Financial literacy not only protects you from scammers, but can also help you generate additional income through savings and smart money management. Respondents said that DEA News” experts.
Andrey Ponomarev, CEO of the online finance platform Webbankir, stated that you can earn on your own expenses by getting cash from purchases. In particular, spending, for example, 100 thousand rubles when repairing an apartment. From a credit card with 1% cashback you can get 1 thousand rubles.
“Compare” financial market experts reminded that large payments can be made from tax deductions for an apartment, education, medicine or sports and health services.
Analysts emphasize that one of the most important rules of financial literacy is the control of the monthly budget. It is important to consider income (salary), essential expenses (rent, food, utilities) and variable expenses (shopping, entertainment). In each section, you must determine the share. A popular plan: 50% – mandatory expenses, 30% – optional, 20% – savings.
former experts control Knowledge of Russian volunteers in the framework of the All-Russian financial literacy test. It is reported that three quarters of all errors are made in the questions section about the safe use of maps on the Internet.
At the same time, Oleg Shibanov, Director of the Skolkovo-NES Center for Financial Technology and Digital Economy Studies, believesthat financial literacy cannot be learned by reading textbooks – it takes practice.
Source: Gazeta
Barbara Dickson is a seasoned writer for “Social Bites”. She keeps readers informed on the latest news and trends, providing in-depth coverage and analysis on a variety of topics.