innovations in technology, renewable energy, and manufacturing reshoring. With record-low unemployment and robust GDP growth, the U.S. is setting a strong example for global markets. But what does this mean for the UK economy?

Watch video version - https://youtu.be/ZyAPSXa8Ie8

Implications for the UK

Opportunities for the UK

The U.S. Golden Age could also provide opportunities, such as increasing demand for UK services in finance, education, and tech partnerships. Collaboration, such as a favourable trade deal, between the nations could foster mutual economic benefits.

For more insights on navigating financial trends and managing wealth, subscribe to the Charles Kelly Money Tips Podcast on YouTube.

See also:

Is Great Britain Finished?

As the UK faces mounting economic challenges, many are asking, "Is Great Britain finished?" The debt crisis in the bond market, combined with political and economic turmoil, paints a grim picture.

Watch full video - https://youtu.be/smyXgIM0lWg

UK Economy Is Flatlining

Like a patient on the operating table with no pulse, the UK economy is barely growing. Prime Minister, Keir Starmer and Rachel Reeves are desperately banging on the chest of the patient trying to revive it, but they don’t know how to bring it back to life.   

Watch video version - https://youtu.be/FgXuoDMFE3c

3 Steps To Unlocking Financial Freedom!

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

#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

Like a patient on the operating table with no pulse, the UK economy is barely growing. Prime Minister, Keir Starmer and Rachel Reeves are desperately banging on the chest of the patient trying to revive it, but they don’t know how to bring it back to life.   

December figures show that the economy barely grew by just 0.1%.

They talk of growth, but where is it going to come from? 

10,000 millionaires have quit the UK in the last six months!

China’s economy grew by 5% last year.   

Watch video version - https://youtu.be/FgXuoDMFE3c

Retail sales were down in December! I’ve never heard of retail sales falling over Christmas.  

More inflation is expected as UK borrowing costs and bond yields have risen sharply. 

The country’s additional borrowing costs will run to £12 billion per annum.  Paid by us, taxpayers of course.  Governments screw up, we foot the bill. 

This could mean higher interest rates and higher mortgage costs for all of us at a time, and the Bank of England should be cutting rates.

The market has lost confidence in the UK chancellor Rachel Reeves. She is out of her depth and reminds me the person that talks a good game and job interview but in reality hasn’t got a clue when they’ve got the job. 

Labour have got off to the worst start and any government I’ve never known.

They want to give away the Chagos islands to Mauritius, and then lease it back at a cost of £9 billion!

I’ve heard of sale and leaseback, but not “give” and leaseback.  

This will surely be remembered as the Prime Minister’s “Gordon Brown” moment. Gordon Brown was the Labour chancellor who sold off the U.K.’s gold reserves to China at rock bottom prices. Gold has risen by at least 10 times since the ill-fated sell-off.

They inexplicably cut the small winter fuel allowance for millions of pensioners, taxed private school fees, and raised national insurance costs for employers, taxed our farmers and borrowed an additional £145 billion, all of which have made them hugely unpopular.  

And yet, the FT 100 index, reached a record level today! Apparently they expect interest rates to be cut by 0.25% when the Bank of England meet next month

Will the Bank of England hold or cut rates next month?

The implications are huge for the country and for the 700,000 borrowers who will come off fixed interest rates this year, as well as the first-time buyers who want to go on the property ladder.   

Buy to let property investment has become almost unviable, unless you have a large deposit or buying cheap properties up in the north-east.  

Some good news could be on the horizon for first time buyers as regulators are expected to relax lending rules. However, could this lead to another boom and bust?

The massive building firm Taylor Wimpey has reported good profits of over £400 million last year and they built almost 10,000 new homes. Perhaps labours plan to relax planning rules will bring more homes onto the housing market.  

China 

What is going on between Labour and China?

Why did Rachel Reeves desert her post at the time of the bond crisis last week?   

What are they given away for China to buy UK bonds? The Chinese government does not give anything without expecting something in return, and they normally bargain very hard.  

Foreign Secretary, David Lammy is expected to approve a new super embassy for China on the site of the old Royal Mint.  

Why does any country need a super embassy with hundreds of “diplomats”?

Donald Trump could turn the US economy around, but will we get a decent trade deal after labour have alienating themselves from the new president elect?

David Lammy, with his personal attacks, labour sending 100 people to America to canvas for Joe Biden during the US elections and now rushing to sign a deal with Mauritius before the presidential inauguration on January 20.  

Now it appears Labour are getting closer to China.   

The previous government cooled relations with China over Chinese technology, tensions over Hong Kong and Taiwan, the South China Sea, cyber security and allegations of spying. 

In summary, the lunatics have taken over the asylum!

What does this mean for you?

What can we do to cope on a personal level?

If you believe we are entering choppy waters and stormy weather, now is the time to batten down the hatches and tighten your belts.  

This is not the time to purchase an £80,000 car on a lease or buy a fast-food franchise and open up yet another burger bar on the High Street.  

I’ve seen at least two or three new fast-food outlets or restaurants popping up on the High Street in the last couple of months. They are occupying premises that previous owners of similar businesses who went bust.

I’ve talked to some of the business owners, and they are struggling. I walk past their restaurants and see the empty tables.

I talk to a lady who opened up to bubble tea outlets and lost all her savings within six months.  

Her sign is still above the empty shop, which means the landlord has not been able to let the property again. 

• Manage your money and control your spending.
• Invest wisely. 
• If you’re nearing retirement, I would check with your financial advisor as to where your pension funds are invested. 
• If you are young, I would learn more about AI.  

AI will kill 300 million jobs worldwide according to a recent report. 

People already been laid off in the City of London and Wall Street due to the impact of AI. 

A massive rise in employer national insurance contributions will hardly encourage employers to take on more staff. Worse still, it could lead to redundancies.

Could be an easier time for homebuyers, if interest rates fall and the regulators ease the stringent restrictions on mortgage lending. 

Expect the best but prepare for the worst.  

Join me for my free webinar, Three. Steps to money, management and financial freedom, Wednesday 7 pm.  

Places are limited, so register now below to avoid disappointment.

https://bit.ly/3QPp8IH

See also:

Is Great Britain Finished?

As the UK faces mounting economic challenges, many are asking, "Is Great Britain finished?" The debt crisis in the bond market, combined with political and economic turmoil, paints a grim picture.

Watch full video - https://youtu.be/smyXgIM0lWg

Section 24 Landlord Tax Hike

Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls.

Email [email protected] for a free consultation on how to deal with Section 24.

Watch video now: https://youtu.be/aMuGs_ek17s

Make 2025 the year you take control of your financial future. By setting clear goals, budgeting wisely, paying yourself first, reducing debt, and investing strategically, you’ll be well on your way to building wealth and achieving financial freedom. Remember, every small step you take today can lead to significant financial growth tomorrow.

For more tips and insights, watch the latest episode of the Charles Kelly Money Tips Podcast on YouTube and start your journey to financial success today!

3 Steps To Unlocking Financial Freedom!

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

#FinancialFreedom #WealthBuilding #SaveMoney #InvestWisely #CharlesKellyMoneyTips #PersonalFinance #finance #moneytraining #moneymanagement #wealth #money #debt #financialplanning #moneymanagement #financialfreedom #section24tax  #debtcrisis #rachelreeves #money #businessnews #bondcrisis #china #rachelreeves #kierstarmer