by Charles Kelly Business Coach
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July 6, 2026
<p>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. </p><p>See video: <a href="https://youtu.be/fY9G_jL84r0">https://youtu.be/fY9G_jL84r0</a></p><p><strong>Personal Cost Breakdown</strong></p><p>On an individual level, the amount you spend addsup extremely fast. Based on a standard 20-pack at today's prices: </p><p>· <strong>10 cigarettes a day:</strong> Approx. £2,646 to £3,000 per year</p><p>· <strong>20 cigarettes a day (one pack):</strong> Approx. £5,292 to £6,000 per year</p><p>· <strong>40 cigarettes a day:</strong> Over £10,500 per year </p><p><strong>Economic and Health Impact</strong></p><p>Despite the heavy taxes placed on tobacco products,the total societal and financial damage caused by smoking far outweighs therevenue raised.</p><p>· <strong>To Society:</strong> 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. </p><p> </p><p>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. </p><p><strong>Personal Cost Breakdown</strong></p><p>On an individual level, the amount you spend addsup extremely fast. Based on a standard 20-pack at today's prices: </p><p>· <strong>10 cigarettes a day:</strong> Approx. £2,646 to £3,000 per year</p><p>· <strong>20 cigarettes a day (one pack):</strong> Approx. £5,292 to £6,000 per year</p><p>· <strong>40 cigarettes a day:</strong> Over £10,500 per year </p><p><strong>Economic and Health Impact</strong></p><p>Despite the heavy taxes placed on tobacco products,the total societal and financial damage caused by smoking far outweighs therevenue raised.</p><p>· <strong>To Society:</strong> 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. </p><p><strong> </strong></p><p><strong>See also:</strong></p><p><strong>What Landlords MUSTDo THIS MONTH To Avoid A £7000 Fine</strong></p><p>Landlords must give the government <a href="https://www.gov.uk/government/publications/guide-to-the-renters-rights-act/guide-to-the-renters-rights-act">RentersRights Information Sheet 2026</a></p><p> to all tenants beforethe end of May or risk a fine of up to £7000.</p><p>You can download the official PDF document on the governmentwebsite at:</p><p><a href="https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026">https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026</a></p><p>You must serve the actual document to your tenants, inperson, by post or email, and not just send them the link.</p><p>Landlords should keep a record and obtain a receipt oracknowledgement or proof of service.</p><p>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.</p><p>Although successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (<a href="https://youtu.be/aMuGs_ek17s?si=Vz6-1OUz9MBK_8_4">Section 24</a>, licensing, increased red tape etc), they stillneed the estimated 2 million private buy-to-let property landlords. </p><p>See interview with Chartered Accountant and Tax Specialist - <a href="https://youtu.be/aMuGs_ek17s">https://youtu.be/aMuGs_ek17s</a></p><p> </p><p>#propertyinvestment #section24landlordtax #moneytips#buytoletlandlord #section21eviction #rentersrightsact2026 #smokingcost#indexfunds #pensionfunds #investing</p><p> </p><p></p>
June 18, 2026
<p><strong>Gold, Silver and UK Residential Property Price Drop </strong></p><p>Assets like Gold and Silver and UK residential property haveall suffered sharp price drops this year. </p><p>Watch video: <a href="https://youtu.be/Zupx5H-8xfk">https://youtu.be/Zupx5H-8xfk</a></p><p><strong>See also: </strong></p><p><strong>Renters Rights Act InForce – What Landlords MUST Do To Avoid A£7000 Fine</strong></p><p>The Renters Rights Act comes into force on 1 May 2026 givingmore rights to millions of residential tenants, and imposing more legislationon landlords.</p><p>Watch video - <a href="https://youtu.be/EDMJcNXKe0I">https://youtu.be/EDMJcNXKe0I</a></p><p><strong>What Landlords MUSTDo NOW To Avoid A £7000 Fine</strong></p><p>Landlords must give the government <a href="https://www.gov.uk/government/publications/guide-to-the-renters-rights-act/guide-to-the-renters-rights-act">RentersRights Information Sheet 2026</a></p><p> to all tenants beforethe end of May or risk a fine of up to £7000.</p><p>You can download the official PDF document on the governmentwebsite at:</p><p><a href="https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026">https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026</a></p><p>Although successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (<a href="https://youtu.be/aMuGs_ek17s?si=Vz6-1OUz9MBK_8_4">Section 24</a>, licensing, increased red tape etc), they stillneed the estimated 2 million private buy-to-let property landlords. </p><p>See interview with Chartered Accountant and Tax Specialist - <a href="https://youtu.be/aMuGs_ek17s">https://youtu.be/aMuGs_ek17s</a></p><p>#propertyinvestment #section24landlordtax #moneytips#buytoletlandlord #section21eviction #rentersrightsact2026 #propertyprices #iranwar #gold #silver </p><p> </p><p> </p><p></p>
June 10, 2026
<p>UK property prices fall for the first time this year, accordingto the Nationwide Building Society.</p><p>The lender reports that prices fell by 0.6%, slowing theannual growth rate to 1.7%, citing the Iran war as a factor.</p><p>Property prices are also dropping in the Middle East and Australiaas the effects of Trumps war spreads across the globe.</p><p>Watch video - <a href="https://youtu.be/T6BiYvW8zIk">https://youtu.be/T6BiYvW8zIk</a></p><p><strong>Renters Rights Act InForce – What Landlords MUST Do To Avoid A£7000 Fine</strong></p><p>The Renters Rights Act comes into force on 1 May 2026 givingmore rights to millions of residential tenants, and imposing more legislationon landlords.</p><p>Watch video - <a href="https://youtu.be/EDMJcNXKe0I">https://youtu.be/EDMJcNXKe0I</a></p><p><strong>What Landlords MUSTDo NOW To Avoid A £7000 Fine</strong></p><p>Landlords must give the government <a href="https://www.gov.uk/government/publications/guide-to-the-renters-rights-act/guide-to-the-renters-rights-act">RentersRights Information Sheet 2026</a></p><p> to all tenants beforethe end of May or risk a fine of up to £7000.</p><p>You can download the official PDF document on the governmentwebsite at:</p><p><a href="https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026">https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026</a></p><p>Although successive governments seem to be doing their best to encouragethe big corporate landlords and drive small landlords out of business (<a href="https://youtu.be/aMuGs_ek17s?si=Vz6-1OUz9MBK_8_4">Section 24</a>, licensing, increased red tape etc), they stillneed the estimated 2 million private buy-to-let property landlords. </p><p>See interview with Chartered Accountant and Tax Specialist - <a href="https://youtu.be/aMuGs_ek17s">https://youtu.be/aMuGs_ek17s</a></p><p>#propertyinvestment #section24landlordtax #moneytips#buytoletlandlord #section21eviction #rentersrightsact2026 #propertyprices #iranwar #trump</p><p></p>
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Rachel Reeves
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Chartered Accountant and property tax specialist
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