“The worst financial decisions are impulsive decisions and under the influence of someone’s advice or someone else’s example,” said the head of the Central Bank of Russia Elvira Nabiullina.
According to her, RIA Novosti reports, when deciding on the “fate” of your money, you need to focus on your own income and expenses, and not on rush demand or someone’s advice. Nabiullina explained that advice or even an example from other people may be unsuccessful for a person in other circumstances. “We need to measure it not with someone else’s example, but with our own analysis of income and expenses,” she stressed.
The head of the Central Bank added that she personally “would have thought strongly” before buying anything “on the wave” of rumors that some goods “will surely rise in price.” She clarified: the price may correct, go down, not up, or the rise in price will be slow, or the rush demand will pass or there will be better offers.
“Common sense is the main thing!” – summed up Nabiullina.
Recall, according to a survey of the SuperJob service, 43% of working Russians do not have any savings. 18% could live only on savings from one to two months, 13% – less than a month, 11% – from three months to six months, 8% – from six months to a year. Only 7% of respondents will hold out for more than a year. Most often (51%) respondents with an income of less than 50 thousand rubles stated that they had no savings.
34% of the study participants do not plan their future income and spending – 13% more than in 2019. People with a monthly income below 50 thousand rubles were more likely to answer this question in the negative. Another 38% plan for a period of less than six months, 17% – for six months or a year. Only 11% of respondents
As it turned out, of those who plan income and expenses for more than a year, there are more among those who earn more than 80 thousand rubles. per month.
The survey involved 1,600 adult representatives of the economically active population from all districts of Russia. The study was conducted from November 9 to December 9, 2021.
Source: Rosbalt
Tristin is an accomplished author and journalist, known for his in-depth and engaging writing on sports. He currently works as a writer at 247 News Agency, where he has established himself as a respected voice in the sports industry.
