Money Tips Daily By Charles Kelly, Former Ifa And Author Of Yes, Money Can Buy You Happiness.

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://y

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 prope

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 con

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 num

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: info@hawthorneconsultancy.com Phone: 01442 97 44 99 LinkedIn: https://uk.linkedin.com/in/j

10 Tips To Avoid Christmas Debt And January Blues The silly season is upon us…rushing around spending money we don’t have buying things people don’t want and listening to the same old Christmas songs! Check out my new training to help you get control of your finances in 28 days! Click to join: https://bit.ly/3isugCr Christmas might be a time for giving, but that doesn’t mean you have to give yourself a headache in the New Year with bills and debts you can’t afford. Millions of people max out their credit cards in December only to wake up with a financial hangover in January. It’s so easy to overspend and fall for those tempting offers and feel pressured to buy, but youmust decide how much you can afford before you start shopping. Watch video version on YouTube - https://youtu.be/n7vSK5LlONU 10 tips to avoid Christmas Debt And January Blues. 1. Set a budget and stick to it! Don’t overspend. 2. Plan your purchases early to avoid panic buying. 3. Shop around for deals, especially for food and drinks. 4. Look for

A third of countries in recession next year, so there has never been a more important time to get your financial house in order – see my free training https://bit.ly/3isugCr to help you manage your money. Chancellor, Jeremy Hunt announced £55 billion ‘fiscal squeeze’ tax changes and measures to cut the national debt whilst stimulating growth including the “biggest programme of public works for 40 years” and a plan to make the UK the world’s next Silicon Valley. Watch video version - https://youtu.be/9Y6FcXo22jQ Markets were reassured by a steady and responsible budget.  · Social rents capped at 7% next year. · Rents to increase for private landlords housing social rent tenants by 5%. · National Living Wage increased and more help poorer pensions and families on Universal Credit. · Pensions ‘Triple Lock’ retained - largest ‘inflation-linked’ increase to state pensions. · Corporation tax and stamp duty changes to be implemented. · Capital Gains Tax (CGT) thresholds halved – another tax rise. · Inflation is

Don’t Join The Recession – 7 Tips To Help You To Thrive In ANY Economy! If you would like to work with me to help you thrive in any economy, click on the link below to book a free Wealth Accelerator Discovery Call - https://calendly.com/charleskelly/wealth-accelerator-discovery-call The world’s economies are in turmoil. Even the mighty German economy drag the EU into a long recession according to the EC. But what about YOUR economy? What are you doing right now in your ‘U’conomy’? Migrants do very well in a recession. Why? Because they don’t watch the news! Brian Tracy. Watch video on YouTube - https://youtu.be/USSP2m6xYmw I want to work with a small group of people to help you not only survive but THRIVE in the recession. In the meantime, here are 7 quick money tips: 1. Cash flow – do whatever it takes (legally) to keep cash coming in. 2. Keep working - As the late Zig Ziglar said, you don’t have to “join the recession”. He was selling pots and pans in a recession, but doubled his sales because he worked whi

UK house prices will crash 8% next year Mortgage lender predicts For more 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. Watch video version on YouTube - https://youtu.be/-jQZmzSAMjg · House prices will plummet by 8% in 2023 · Stay flat for the following four years, Lloyds Banking Group has predicted. · Britain’s biggest mortgage lender issued a pessimistic outlook for the UK economy · Setting aside £668m to cover bad debts. · The bank fear that rising interest rates – which they predict could reach 4% by 2024 - will make mortgages less affordable. · ONS data says price of the average home up by 13.6% in the year to August to £296,000. · An 8% fall will not put values below the rapid rises over the last two years. · The Bank of England hints base rates could rise by 0.75-1% when it meets in November as it fights to tackle 10% inflation. · Wholesale lending rates have eased after fixed rate mortgages topped 6% fol

21 SMART Money And Energy Saving Tips With energy bills, fuel and interest rates soaring, there’s never been a more critical time to make savings and learn how to manage our money to the best of our ability. I cover many more tips and money-making ideas in my programme, Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr. Please LIKE and SHARE – WATCH YOUTUBE VIDEO - https://youtu.be/taJgXOqp9O0 Here are some tips to help you save and accumulate more money...

Truss DOWN but Mortgage Rates UP to 14-Year High as 100,000 borrowers reach end of fixed rate deal every month · Prime Minister Liz Truss resigns after 38 days in office following a tumultuous few weeks · A new party leader and Prime Minister will be voted in by members by 28 October · Will ‘the markets’ get the leader they want with higher taxes, pain and austerity? · As mortgage rates hit new high, 100,000 reach end of fixed rate deal every month · Average two and fiver-year fixed rate deals reach 6.65% and 6.51% · Bank of England will raise rates again next month to fight inflation · Food prices rise at fastest rate for 42 years · Tax plans and Hunt budget in doubt · Markets and Pound rise on news Watch video version - https://youtu.be/bYVdg1ySjuM What does this mean for you? FINANCIAL EDUCATION FOR FINANCIAL FREEDOM Whatever you do, don’t do ANYTHING unless you are financially educated. Can you change the economy, market or government policy? No! Can change YOUR economy (Uconomy), your policy, your financ

New Chancellor Hunt Reverses Tax Cuts and Long-Term Support For Energy Bills Check out my new training to help you get control of your financesand learn how to build real wealth in 28 days! Click to join: https://bit.ly/3isugCr Newly appointed Chancellor, Jeremy Hunt MP, has ripped up his predecessor’s doomed mini budget after replacing Kwasi Kwarteng MP on Friday. Wholesale government borrowing interest rates have stabilised after Mr Hunt steadied the ship and restored confidence in the ‘markets’, which have now factored in an interest rate peak next May of just over 5%. Watch video on my YouTube channel Charles Kelly Money Tips Podcast - https://youtu.be/JMbSw-H221g SCRAPPED INCOME TAX Jeremy Hunt ditched the plan to cut the basic rate by 1p from April. Planned cut to corporation tax. ENERGY BILLS The typical household energy bill has been capped at £2,500 for the next two years. The 'guarantee' policy was estimated to cost the government over £100billion. Now expected to be overhauled, with help targeted o

Check out my new training to help you get control of your financesand learn how to become financially free in 28 days! Click to join: https://bit.ly/3isugCr Example of buying a £500,000 property with a £20,000 a year rent or 4% yield. That’s all very well but if you are then borrowing money on say an 80% mortgage, in the past your mortgage payments based on a 2% interest rate would be £8000 a year leaving you a gross profit before cost of £12,000 per annum. Then interest rates went up to 4% meaning that your mortgage payments rose to £16,000 per annum. Watch video versionon my YouTube channel, Charles Kelly Money Tips Podcast https://youtu.be/JarTWcAvAoc At 5% your mortgage payments will be £20,000, in which case you would not even break even after paying costs such as insurance and letting agency fees. At 6% per annum your mortgage payments would be £24,000 a year leaving you with a loss of £4000 per annum before costs. However, that’s not the whole story. Rates are expected to go higher and have already bre

Subscribe to FINANCIAL EDUCATION FOR FINANCIAL FREEDOM for exclusive training and special offers to help you manage and increase your wealth! https://bit.ly/financialeducationforfreedom New warnings of a housing slowdown were issued this week as the number of people struggling with mortgages are forecast to reach a 15-year high, the Royal Institute of Chartered Surveyors (RICS) said. The RICS is the body which regulates and controls the surveyor who carry out surveys and valuations for all the major lenders in the UK. Watch YouTube videoat Charles Kelly Money Tips Podcast - https://youtu.be/CEnXNHB6LOI Subscribe to FINANCIAL EDUCATION FOR FINANCIAL FREEDOM for exclusive training and special offers to help you manage and increase your wealth! Details: · House sales in September hit their lowest levels since 2020/21 · Rising mortgage rates will drive house prices down this year, say RICS · Bank of England said this week the number struggling to pay mortgages will rise next year · New house buyer inquiries fell

Cost of 5 year fixed rate mortgages soar to 12-year high Typical 5-year fixed rate mortgage now 6.02%, the highest since 2010, say Moneyfacts. Some 2-year fixed rates have topped 6% this week, up from just over 2% in 2021. Borrowers will be hit with massive payment rises when fixed deals expire. Watch video version - https://youtu.be/jMo0m_PYgaU Get control of your finances and learn investment for beginners In this video, I take you through the basics of getting control of your finances and learning how to become financially free. Watch videoversion - https://youtu.be/J8xSMrLDsNw With the cost-of-living crisis getting worse, there’s never been a better time to learn how to manage your money and change your financial blueprint. Check out my new training to help you get control of your financesand learn how to become financially free in 28 days! Click to join: https://bit.ly/3isugCr If you’re REALLY serious and want to get started right away…Claim your free Wealth Accelerator Discovery Call with me now: https:

Get control of your finances and learn investment for beginners In this video, I take you through the basics of getting control of your finances and learning how to become financially free. Watch videoversion - https://youtu.be/J8xSMrLDsNw With the cost-of-living crisis getting worse, there’s never been a better time to learn how to manage your money and change your financial blueprint. Check out my new training to help you get control of your financesand learn how to become financially free in 28 days! Click to join: https://bit.ly/3isugCr If you’re REALLY serious and want to get started right away…Claim your free Wealth Accelerator Discovery Call with me now: https://calendly.com/charleskelly/wealth-accelerator-discovery-call #money #business #stockmarket #property #foodprices #freetraining #financialfreedom #inflation #costoflivingcrisis #moneytips #getcontroloffinances #freetraining

Labour's attack on buy-to-let property landlords will wreck the UK private rented sector The Labour part – 33 points ahead of the ruling Conservatives in a recent poll - plans sweeping private rental reforms in the buy-to-let property market Labour's Shadow Levelling Up, Housing & Communities Secretary, Lisa Nandy, laid out the party's plans to reform the private rented sector on Monday. In her speech she essentially promised that, should Labour come to power, rent payments will be considered an ‘optional extra’ for tenants, with the party planning to end automatic repossessions for rent arrears. Source NRLA. In short, if Labour win the next election in two years time, which looks likely, they will introduce reforms to the private rented sector including making it more difficult and longer to evict tenants who are not paying their agreed rent. Watch videoversion - https://youtu.be/oRXiwu_ekBQ In this video episode we also talk about: 1 Pound crisis – Pound, Dollar and Euro all at same rate! 2 Pension fund

Interest rates to rise AGAIN after pound £££ fell to AL TIME LOW against US dollar $$$ The Bank of England may have to raise base interest rates again to prevent pound sterling from collapsing against the US dollar after it fell to an all-time low of just over parity 1.03 this week following the Friday’s mini-budget. Please LIKE and SHARE this free content and watch until the end for a special offer. Last week, the Chancellor Kwasi Kwarteng cut taxes, as well as Stamp Duty for 200,000 homebuyers to stimulate the property market a day after the Bank of England (BoE) raised the UK base interest rate from 1.75% to 2.25% to combat inflation warning that the country “may” already be in recession. The independent BoE move followed the Federal Reserve’s 0.75% hike last week putting further pressure on UK bonds and sterling. Mortgage lenders have pulled fixed rate deals in anticipation of an early rate rise. How high will interest rates go? The Bank of England’s Monetary Policy Committee (MPC) meets in less than two

The Chancellor Kwasi Kwarteng has cut Stamp Duty for 200,000 homebuyers to stimulate the property market a day after the Bank of England (BoE) has raised the UK base interest rate from 1.75% to 2.25% to combat inflation and warning that the country “may” already be in recession. A recession is officially measured by two negative growth quarters, which has not yet been recorded. The independent BoE move follows the Federal Reserve’s 0.75% hike this week. UK borrowing costs are now at their highest levels since 2008 putting pressure on mortgage holders and the housing market. The new rate rise alone could add up to £690 per annum or £57 per month to an average variable rate mortgage (on top of previous rate rises), although not all lenders follow the BoE base rates. Watch video on YouTube - https://youtu.be/8d2RYNaV5jM How high will interest rates go? The Bank of England’s Monetary Policy Committee (MPC) meets in less than two week on 3 November and could be forced to raise rates again. The markets expects rate

Following the Queen’s funeral, it is time to get back to the reality of the crisis we are facing in the UK. UK interest rates set to rise again this week by the biggest margin in 33 years, as pound slides against the US dollar. Sterling has fallen to a 37 year low against the US dollar, the reserve currency of the world. This means that the UK is paying 15-20% more for imports, such as oil, on top of all the other factors causing prices to rise at the fastest rate since the early 80s. Watch VIDEO on my YouTube Channel – Charles Kelly Money Tips Podcast – https://youtu.be/gisQN7FczPE Expect to see more repossessions of homes and cars next year. In my S.M.A.R.T money course, I always stress that borrowing to buy consumer goods - which go down in value - is a bad idea. Now is the time to prepare for the economic winter ahead. Get your house in order and fasten your seatbelts for a rough ride ahead. When times are good, and borrowing is cheap everyone buys more on credit and the economy expends. But the cycle nev