Vladimir Savenok. Born in 1959 in Belarus. Higher education and later graduated from the Academy of National Economy and the IMF Institute. Career in finance began in 1992 at the National Bank of Belarus (similar to the Russian Central Bank), where he was chief economist and member of the board of directors. In 2002, by his own admission, the work at the bank he got bored. Since that time he became an independent financial adviser, and in 2006 organized the firm "Private Capital", which gives people advice on how to manage your money. Debt is better to give as soon as possible, Oleg: - Hello, avoiding introductions, ask the most questions. Firstly, how long the crisis? VS: - That no one knows. I think that at least one year should be ready to lead a moderate lifestyle. Although the crisis is unpredictable: it can and will last several years, and after six months to end. Should be prepared for any situation .- Second, as is most advantageous to save their money? VS: - Now more than ever it is important to divide their investments. The best structure I think this: 70% of banks in different currencies, and 30% - in mutual funds and stocks. But if the situation changes for the better, you will need to change the structure in favor of the second part. Real estate today is not worth buying. In this market everyone expects the price drops. In addition, the current situation, buying cars or household appliances, I think netselesoobraznoy.Irina Kovalev: - What to do with the money now - to spend or save? And then all the different ways they say ... VS: - Now it's time to take control of their spending. In the labor market is experiencing very large changes. Incomes of many people decrease. In this situation, increase spending - it's like a feast during the plague. I recommend to analyze your costs and possibly reduce them, rather than increase it. Alex: - I have an outstanding loan to the Savings Bank - about a quarter of principal. In principle, I can pay for four months. But the term to maturity of the loan under the contract, about 4 years. What to do: to force repayment or not in a hurry? VS: - Force and repay. One of the basic rules of money management is to invest only after repayment of all loans. I do not see any reason to pay for expensive credit and thus keep money in cash or in bank at interest lower than the rate on the loan. Nataly: - Buying an expensive car loan at 17% per annum for 5 years now possible to postpone or better? VS: - We buy on credit is very dangerous. At such times, when we do not know what will be our income in a week or a month, I would not recommend anyone to borrow. It is better to postpone the purchase. Svetlana: - What is better to take a mortgage: in rubles, dollars or euros? VS: - It is always better to take a loan in the currency in which you receive income. In this case, you can avoid currency risks. Now imagine they felt the borrowers who took out loans in U.S. dollars. For a long time, they were very profitable, but only until such time as the dollar has not begun to strengthen. Now these borrowers will be a serious problem because, apparently, the dollar will rise. Irina Yakovleva: - My husband and I two loans - consumer and mortgage plus correspondence fee study at the institute, plus two children (kindergarten and school). Cool as we can. And even manages to still go to the sea in summer. But to be honest, it is very difficult to plan costs. And my question is: is it worth now delayed "live" money? Or better yet they invest in something? VS: - In your situation, saving money does not make sense, since you have credits. I advise you to immediately repay a consumer loan. These loans are the most expensive, and they constitute a large part of household expenditure. After repayment of the loan you need to create a nest egg (reserve fund). Further, the possibility of early repayment on your mortgage. "Golden Rules" of economy, Vladimir: - We have quite impossible to plan and budget! Procrastinate and do not know what tomorrow's savings! How to build a family budget in a volatile economy? VS: - Plan it is always possible. Without a plan, you are just drifting, not knowing where. As for savings, you should always place their investments in different assets and different currencies. Nikolai Petrovich, a taxi driver: - That's interesting, and whether there is any, so to speak, "golden rules" of planning the family budget, and that the stash was, and life was missing? I may be a "live" money work schedule it has not learned, although it was soon 50 years old! Thank you for your answer! VS: - Of course, the rules are. The first - is that your income must be divided into two parts, always. The first part you expend, the second invested. This applies to people of all income levels. Second - everyone should be a reserve fund. It's money for a rainy day. And the third - from time to time, at least once a year, do an analysis of their expenses. Surely you have articles, without which you can do or they reduce it. Galina, Murmansk: - I want to be rich! But with my job a primary school teacher and a bunch of podrabotok He does not work! Of course, there are people who are living worse than us, but not on them as equal. You agree with me? VS: - Agreed. Should always be on those who live better. But in order to become rich, you need to do something. Just want enough. Maybe you have some thoughts on creating your own business. This is the real way to make money and become rich. Yuliya Filippova: - How to plan costs to all missing? Or is it a rhetorical question? VS: - The first thing to establish control over their spending. This is not to put their loved ones only on bread and water. And in order for you to know what is happening with your money. Perhaps your income is not enough for those expenses that you plan. Or do you have items that you can cut or they'll never need. For example, one of my clients are connected to satellite television, pay for it every month, about a thousand rubles, and had never watched, because a lot of work and at home is rare. Naturally, this item of expenditure, we have excluded from its budget, with which he agreed without question. Are there any tricks or secrets, as from a small amount of personal capital to grow, which will feel more confident, and so on food and clothing, and life was missing? VS: - Receive one - to regularly invest part of their income. I do not advise you to look for ways to sharply increase their savings due to suspicious transactions. Typically, these proposals do just the financial pyramid. But the systematic and regular investment of money in the escrow account at the bank over time will allow you to grow a substantial personal assets. In one of his books, I gave an example how to investing daily 150 rubles (the cost of a cup of coffee in the restaurant) a few years, the person receives the capital of several million. This is a very real mechanism, which works flawlessly for hundreds of years. "Who's the Boss, Elena V.: - Vladimir, good day! Do you personally think as to who should manage the family finances: the husband or wife-spender, which keeps the whole house? We are constantly on the subject disputes - or defer spending. "We live once!" - As expressed by my husband. VS: - Agree, if you both have been squandered or very economical to live, probably would not be so interesting. Even if you take a money order, I think your husband will find a way as not to give you all your income. The family must be a balance. You can not always save money and live in poverty, putting every ruble. But at the same time not all the money you spend. Benjamin Franklin said about this: "Spend less than you earn." If your husband wants to spend a lot, advise him to earn more. TIPS If you have loans, especially small ones, try as soon as possible to pay for them and not meddle in others. Make an analysis of its costs, find the excess and cut them. To postpone expensive purchases. Divide your income into two parts: the first - spend, the second - delay. All my savings store in various currencies in several major banks.
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