Smoking a pack of 20 cigarettes a day costs over£5,300 annually according to stop smoking charities. The average price of astandard 20-pack is around £16.45, while 30g of rolling tobacco averages£25.25. Nationally, smoking costs society in England £44.8 billion annuallythrough healthcare, lost productivity, and social care.

See video: https://youtu.be/fY9G_jL84r0

Personal Cost Breakdown

On an individual level, the amount you spend addsup 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 therevenue 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, £1.8billion 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 societyin England £44.8 billion annually through healthcare, lost productivity, andsocial care.

Personal Cost Breakdown

On an individual level, the amount you spend addsup 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 therevenue 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, £1.8billion in NHS healthcare costs, and £383 million in fire damages.

See also:

What Landlords MUSTDo THIS MONTH To Avoid A £7000 Fine

Landlords must give the government RentersRights Information Sheet 2026

 to all tenants beforethe end of May or risk a fine of up to £7000.

You can download the official PDF document on the governmentwebsite at:

https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026

You must serve the actual document to your tenants, inperson, by post or email, and not just send them the link.

Landlords should keep a record and obtain a receipt oracknowledgement or proof of service.

Solicitors have reported a wave of Section 21 notices beingserved on tenants prior to the deadline when ‘no fault evictions’ will nolonger apply, according to the Guardian.

Although successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they stillneed 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

Smoking a pack of 20 cigarettes a day costs over£5,300 annually according to stop smoking charities. The average price of astandard 20-pack is around £16.45, while 30g of rolling tobacco averages£25.25. Nationally, smoking costs society in England £44.8 billion annuallythrough healthcare, lost productivity, and social care.

See video: https://youtu.be/fY9G_jL84r0

Personal Cost Breakdown

On an individual level, the amount you spend addsup 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 therevenue 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, £1.8billion 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 societyin England £44.8 billion annually through healthcare, lost productivity, andsocial care.

Personal Cost Breakdown

On an individual level, the amount you spend addsup 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 therevenue 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, £1.8billion in NHS healthcare costs, and £383 million in fire damages.

See also:

What Landlords MUSTDo THIS MONTH To Avoid A £7000 Fine

Landlords must give the government RentersRights Information Sheet 2026

 to all tenants beforethe end of May or risk a fine of up to £7000.

You can download the official PDF document on the governmentwebsite at:

https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026

You must serve the actual document to your tenants, inperson, by post or email, and not just send them the link.

Landlords should keep a record and obtain a receipt oracknowledgement or proof of service.

Solicitors have reported a wave of Section 21 notices beingserved on tenants prior to the deadline when ‘no fault evictions’ will nolonger apply, according to the Guardian.

Although successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they stillneed 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

Gold, Silver and UK Residential Property Price Drop  

Assets like Gold and Silver and UK residential property haveall suffered sharp price drops this year.

Watch video: https://youtu.be/Zupx5H-8xfk

See also:

Renters Rights Act InForce  – What Landlords MUST Do To Avoid A£7000 Fine

The Renters Rights Act comes into force on 1 May 2026 givingmore rights to millions of residential tenants, and imposing more legislationon landlords.

Watch video - https://youtu.be/EDMJcNXKe0I

What Landlords MUSTDo NOW To Avoid A £7000 Fine

Landlords must give the government RentersRights Information Sheet 2026

 to all tenants beforethe end of May or risk a fine of up to £7000.

You can download the official PDF document on the governmentwebsite at:

https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026

Although successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they stillneed 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

Gold, Silver and UK Residential Property Price Drop  

Assets like Gold and Silver and UK residential property haveall suffered sharp price drops this year.

Watch video: https://youtu.be/Zupx5H-8xfk

See also:

Renters Rights Act InForce  – What Landlords MUST Do To Avoid A£7000 Fine

The Renters Rights Act comes into force on 1 May 2026 givingmore rights to millions of residential tenants, and imposing more legislationon landlords.

Watch video - https://youtu.be/EDMJcNXKe0I

What Landlords MUSTDo NOW To Avoid A £7000 Fine

Landlords must give the government RentersRights Information Sheet 2026

 to all tenants beforethe end of May or risk a fine of up to £7000.

You can download the official PDF document on the governmentwebsite at:

https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026

Although successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they stillneed 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

UK property prices fall for the first time this year, accordingto the Nationwide Building Society.

The lender reports that prices fell by 0.6%, slowing theannual growth rate to 1.7%, citing the Iran war as a factor.

Property prices are also dropping in the Middle East and Australiaas the effects of Trumps war spreads across the globe.

Watch video - https://youtu.be/T6BiYvW8zIk

Renters Rights Act InForce  – What Landlords MUST Do To Avoid A£7000 Fine

The Renters Rights Act comes into force on 1 May 2026 givingmore rights to millions of residential tenants, and imposing more legislationon landlords.

Watch video - https://youtu.be/EDMJcNXKe0I

What Landlords MUSTDo NOW To Avoid A £7000 Fine

Landlords must give the government RentersRights Information Sheet 2026

 to all tenants beforethe end of May or risk a fine of up to £7000.

You can download the official PDF document on the governmentwebsite at:

https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026

Although successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they stillneed 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

UK property prices fall for the first time this year, accordingto the Nationwide Building Society.

The lender reports that prices fell by 0.6%, slowing theannual growth rate to 1.7%, citing the Iran war as a factor.

Property prices are also dropping in the Middle East and Australiaas the effects of Trumps war spreads across the globe.

Watch video - https://youtu.be/T6BiYvW8zIk

Renters Rights Act InForce  – What Landlords MUST Do To Avoid A£7000 Fine

The Renters Rights Act comes into force on 1 May 2026 givingmore rights to millions of residential tenants, and imposing more legislationon landlords.

Watch video - https://youtu.be/EDMJcNXKe0I

What Landlords MUSTDo NOW To Avoid A £7000 Fine

Landlords must give the government RentersRights Information Sheet 2026

 to all tenants beforethe end of May or risk a fine of up to £7000.

You can download the official PDF document on the governmentwebsite at:

https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026

Although successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they stillneed 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

The Renters Rights Act comes into force on 1 May 2026 givingmore rights to millions of residential tenants, and imposing more legislation on landlords.

Watch video - https://youtu.be/EDMJcNXKe0I

What Landlords MUST Do THIS MONTH To Avoid A £7000 Fine

Landlords must give the government RentersRights Information Sheet 2026

 to all tenants beforethe end of May or risk a fine of up to £7000.

You can download the official PDF document on the governmentwebsite at:

https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026

You must serve the actual document to your tenants, inperson, by post or email, and not just send them the link.

Landlords should keep a record and obtain a receipt oracknowledgement or proof of service.

Solicitors have reported a wave of Section 21 notices beingserved on tenants prior to the deadline when ‘no fault evictions’ will nolonger apply, according to the Guardian.

Although successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they stillneed 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

The Renters Rights Act comes into force on 1 May 2026 givingmore rights to millions of residential tenants, and imposing more legislation on landlords.

Watch video - https://youtu.be/EDMJcNXKe0I

What Landlords MUSTDo THIS MONTH To Avoid A £7000 Fine

Landlords must give the government RentersRights Information Sheet 2026

 to all tenants beforethe end of May or risk a fine of up to £7000.

You can download the official PDF document on the governmentwebsite at:

https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026

You must serve the actual document to your tenants, inperson, by post or email, and not just send them the link.

Landlords should keep a record and obtain a receipt oracknowledgement or proof of service.

Solicitors have reported a wave of Section 21 notices beingserved on tenants prior to the deadline when ‘no fault evictions’ will nolonger apply, according to the Guardian.

Although successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they stillneed 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

Renters Rights Act InForce Today – What Landlords MUST Do To Avoid A £7000 Fine

The Renters Rights Act comes into force on 1 May 2026 givingmore rights to millions of residential tenants, and imposing more legislationon landlords.

Watch video - https://youtu.be/EDMJcNXKe0I

What Landlords MUSTDo THIS MONTH To Avoid A £7000 Fine

Landlords must give the government RentersRights Information Sheet 2026

 to all tenants beforethe end of May or risk a fine of up to £7000.

You can download the official PDF document on the governmentwebsite at:

https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026

You must serve the actual document to your tenants, inperson, by post or email, and not just send them the link.

Landlords should keep a record and obtain a receipt oracknowledgement or proof of service.

Solicitors have reported a wave of Section 21 notices beingserved on tenants prior to the deadline when ‘no fault evictions’ will nolonger apply, according to the Guardian.

Although successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they stillneed 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

In this podcast we discuss the decision by the majorretailer John Lewis to withdraw from developing thousands of residential properties.

Meanwhile, as thousands of small private lands quit thebuy-to-let property, private equity firms and hedge funds continue to investbillions 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 onrental income profits in her budget, which will see the tax burden rise torecord levels. Buy-to-let landlords will pay a tax rate two percentage pointshigher 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 stampduty surcharge on second property purchases to 5%, which is having adetrimental effect on property development and flipping.

Watch full video here - https://youtu.be/O38dvXPp22k

Although successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they stillneed 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 #buytoletlandlord

In this podcast we discuss the decision by the majorretailer John Lewis to withdraw from developing thousands of residential properties.

Meanwhile, as thousands of small private lands quit thebuy-to-let property, private equity firms and hedge funds continue to investbillions 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 onrental income profits in her budget, which will see the tax burden rise torecord levels. Buy-to-let landlords will pay a tax rate two percentage pointshigher 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 stampduty surcharge on second property purchases to 5%, which is having adetrimental effect on property development and flipping.

Watch full video here - https://youtu.be/O38dvXPp22k

Although successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they stillneed 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 #buytoletlandlord

Do THIS and Become a Millionaire: The Simple Habit That Changes Everything

What if becoming a millionaire wasn’t about luck, high income, orrisky bets—but consistency? On the Money Tips Podcast, I break down a simplebut powerful strategy: save 20% ofyour 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

Globalstock markets may be at an all-time high and due for a correction with theworld in turmoil, but that doesn’t matter if you rigorously stick to this plan.

This approach is backed by decades of market performance. Byconsistently investing and reinvesting returns, you harness the power ofcompound growth. Over time, even modest contributions can snowball into significantwealth.

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 andexpensive cars, cutting unnecessary spending, and sticking to your plan monthafter month, year after year.

I first heard a powerful example from Tony Robbins: a man on a below-average incomewho saved and invested 20% consistently for over 40 years. The result? A fundworth around $70 million. Not because he earned more—but because he stayedcommitted.

This strategy is simple, but noteasy. It requires patience, discipline, and long-term thinking. The earlier youstart, the more time compounding has to work in your favour.

Always remember: this content isfor educational purposes only. You should seek independent financial advicebefore making any investment decisions, as I am not your financial advisor. Yourresults may vary.

Start today. Stay consistent. Yourfuture self will thank you.

3 Steps To Success Money Management!

I want to take you to the next level, help you get controlof your money, learn how to invest and become financially free.

Join me online on my free live money management trainingWednesday at 7.00PM.

Places are limited, so registernow 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 ofincluding precious metals in your portfolio. Click here https://pure-gold.co/charles-kellyfor 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 DraggedInto Section 24 TAX

As 7 million people set to pay higher rate, 40%, tax thisyear, 16,000 millionaires will leave the UK this year under Rachel Reeves taxpolicies.

Watch video - https://youtu.be/zH1p2uXz4C8

More landlords are being sucked into higher tax bands andpaying more tax due to George Osborne’s ‘Section 24’ tax hike.

If you are a buy-to-let property landlord and help withSection 24, contact: [email protected]

#section24 #landlordtax #MoneyTipsPodcast #MakingTaxDigital#UKLandlords #PropertyInvesting #stockmarket #pensions #iranwar  #goldandsilver #SandP500, #trackerfunds#vanguardindexfund #tonyrobbins