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

Whilst many people are fearful of their jobs in the technological age, others are making a living in ways that didn’t exist a few years ago. Find out more in my money tips day podcast.

Crowdfunding is an innovative method of raising funds for all sorts of projects from property and business to social projects. It was even used recently by a group of gutsy women to overturn the decision to release a convicted rapist and keep him in jail!

New data protection regulations (GDPR) come into force on 25 May 2018. Make sure you’re compliant or face a heavy penalty.

The price of an average home in the UK rose by 5.2% from December 2016 to December 2017. However, prices also dipped in January 2018. The figures vary according to where you live and the type of property. For full details listen to this Money Tips Daily podcast from.

Both blue and white, jobs are under threat from computers and robotic technology. There are three strategies to help protect yourself from the rise of technology!

Check out my podcast where I will review the best times of day to shop at UK supermarkets in order to find those yellow sticker bargains

Despite the negative press, Facebook is still an excellent platform for advertising , especially if you are small business.

Millions of savers are susceptible to the ups and downs and volatility of their pension plans. In this episode I look at the differences between saving in the pension policy or investing directly into property. You should always seek financial advice before making any investment choices.

Millions of pension savers are susceptible to the ups and downs of the stock market. In this episode I compare the differences between pension policies and direct investment into property. As always, take advice from an independent financial advisor before making any investments.

Many people say to me that they cannot afford to save as they are struggling with the bills, student loans or credit card debts. But if you continue like this for the rest of your working life you will obviously end up with nothing. You will have paid everybody else, banks, mortgage companies, landlords, credit cards and all the other suppliers that make up your life, except yourself! Pay yourself first and have peace if mind and security.

Paying yourself first means putting money aside before you spend it and pay everybody else.

I firmly believe that education should not stop after school or university. Around 90% of people never attend a course after they finished their formal education, which is unbelievable in this changing world. Whatever industry you are in, you should make it your business to learn everything you can about that industry and keep yourself a up-to-date with the latest trends and developments. If you want to jump start your learning in digital marketing, good friend of mine is running a Facebook advertising course which you can do from the comfort of your own home. If you’re interested in learning more, email me on Charles@charleskelly.net

Work on yourself. Working in a job will make you a living, working on yourself will make your fortune. Jim Rohn’s mentor told him that his financial situation was not the fault of the economy, the government or taxes, it was down to his own actions. We can’t do much about the wider, world economy, but we can control our own economy. Jim said, if you would change everything will change for you.

Try these tips to save money on energy bills and keep warm. Top 10 Tips To Save Money On Your Heating Bill And Surviving The Cold Although it’s March we are going through another cold snap with snow – and it’s freezing in the UK and northern Europe! Household energy prices continue to climb higher and higher each year, so we've pulled together some easy top tips on saving money on your energy bills and keep your home warm and cozy.

Last September, new regulations were introduced to make it harder for landlords with four or more mortgaged properties to borrow money. The new regulations are designed to prevent irresponsible lending and introduce interest rate stress testing on buy-to-let mortgages for the first time. Mortgage lenders will now review the entire existing portfolio before deciding to lend on a new application. This could have a massive impact on any landlords with more than four properties, now deemed as a portfolio investor, especially if they are running the business on narrow margins.

Follow the simple tip and save hundreds on your shopping bill.

A few days ago I said that becoming financially aware and astute is not just about making money, it is also watching your back for potential threats to your bank balance and financial wellbeing. Tony Robbins used to run a ‘wealth protection’ service for people with large sums of money, and Jim Rohn advised us to build a financial wall around our family so strong that nobody could knock it down. The wealthy don’t only concentrate on making money, they also focus on keeping it (probably the two most important basic components of being wealthy) and protecting themselves against liabilities and threats, but you don’t have to be rich to protect yourself too. After all, the less money you have, the more a loss will hurt you. Businesses do regular S.W. O.T. (Strengths, Weaknesses, Opportunities and Threats) analysis exercises and risk assessments as a matter of policy, and so should you. You are your greatest, so look after you! Act as if you are the CEO of your own corporation. More than at

Have you read your lease? Leaseholds properties are a legal landmine for the hundreds of thousands of uninitiated buyers purchasing leasehold flats every year. Like me, the majority of first time buyers, as well as buy-to-let landlords, will buy a leasehold flat under rules which exist in very few countries outside the UK. When you buy most flats in the UK, you are a tenant under a long lease which usually runs for more than 99 years, but diminishes in value as the lease gets shorter. You pay ‘rent’, known as ground rent, to the ‘landlord’ or freeholder, which used to be a peppercorn rent but on new developments is increasingly running into several hundred pounds with sharp increases in the future. You will also pay a service charge for insurance and upkeep of common areas. In blocks which have lifts, pools and concierge desks, expect to pay from £2,000 pa upwards.

We know that we need good health to enjoy happy and fulfilled life, but do we need to be fit and healthy in order to become successful or wealthy? Whilst there are always exceptions to the rule, 95% of successful people I have met and observed over the last 30 years in business have all kept fit and looked after their health. The 5% invariably either burned-out, had a heart attack or are no longer with us. If you think of the wealthy and successful people you know, you generally find that they do something to keep themselves fit. It could be golf, going to the gym, swimming, hiking or playing a sport. They are active physically and mentally, and often do something for their community. I personally know several multi-millionaires who volunteer, give their time and donate their money to charitable causes and service clubs like Rotary.

Get A Cashback When You Switch Bank Accounts. Better interest rates on your savings and a cashback are not the only the reasons to switch your bank account. Thanks to competition regulations, switching a current account isn't as difficult as it used to be. Your new bank will take care of transferring Direct Debits and regular payments for you, usually within seven working days. However, if anything go wrong, your new bank will take care of any costs or penalty charges. Here are just some of the offers available right now: