Showing posts with label financial freedom. Show all posts

Sunday, September 10, 2023

5 Steps to Financial Freedom - Day 5 Video Financial Freedom

Day 5: Putting It All Together - Your Path to Financial Freedom

Congratulations! You've embarked on a journey to financial freedom by understanding its meaning, cultivating a healthy money mindset, mastering money management, and embracing saving and investing. Now, it's time to put it all together and create a roadmap to your financial dreams.

Start by setting clear, achievable financial goals. Whether it's retiring early, buying a home, or funding your children's education, having specific targets gives you direction and motivation. Break these goals into smaller, manageable steps and assign deadlines to them.

Next, create a comprehensive financial plan that includes budgeting, debt management, savings, and investment strategies. Your plan should reflect your current financial situation and outline the steps needed to reach your goals. Regularly review and adjust your plan as circumstances change.

It's essential to continue learning about personal finance to stay informed and adapt to changing economic conditions. Consider attending financial workshops, reading books, or seeking advice from financial professionals.

Lastly, stay disciplined and patient on your journey to financial freedom. There will be challenges along the way, but with determination and a clear plan, you can overcome them. Avoid comparing your progress to others and focus on your unique financial goals and timeline.

Remember that financial freedom is not a destination but a lifelong pursuit. As you work towards your goals, don't forget to enjoy the journey and celebrate your achievements along the way. Financial freedom means having the freedom to live life on your terms, and with dedication and the right strategies, you can attain it.

If you're ready to take your financial journey to the next level, consider joining our 1 Day SMART MONEY WORKSHOP. In this workshop, you'll learn the 3 Steps to Financial Freedom and Successful Money Management. Click the link below for further information and take the next step towards securing your financial future.

**Summary of the Series: Your Path to Financial Freedom**

This series of articles has explored the multifaceted concept of financial freedom, from defining what it means to you personally to understanding the importance of a positive money mindset, effective money management, and strategic saving and investing. Each article has provided valuable insights and practical tips to help you on your journey to financial independence.

Financial freedom is about more than just accumulating wealth; it's about taking control of your financial destiny and using money as a tool to create the life you desire. It involves setting clear financial goals, managing your money wisely, and making informed investment decisions.

Putting it all together requires discipline, patience, and a commitment to lifelong learning. It's a journey that may have its challenges, but with the right mindset and strategies, you can achieve your vision of financial freedom.

Finally, the importance of having a mentor or coach cannot be underestimated. All top performers in any field have a coach or mentor. They realise that they need other people to help them get to where they want to be and, more importantly, to stay there and keep improving.

If you're serious and eager to accelerate your progress, consider joining our 1 Day SMART MONEY WORKSHOP, where you'll gain valuable insights into the 3 Steps to Financial Freedom and Successful Money Management. Take the next step towards securing your financial future and living life on your terms. Click the link below for more information.

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#financialfreedom #moneymindset #goalsetting #savingand investing #wealth #saving #investing #money

Monday, April 24, 2023

7 Ways To Retire Financially Free - 90% UK Workers Underfunding Pension,...

7 Ways To Retire Financially Free, As IFS Report Claims 90% UK Workers Are Underfunding Their Retirement Pensions, IFS Reports

The Institute for Fiscal Studies (IFS) is planning a comprehensive pensions review, in partnership with the Abrdn Financial Fairness Trust, following research which highlighted concerns about the "substantial risks" facing future generations of pensioners.

Recent research from the IFS revealed that 60 per cent of middle-earning private sector employees who are contributing to a pension are saving less than 8 per cent of their earnings, and nearly 90 per cent are saving less than the 15 per cent of earnings previously recommended by Lord Turner’s Pensions Commission.

Additionally, the IFS said almost all of this saving is coming in the form of “defined contribution” (DC) pensions, which leave individuals, rather than their employers, exposed to market and other risks that may be difficult to manage.

The IFS warned that those retiring with DC pots face considerable difficulty and risk in managing their finances through retirement, with risks around running out of private resources or savers being so cautious that they have a needlessly austere retirement.

The report also noted that an increasing number of those approaching retirement live in more expensive, insecure, private rented accommodation, warning that this could lead to a combination of a disappointingly low standard of living in retirement and/or greater reliance on housing benefit.

Summary

· The Institute for Fiscal Studies (IFS) has announced plans for a comprehensive pensions review.

· The multi-year review will examine the effects of changing economic conditions and public policies on the future of financial security in retirement, including how these effects differ by gender, ethnicity and across the UK.

· The review will also consider the impact of changing demographics and longevity trends, as well as the impact on self-employed workers.

· Reports will be shared over the next two years, with concrete recommendations and options for reform to be presented in Summer 2025.

· IFS research revealed that 60% of middle-earning private sector employees who are contributing to a pension are saving less than 8% of their earnings. Additionally, nearly 90% are saving less than the 15% of earnings previously recommended by Lord Turner’s Pensions Commission.

· The review will also consider the risk facing future generations of pensioners and the risk that too many are saving too little for retirement.

· The Pensions Regulator welcomed the plans for the review and will support the development of industry-led solutions to help ensure people have financial security in retirement.

Here are seven ways to retire financially free:

1. Start Saving Early: The earlier you start saving for retirement, the more time your money has to grow. You can use tax-advantaged retirement accounts/plans to maximize your savings potential.

2. Live Below Your Means: Live a modest lifestyle and avoid overspending on unnecessary items. Create a budget and stick to it, and consider downsizing or relocating to a lower cost of living area.

3. Invest Wisely: Invest your money wisely in a diversified portfolio of stocks, bonds, and other assets. Consider consulting with a financial advisor to help you create an investment strategy that aligns with your risk tolerance and goals.

4. Maximize Your Income: Consider ways to increase your income, such as taking on a side job or starting a small business. Maximize your earning potential by developing new skills, pursuing advanced education, or seeking a higher-paying job.

5. Pay Off Debt: Avoid carrying high-interest debt, such as credit card debt, into retirement. Pay off your debts as soon as possible to reduce your financial obligations and free up money for savings.

6. Plan for Healthcare Costs: Healthcare costs can be a significant expense in retirement. Consider purchasing long-term care insurance or a supplemental health insurance policy to help cover these costs.

7. Have a Retirement Plan: Develop a retirement plan that takes into account your goals, income, and savings. Monitor your plan regularly and make adjustments as needed to ensure that you stay on track to meet your retirement goals.

Millions of people have lost faith in the complex and muddled pensions system, preferring to do their own thing by investing in things like buy-to-let property, business or trading directly on the stock market.

Whilst this can work for some, ignoring the many benefits of pension investing, such as tax relief, carries risk.

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Thursday, May 19, 2022

Global stock markets falling as UK inflation hits 40-year high

Global stock markets falling as UK inflation hits 9% a 40-year high

Global share prices experienced sharp falls in UK, US and Asia as rising prices and slowing economies spook investors.

On Wednesday, US shares recorded the biggest one-day drop in two years since the start of the pandemic.

The NASDAQ plummeted 4.7% and has opened down again continuing a longer-term decline – down 18% YTD and the DOW JONES declined 14% since the start of 2022.

It’s not only tec stocks being sold off. Blue chips, like Unilever and Tesco’s, have also dropped by 4.4% and 5% respectively. The biggest Faller on the UK market was Royal mail plummeted 12%. The UK FTSE 100 index fell 150 points today.

Inflation

Inflation is eating away at your savings as well as costing you more to live. The buying power of your money in the bank is falling by around 10% every year, which means that £1000 will be worth just £900 next year.

In other words, in 12 months’ time your £1000 will buy you the equivalent of £900 of the same goods. In the meantime, the price of those goods are going up by 10%.

If inflation figures were calculated in the same way as they were previously headline rate would be double today’s official rate.

Main points:

· Retail prices index rising by 13% pa and includes the price of all goods excluding property costs – which have gone up massively.

· Manufacturers price rises rising by over 15% pa.

· Commodities, such as oil, wheat, fertiliser and animal feed have gone up by 50% to 100% in some cases.

· The war is not causing inflation, sanctions are.

· UK economy fell in April by 0.1%.

· US economy declines for first time since 2020.

What can you do to protect yourself and your family?

UK Property Talk Show 10AM Saturday.

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How can you not only protect your savings against inflation but also increase the value of your money!

Invest in real assets which appreciate in value over time, such as property and shares in profitable businesses.

Join me on UK Property Talk to discuss this and other property matters this Saturday at 10 am.

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Thursday, April 21, 2022

Food Shortages on the way – time to act!

Food Shortages on the way – time to act!

Food shortages and even rationing could be on the way as the Russia Ukraine war continues.

Sanctions against Russia are forcing up the price of everything from oil and gas to wheat and Fertiliser chemicals. This is adding to existing problems of inflation caused by ‘government money creation’, soaring shipping costs and supply chain issues in China.

Farmers are warning of coming food shortages, as items like cooking oil disappear from supermarket shelves.

“Over 36 countries depend on Russia or Ukraine for half their wheat imports”

Antonio Guterres, UN Secretary General

The UN Secretary General warned of rising poverty and added:

· Wheat up 30%

· Oil up 60%

· Natural Gas up 50%

· Fertiliser up 100%

The National Farmers Union (NFU) reports:

“Ukraine is a major supplier of wheat, barley, maize and oilseeds (particularly sunflower oil and meal) to the global market meeting the needs of an estimated 400 million people worldwide. The interruption of that supply with the closure of the Black Sea ports is being hardest felt in North African and the Middle East countries most reliant on Ukrainian wheat.

“The World Food Programme estimates that its operational costs of feeding food insecure people will increase by €26 million per month compared to current levels, €64 million per month compared to pre-pandemic levels.”

The NFU warns of “an acceleration in the rise of commodity prices”.

“Global commodity prices were already rising steeply as the world economy emerged from the pandemic – over the last 18 months wheat prices have risen nearly 110%, maize and vegetable oil prices are up 140%, and soybean prices are up 90%. The conflict in Ukraine has accelerated the rise in commodity prices, with wheat prices increasing 70% since the invasion.” Source: NFU

Signs of poverty are already being seen in the UK, a wealthy country.

$50 billion was wiped off the value of Netflix as its share price dropped 35% following reports that the company lost 200,000 subscribers in the first quarter of 2022.

Economy is in winter season right now but…winters don’t last forever!

· Bulk buy non-perishable consumer goods and food as a hedge against inflation

· Buckle down, tighten your belts and get through this, you will survive!

· Consider spreading the cost on direct debit to cushion the blow.

· Build your credit lines and watch your credit rating like a hawk.

· Earn more cash by doing part-time jobs or a side-line business.

Watch my ‘5 Inflation-Busting Tips’ for money saving ideas to help you through this. -https://youtu.be/2jZCO4V7uX0

Make the most of your money and resources and learn how to get control and manage your finances.

Consider investing in real assets which tend to hold their value and act as a hedge during times of high inflation.

Assets like property, stock and shares and gold have long been held as a long-term inflation hedge.

Remember, you are not alone. Get help, take advice, and use debt counselling services like Citizens Advice if you are having trouble.

Can you take proactive steps to increase your wealth?

Do people get rich during recessions and depressions?

The answer is yes!

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Thursday, February 10, 2022

Time to get fixed up? This has nothing to do with Valentine’s day!

Time to get fixed up? This has nothing to do with Valentine’s day!

With central bank rates rising around the world to control inflation, mortgage rates will be going up for millions of borrowers.

If you have a long-term fixed rate mortgage you have nothing to worry about at the moment. However, roughly one quarter of borrowers in the UK are on variable or tracker rates, which means they could be facing substantial payment increases as base rates look set to continue upwards.

The UK has just increased rates again - by .25% to .5%, and the US Federal reserve in look set to raise interest rates earlier than expected to combat a 7.5% inflation rate not seen since the 1980’s.

The boss of Tesco, Britain’s biggest supermarket, John Allan, said “worse is yet to come” as warned this week of further food price increases. If you’re a Marmite lover you’d better stock up as the maker is about to charge more for the popular spread due to rising costs.

Unlike the US, most UK borrowers are on relatively short-term fixed rate mortgage deals, which means they could be in for a nasty shock when their rate expires.

Now could be the time to talk to your financial adviser or mortgage broker about switching before rates go up again? Check the lender penalties to calculate the benefits of switching now.

Mortgage lenders also whack on hefty fees for giving you a mortgage rate, plus early redemption and final redemption fees, which they used to call a ‘deed handing fee’!

City property rental increases as workers return to office

Zoopla reports that the cost of renting a property in a city centre is going up as office workers, students and international residents come back. The UK is effectively dropping Covid restrictions this month and cities appear to be getting back to some form of normality.

Renters are paying an average of £62 more a month than pre-pandemic rents Zoopla found.

End of tax year tax saving hints.

With the end of the fiscal year looming on 5 April, now is the time to start tax planning your ISA and pension contributions.

You can put up to £20,000 into a tax-free ISA each fiscal year, as well as maximising your pension contributions.

If you are in the UK and earn less than £18,570 a year from income and savings interest, your savings interest is tax-free due to tax-free savings and the starting savings rate.

There are other more specialist tax saving investment schemes, such as Enterprise Investment Scheme (EIS) and Venture Capital Trusts (VCTs). Talk to an independent final adviser.

Get control of your finances in 2022.

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Friday, December 3, 2021

Is Retail On The High Street Dead? NO! Here’s Why

Is Retail On The High Street Dead? NO! Here’s Why I Think It’s Very Much Alive

High street retail has going through a tough time in recent years with hundreds of stores closing, but here’s why I think there is still a place for physical shops for many years to come.

Even with the rise of Amazon and other online retailers 85% of retail sales are still made offline. Over 20% of stores are not even fully engaged online.

In a strange twist, Amazon and other online retailer are opening offline stores in the high street and malls!

Apple has huge flagship stores in London and other major cities.

Online retailers Gymshark and The Fashion Bible are also set to open large flagship ‘bricks and mortar’ stores in prime retail space next year. Gymshark, which only started online ten years ago, is opening an 18,000 square foot store in London’s Regent Street, one of the most expensive and sought after retails real estate areas in the world.

Just down the road, London’s luxury department store group Selfridges is being sold to a Thai conglomerate for up to £4bn.

The famous UK retailer owns 25 outlets, including the enormous flagship store covering a whole block in prime position on London's Oxford Street, and branches in Dublin, the Netherlands and Canada. The iconic store was founded in 1908 by US retail magnate Harry Gordon Selfridge and featured in an ITV television drama.

Current owner, the billionaire Weston family, agreed sale terms with Central Group in the last few days, according to the Times and BBC.

Central Group was started in Bangkok in 1956 and is still a family-owned group. The business has been taken global by the founder's son, Samrit Chirathivat, and now boasts 3,700 shops around the world, from supermarkets to electronics outlets, and department stores in Europe.

How will Amazon, Gymshark and The Fashion Bible prosper where the likes of Debenhams died after over 100 years of successful trading?

The answer is twofold.

Firstly, Debenhams, and other stores like Gap and House of Fraser, had lost their way and failed to stay current. This can happen in mature businesses which lack innovation and do not change with the times.

Secondly, and more importantly, online retailers have a massive advantage over traditional bricks and mortar shops. They know their customers!

Amazon knows everything about its customers like me, whereas most shops I walk in and out of know absolutely nothing. Even when I buy something they have no record of me other than a card transaction.

Unless stores change their ways and start engaging with their customers and potential customers they will face a tough time ahead. But those who adapt, like Argos and Next who combine online with offline sales, will survive in the business war for our money.

If you are a retail business owner and need help getting online, contact me – charles@charleskelly.net

Average House Prices Continue To Rise

The annual growth of an average home in the UK rose slightly to 10% in November, up form 9.9% on the previous month, according to the Nationwide Building Society’s data.

FREE PROPERTY WEBCLASS - https://bit.ly/3DlSlCL

Stock Markets Volatile As New Covid Restrictions Introduced

Markets were down again today after rallying from earlier losses, as uncertainty fears could stall economic recovery.

RPI UK Inflation Rate Hits 6%

The inflation rate as measured by the Retail Prices Index (RPI) is 6%, but the new measure of inflation, the Consumer Prices Index (CPI), stands at 4.2%. Most of us know that real prices are rising much faster than the official rate. Fuel and gas prices have doubled for some and many will face a hard winter.

Could UK Interest Rates Rise?

The Bank of England’s Monetary Policy Committee (MPC) meets on 16 December amid rumours that base rates could rise to curb rising prices.

Financial education in investing is the key to building and keeping wealth. Never stop learning!

Keep watching or listening to my free podcasts on iTunes and subscribe to my YouTube channel for regular financial news and updates.

I cover financial education and money mindset in my book, 'Yes, Money Can Buy You Happiness", which you can order on Amazon: https://www.amazon.co.uk/Yes-Money-Can-Buy-Happiness/dp/1095175858

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Learn how to get UNLIMITED finance to build your portfolio (hint: you can do this WITHOUT using either a mortgage company OR a bank).
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Thursday, October 28, 2021

The Recurring Income Summit 2-Day Online Session, 29th - 30th October

The Recurring Income Summit | 2-Day Online Session, 29th - 30th October

Bringing together a collection of wildly successful entrepreneurs and industry elites, the Recurring Income Summit will bring together and inspire the entrepreneurs of today and the future.

Cashflow is KING. To create a passive and recurring income, you need to creare multiple streams of income.

On the 29th - 30th October, you will learn the tools and techniques being used right now by creators, influencers and entrepreneurs to give them stable, continuous cashflows.

From real people getting real results now...

Cash can be spent and burnt. Once it’s gone it’s gone. But recurring income is different - you can rely on it to be there. True freedom is building assets that create recurring income that only you can control.

This is not your standard event - you will be walking away with the knowledge you need to seize the BIGGEST recurring income opportunities of 2021 and unlock the secrets you will need to thrive in the post lockdown environment.

Walk away with the knowledge you need to seize the biggest recurring income opportunities of 2021 and unlock the secrets you need to thrive in the post lockdown market.

At the Recurring Income Summit, you'll be joining Rob Moore and a host of internationally renowned speakers, including...

· Rob Moore Entrepreneur, Serial podcaster & International speaker

· Rafe Offer Former Global Marketing Director For Coca-Cola

· John Lee Social Media Guru & founder of Wealth Dragons Online

· Kevin Gaskell Former CEO of Porsche, BMW and Lamborghini

· Candice Mama one of Vogue Magazine’s top 33 most inspiring women in the world

· Kevin McDonnell No Money Down Property Expert & Multi-Millionaire Business Owner

· Paul O'Mahony Entrepreneur, Author, Product Creator and Public Speaker

· Alfie Best Old-school, blood and blisters, self-made multimillionaire worth £560M+

· Simon Coulson Internet Entrepreneur

Exclusive Bonus!

Everyone attending the Recurring Income Summit will receive a copy of "How To Work Once And Earn Forever" downloadable report!

The key to passive income is reinvesting some profits from your recurring revenue back into creating more assets so you develop a mass compounding effect of multiple assets creating multiple passive income streams.

This is a FREE gift to you to help you learn the 14 ways to create passive, recurring income.

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Tuesday, October 26, 2021

Another Chinese Property Developer Misses Interest Payment As Debt Crisi...

Another Chinese Property Developer Misses Interest Payment As Debt Crisis Deepens

The property market crisis in China is growing, as another property developer failed to make a payment on a bond. Modern Land followed Evergrande and Fantasia by missing a bond payment indicating that China’s property crisis is deepening.

On Tuesday, China's National Development and Reform Commission and the State Administration for Foreign Exchange met with foreign debt issuers, telling them to use funds for approved purposes and "jointly maintain their own reputations and the overall order of the market."

Earlier this month, Fantasia Holdings Group defaulted on a maturing dollar bond that heightened concerns in international debt markets,

Evergrande averted a costly default last week but is under more than $300 million in liabilities and has a major payment deadline on Friday.

Shares of property developers extended losses, also hit by concern over China's plans to introduce a real estate tax.

There are reports coming out of China that its property market is in a steep decline as buyers are reluctant to put money down on off-plan new build projects due for completion in 5 years - and who can blame them?

Many of the high rise blocks are shabbily built buildings thrown up quickly and the cracks are beginning to show.

Property is effectively leased from the government and high-rise apartment blocks will most likely be demolished and rebuilt in 30-50 years.

Property makes up 25% of China’s GDP, so a market collapse will have a serious effect on the overall economy.

You might be wondering “what all this has to do with me” in the UK, US or Australia.

China’s economy matters to the rest of the world. We are already seeing a supply shortage of goods, which will not be helped by China’s own energy issues. A property crash in China will mean less demand for commodities and building materials and ultimately reduce spending on the luxury goods market.

Chinese developers also have hundreds overseas projects in other Asian countries, Australia, America and the UK. Liquidly problems back in China could affect some already overblown international markets.

Property buyers from China invest billions in London, Sydney, New York, Toronto and Manila where prices have reach record levels.

With inflation rising and interest rate due to be increased, there has never been a more important time to stay informed and never stop learning, especially if you want to invest in property.

Can you make money from property with no money down? Yes!