Alexei Okhorzin, Head of MKB Retail Business Unit, spoke in an interview. DEA NewsHow to properly save a financial pillow.
According to him, if a citizen saves even 1-3 months’ income, he will feel much more secure financially.
According to the expert, it is possible to save a financial pillow by allocating a certain monthly amount from the salary to the savings account.
“Start with 5-10 percent, for example, and make it from your ‘mandatory payments,’” he said.
The specialist noted that it is possible to start saving money at any income level, but it is important to train in financial responsibility and follow simple rules. First, it is necessary to rationalize the budget: calculate your expenses for mandatory payments, food, gasoline, take into account unexpected expenses and gifts to relatives. Okhorzin recommended immediate payment for housing and communal services and loans.
“This will help you understand how much money you really have,” he continued.
Next, you need to analyze your spending and decide what you can save on or abandon some purchases altogether. As an example, the specialist cited a daily cup of coffee, which can cost 120 rubles. If you drink it once a day on weekdays, it will be 30,240 rubles per year, and this can be “postponed or deposited”.
The expert also urged not to forget about setting goals.
“Just saving money for a rainy day isn’t the best motivation, and our brain doesn’t perceive it as a clear task,” he added.
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