Investments
Last modified: 2025-01-24 12:01
Although all the tricks of marketing have long been known, you can avoid unplanned spending only by learning the basics of financial discipline, which anyone can learn. Every person makes rash purchases from time to time. Even psychologists argue that too often you cannot deny yourself the desired spending
Last modified: 2025-01-24 12:01
Utility bills take a substantial amount of money from the family budget every month, but even these compulsory expenses can be lowered. If saving water or gas is not always possible, then it is quite possible to reduce electricity consumption, and hence its payment
Last modified: 2025-01-24 12:01
The private car is the most popular and widespread means of transportation in our busy world. Unfortunately, keeping a car is not a cheap pleasure. In particular, fuel prices rise rapidly, which is detrimental to your budget, especially when you have to drive every day
Last modified: 2025-01-24 12:01
In connection with the current situation in the world, most of the products and household items have significantly increased in price. Therefore, housewives are trying to find ways to really save on food, clothing and cosmetics. Most of the family's budget is spent on the purchase of cleansers, shampoos, toothpastes, creams, shower gels and makeup
Last modified: 2025-01-24 12:01
The size of the pension depends on the amount of pension contributions during the period of service. The number of non-state pension funds is already approaching three hundred. When choosing an NPF, both the size of investment income and reliability are important
Last modified: 2025-01-24 12:01
All citizens of the Russian Federation born after 1967 have the right to dispose of the funded part of their pension. What needs to be done to transfer it from the Pension Fund of Russia (PFR) to a non-state pension fund (NPF) or a management company (MC)?
Last modified: 2025-01-24 12:01
Previously, the state was the full and sole administrator of pensions. Now the citizens of Russia independently plan their pension strategy and have the right to decide which of the methods of accumulating future pensions to prefer. There are three different ways to accumulate pensions:
Last modified: 2025-01-24 12:01
Maternal family capital (MSC) is designed to financially support the family in which the second child is born. But can and should the child's father receive something? In fact, the distribution of capital funds between family members is out of the question
Last modified: 2025-01-24 12:01
They do not have the right to demand money for school needs. Payment can only be made for additional educational services not provided for by the program. Questions about security, workbooks are still open. In schools in Russia, questions about fundraising are raised very often
Last modified: 2025-01-24 12:01
Adopting an orphan child or one left without parental care is a huge responsibility. Prospective adoptive parents will have to go through a number of bureaucratic procedures, graduate from the school of adoptive parents and prove in court that they can replace the child with a blood family
Last modified: 2025-01-24 12:01
Most families have the same income every month. To effectively manage their budget, couples decide to plan and control expenses. This will reduce unnecessary spending and save money for large purchases. Instructions Step 1 Agree with your spouse to record all expenses in as much detail as possible within one month
Last modified: 2025-01-24 12:01
Not everyone can boast of a good income, at which you can not only provide yourself with everything you need, but also be able to save money. The problem with money is familiar to many, especially people whose income is small. Instructions Step 1 Start recording your expenses, even the smallest ones
Last modified: 2025-01-24 12:01
Every owner of real estate sooner or later is faced with a partial or complete renovation of housing, but many cannot afford it. You won't be intimidated by the high renovation costs if you follow these 4 tips. Instructions Step 1 Needs and desires When calculating the cost of home renovation, you need to take into account not only your desires, but also the needs of the whole family
Last modified: 2025-01-24 12:01
At the end of 2014, there was a significant increase in prices for many goods. Even the official statistics speaks of a double-digit increase in prices for the past year (over 11%). In 2015, the upward trend in prices will continue. Household appliances and products The devaluation of the ruble in 2014 cannot but affect the cost of food and household appliances
Last modified: 2025-01-24 12:01
If the organization functions successfully and fruitfully, then it brings a certain profit to its owner. And a reasonable question arises - what to do with the profit? Of course, you can take a well-deserved rest and spend your profits, but there are also more profitable ways to invest capital
Last modified: 2025-01-24 12:01
Today, most psychologists are constantly faced with the fact that women turn to them, who, in the literal sense of the word, have to save on everything, and also independently provide not only themselves, but also small children. Women who find themselves in difficult situations begin to constantly suspect their spouse of infidelity, as well as addictions, which can often be costly
Last modified: 2025-01-24 12:01
Do not buy, do not spend, do not spoil - these are the basic principles of saving. How sad and joyless it is when you have to take such drastic measures. But, nevertheless, sometimes you have to save. In fact, things may not be so tragic if you approach this issue wisely
Last modified: 2025-01-24 12:01
These are difficult financial times for many Russians. Nevertheless, there is no shortage in the store, and prices are rising. You don't want to eat stale bread and empty water. These rules were developed by our family through trial and error
Last modified: 2025-01-24 12:01
The savings rate in Russia is not very high. According to statistics, every third citizen has savings. Oddly enough, the more we earn, the more we spend. Therefore, it is impossible to accumulate money. Then you need to act cunningly. Here are some easy ways to learn how to accumulate money
Last modified: 2025-01-24 12:01
A teenager needs to be given pocket money so that he gets acquainted with the basics of financial literacy, can optimize his expenses. The psychological component is also important - there is self-confidence, the opportunity to show independence
Last modified: 2025-01-24 12:01
Buying gold is considered to be one of the most efficient ways to invest your money. Most banks offer customers several options for converting banknotes into precious metal. If you are thinking about the safety of the family budget and want to create your own gold reserve for the first time, evaluate the advantages and disadvantages of each option
Last modified: 2025-01-24 12:01
There is a category of people who can easily find any thing they need at a bargain price. This is often referred to as intuition or intuition, but experience can be substituted for these qualities. The main principle of saving on clothes is based on information about the product obtained before making a purchase
Last modified: 2025-01-24 12:01
Today, few people refuse to have their own apartment. Moreover, many people want it madly, but only a few know how to achieve their dreams. If you just save a small amount every month, it will take decades before you buy your own home. But if you deliberately invest your money savings, then you can buy an apartment much faster
Last modified: 2025-01-24 12:01
Life in abundance has attracted people almost from childhood. And although yachts, palaces, own islands in the ocean are the lot of a few, live richer than it is now possible at any stage of prosperity. Instructions Step 1 Review costs
Last modified: 2025-01-24 12:01
No matter how much they say that with a cute paradise in a hut, when it comes to finances, the situation changes significantly. Especially when the husband refuses to help the child with money. Situations when the husband does not give his wife the means to support the child are quite common
Last modified: 2025-01-24 12:01
You can reduce your electricity bill by following very simple recommendations. The amount of your payments will decrease by 10-15%, and at the same time you will not greatly limit yourself in something. We save on downtime. Use a power-saving mode on your computer (sleep mode)
Last modified: 2025-01-24 12:01
Simple ways to save money that will save your money during the economic crisis. We are all currently experiencing a serious economic crisis in Russia. The devaluation of the national currency hints that it's time to tighten your belts and start saving, so as not to fall below the poverty line
Last modified: 2025-01-24 12:01
A married couple's life together is impossible without planning a common budget. Partners have to work together to solve business issues, plan purchases and other expenses. In order for the finances of the new family to be in perfect order from the first days, you need to know the basic principles of budget planning and strictly adhere to them
Last modified: 2025-01-24 12:01
In the world of finance, a person only cares about two things: how to make money, and how to save it later. If you have a certain amount in your hands that you do not intend to spend immediately, you need to dispose of it wisely. Ideally, so that your money works for you, making a profit
Last modified: 2025-01-24 12:01
Instructions Step 1 Create a table in the Excel editor. In it, plan a menu for your family for every day. This will be your first column. In the second column, we write down the products that you will need to prepare dishes according to the menu
Last modified: 2025-01-24 12:01
On the eve of the New Year, one of the main articles of festive waste is buying New Year's gifts for children, loved ones, relatives, colleagues. It is important here not to forget anyone and to invest in the planned budget. In order for the New Year holidays not to turn into a feast for your bankruptcy, and so that your loved ones do not feel like distant relatives, you need to remember the rules of creative economy
Last modified: 2025-01-24 12:01
The maintenance of their children is the responsibility of the parents. Even if the parent and the child live separately, the law obliges them to pay financial support to their child, regardless of the possibility and availability of funds for this
Last modified: 2025-01-24 12:01
Grocery shopping is a daily necessity. According to research, about a third of the family budget is spent on purchasing food. Upon returning home, many are surprised to discover an interesting fact: the money has been spent, and the bags are filled with all sorts of nonsense, which it is quite possible to do without
Last modified: 2025-01-24 12:01
500 rubles saved per week, perhaps not so much savings. However, if you add up the savings over the whole year, in general, a very decent amount can accumulate. Instructions Step 1 Make coffee at home Have you counted how much money it takes you to buy coffee for work?
Last modified: 2025-01-24 12:01
The steady rise in the price level affects all areas of life, including the cost of school meals. Not all parents know that there are benefits in this area, that it is possible to get a refund for the money spent by the parents on the child's meals at school
Last modified: 2025-01-24 12:01
Modern spouses do not always put their incomes into a common wallet; the practice is increasingly used when everyone has their own savings. This type of farming is very common in the West, and today it is also relevant for Russia. Instructions Step 1 There are 3 types of budgeting:
Last modified: 2025-01-24 12:01
The budget is a system of distribution of income and expenses of the enterprise. The ideal situation is when it is balanced, that is, there is no deficit (shortage) or surplus (surplus) between the available sources of financing and the directions of use of funds
Last modified: 2025-01-24 12:01
You can save kilowatts even in winter. Finding out how to do it. Gadgets with a good appetite The most gluttonous household appliance is the refrigerator. Take a closer look at where the closet is. Next to a stove or radiator? The refrigerator is working at full strength:
Last modified: 2025-01-24 12:01
Situations when a husband reproaches his wife with money arise quite often. Especially if the spouse earns little or no income of her own, for example, while on maternity leave. Is it possible to resist the husband in this case? Psychologists note that in this situation it is possible to prevent the brewing conflict and save the family without any special problems
Last modified: 2025-01-24 12:01
If you are one of the people who take whatever they like from the shelves in the supermarket without worrying about the price, then you are unlikely to be interested in what is written below. But for people who are interested in knowing how to save on food, this information will definitely come in handy