some rule that in a more or less healthy budget, the amount of loan payments should not exceed 30%, this also applies to mortgages, then we understand that, okay, you give at least a third to the banks for something important, necessary, useful, we will clarify the usefulness further, if this monthly credit burden is completely unbearable, then what can be done, you can try to refinance the loan, but at the current high rates , this is probably not the most suitable solution if you took out a loan.. ... then why not try to find one bank, banks are now happy to do this , they say, collect all your loans, if you still have some elements of reliability, as a tax, or rather as a payer of loan payments, then we will make you an offer, even if it is not 10, but this

it will be 15. that instead of the chaos with credit cards, when it’s not very clear, there are some minimum payments, something, somewhere you pay, somehow you organize, it seems like you’re sailing at the very least, a person has a clear schedule: here date, here is the payment, here you owe this money in bank, this can help even just , well, morally or something, to get together somehow, you were absolutely right in what you said, and this is to take out a loan, not a credit card, a loan, because for...

you poured a little earth, rose from hole, you don’t have the opportunity to dig it out, like with a loan, you think, oh well , you know, how we all lose weight, we start eating right on monday, so here, we’ll start visiting next month, this month here me there, this, that, fifth, tenth, no, here you are, an immediate payment to the bank they paid everything in, the loan was repaid a little.

it will be hard for you, you won’t be able to treat this money as your own, because it’s not on your credit card, but nevertheless, this is the very way to the top, how to stop treating money as your own? well, in general, it seems to me that it’s very difficult to really navigate this, because advertising and banks’ offers are all presented as if, well, look, there’s no problem, so you take out a credit card, and now you’ve got to choose the second and third ones. it’s not been a year since this credit card, we’re under it we spend zero each month, we extinguish, here's how to stop. treat this money like existing resources, so i say that the difficulty is only through some kind of awareness, watch our issue, read something about it, find out, maybe see how much you paid for loans , this can be a cutting-edge moment, again a sign or some kind of note, you see that i have been paying for this credit card for, for example, 2 years, this is how much i paid in interest, this is how much i actually used, it is useful , again, to write everything out very carefully see yes see the numbers. because many

, well, for some reason, money flies past from salaries to the bank and so on, well, i can say, i had such a period in the early 2000s, there was a very serious crisis there, when i also lived with a big very credit card, there were very serious amounts, and i got out of the situation psychologically , i stopped treating it, i told myself for 2 months, i won’t touch it at all, i didn’t hand it over, because who knows what, yes, really, there may be a situation, but for 2 months i have been refusing everything in some way i simply didn’t touch any extra expenses at all. in 2 months, not even in one, but in two, i came to the understanding that this is not my money, that this is the bank’s money, and touching it, i pay interest, with you the easy money podcast, we figure out how to pay off loans . so, we took the first two steps, we realized that we were in a hole, we wrote out all the numbers carefully, we realized how much money we actually spend and what our real loan rate was, he told us. what

is it there somewhere, well, something small, here she is oops and almost 40, we learned how to treat money on credit cards, this is very important, as not a key point, the bank at some point, here i repeat again, a very useful exercise: 2 months, one is not enough, 2 month, so that you know how to get rid of hiccups, yes, you need to hold out for two periods when you have hiccups, then holding your breath, your diaphragm, well, can understand that it doesn’t have to do this, so do you, two period without spending money, yes, that is, you are used to it, every month you pay, when you have a break, you don’t need to make this payment, you realize that this money is already yours. and this is the bank’s money, this division will happen, when you secure this in the second month, then god grant that you will be able to no longer use it at all, at least for the period while we get out. the third step, the third step, probably this is another option, what can you do, if the situation is really already complicated,

try to negotiate with the bank about some kind of restructuring, this is when, let’s say, you have a loan for 3 years and a payment of 20,000 rubles per month, which is absolutely right now for you. unbearable, but you can agree with the bank that you will pay this loan for 4 years and thus reduce the payment a little, this does not sound very smart from the point of view that the total amount of interest during this time will increase, you will end up paying more to the bank, but it happens that today there is such a situation that, well, we just need to reduce this credit burden, this is also an option that can be discussed, the banks are interested in having their money returned to them, let’s extrapolate the situation to that the moment when everything... well, you say, well, there is no money, but where will i get it? no, you have calculated everything, yes, but i don’t know, there are different situations, it really happens that there is no money for a month or two, the collectors start calling you, first the bank’s collectors call, then the banks usually sell these contracts to microfinance organizations, and so you

probably know the percentage for which banks sell their loan portfolios, for what, the best portfolios for which there were payments, banks sell for 10%. do not communicate, behave inappropriately, and since now the legislation, thanks to our government and the president, in the last 10 years, a law has been adopted on the rights of those who pay debts, on creditors, enough. is loyal, well , let’s put it this way, it doesn’t allow lawlessness, let’s call a spade a spade as it was before, then in principle, it’s really, it’s inconvenient, it’s negative, it’s calls, it’s some kind of moral obligation, they can’t come to you there , i don’t know how they used to do it, pour gasoline on the door, set it on fire or something else, yes

god forbid, people there go to prison for a long time, so it’s clear that the bank may not agree to this, but try to really come up with this thesis that guys, well, this is the situation and no more, yes, here they are won’t appear, so i have nothing to sell, and you will sell my debt for 10%, let ’s wait a little, or there, if you say, let me buy it from you myself for 20, the bank will not agree, otherwise everyone would do it, yes, but then the next step is the next life hack, with microfinance organizations can completely agree on this, because the microfinance organization bought this debt at the best price for... 10%, and usually for five, for six, and you say, guys, i’m telling you 10% or 15 that’s all, and you you get away from me, you get two ends , it is clear that your economy is also built on the fact that many do not give, but the main thing here is to get from people, this is again a life hack, i just studied

the legislation quite closely, the life hack is such that to get from paper people with a stamp, what yes they are they consider the debt to be fully repaid for this amount at 15%, but this is already an extreme for us now.

write everything down, it’s time to write it down, and here , even if the situation is not as critical

as with microfinance organizations , build some kind of payment strategy for yourself, if you couldn’t refinance everything into one loan, if you still have several of them, there are different ones situation, outline a plan for yourself: first i get rid of the most expensive loan, for example, this is beneficial from a financial point of view, this is correct, yes, first everything strength, all possible free money, right there.

notes, why it shouldn’t be a program that thinks for you, yes, it ’s all there somewhere on the tablet, on the phone, that’s not it, so you need to take a notebook and write it down with a pen, i think that now many they look at me, they think, well , there’s a man sitting there talking, he’s feeling good, oh, but how can i get out, and i’ll tell you, guys, you ’re all waiting, dear our audience, you’re all waiting for some kind of wow effect , yes, there is some kind of magic pill that will suddenly arrive the wizard in the blue helicopter will repay all your loans for free. will not be repaid, the only one who can do this is you, unfortunately, this meticulous work

that we are now trying to describe is the only way to deal with these loans, starting from awareness, but i repeat, from that we really are in a hole in debt, then having written down what exactly constitutes this hole, then understanding what we can refuse in the first place , start budgeting in order to then do. free money, in any budget there is free money, well, the simplest thing that happens is, right now, go to your

mobile phone, look, maybe you can refuse some subscriptions, don’t buy books for your children, but borrow them from the library, i don’t know , run in the park for free, don’t pay for a fitness club, it would seem that there are hundreds of rubles there, but all together a month can add up to one and a half or two, and i don’t know about that, paying for phones for the whole family, or early payment may be something... then a small payment from you. gives you savings on interest, this is all important, i think this is not saving, even just paying attention to your money, being attentive to your credit history in the future, that is, you need to start with what you need like this throw out the trash from the old house call your friends , yes, as the song says, so it’s the same here, you can’t do without it, without hygiene first of all in the head, which means the hygiene of the workplace, space, that’s completely putting things in order. especially in numbers, yes, let's recommend it to people here look at what’s going on with your wallet, how

are your accounts, where is the money, lay out the same cards carefully, this doesn’t seem to concern financial literacy, but as you wrote, it brings order to your head and it seems that this is how we organize the world around us. i, larisa guzeeva, let's get married, good afternoon, today the grooms are pavel, boris and vadim, and our bride is anastasia. she is 40 years old, her husband’s relatives were convinced that since she was older than their son, she should provide for him completely. anastasia is the owner of a sewing workshop, studying to be a bell ringer art, breeds bees, paints and restores furniture, annually organizes oil festivals, dreams of having a child. anastasia will never love a bald

workaholic who wears too much cologne and often complains about his health. she will marry strong. a handy, bearded man with a flexible work schedule, a beautiful smile, so that for weeks we would eat at shrovetide, oh my pancakes, butter pancakes,

oh, 35, and how old was he? seven less, and what about the family, did you test you, why did they suddenly decide that you weren’t come to them, it turns out that we lost our children, and after that they began to insist that get a divorce, she won’t give birth to you, she’s older,

at first he didn’t listen to them, somehow tried to resist, but at some point, apparently... .. this thought stuck in him and he really really wanted children, well, now he and you couldn’t really give birth to anyone, well , it’s not medically confirmed, that is , the doctors didn’t say why all sorts of miscarriages happen, everything happens, but man is tightly straight and the parents were he involved in your life? oh well the grandmother tried very hard, she came quite often and gave advice, i feel sorry for the woman, 40, she wants to have a child, it’s clear that she desperately wants it.

to live eco-friendly, because for both of us - and to translate into russian, well, translate eco-friendly - it means gentle, without any of these stressful things, so that everything would be without fear, so that everything would be without complaints, yes, why did your ex run to your grandmother anyway? time to eat, the fact is that i have a lot of good friends, at some point just after ... this situation happened to us very severe, traumatic, he began to have such a protracted depression, but he practically stopped working, and well, naturally , some of his contribution to the family budget simply began to equal zero, it’s definitely not because of what happened to you, he just stopped to work, because

there was another reason, i didn’t don’t want to work , that’s all, lazy people are doing something else, so what, well, i didn’t want to work and what next, well, my friend advised me, she says: well, you just stop buying groceries yourself when in there won't be any food in the refrigerator, he'll start buy it yourself, well, like, whatever the husband brings, the wife will bring it, well, yes, i decided that i was so humble and i could get over it at some point, when it was all over, and he came home so joyful and said : well, what is there to eat, i say, well , look at everything that god sent, what he brought, what you eat, and he is so happy, he says, and i already ate at my grandmother’s, and i realized that i would be the first to die. .. hunger, rather than start buying food, yes, grandma is pressing, well, having entered into a battle with grandma, cook better, than grandma, show that you are better than grandma, what happened? the last point , that’s when you already realized that you really, well, when his grandmother called him, she said that you are the eldest, you must provide for him, i say, this is what i really like about grandma’s

psychology, whether you should cook it yourself with honey or not , here’s another apricot one, let’s put it here, today i ’m standing here at the bar counter for inexpensive 500 rubles. i justified it, let me do it with this, here’s a rose, now you believe that i... there will be something to brag about and what, but it’s straight disgusting, he comes so well-fed from his grandmother, she said that i should provide for him, i realized that this is the topic, because she says, your wife is older, so let her feed everything, and that i like this topic, she took it, so this is laris’s young body. of course, if you brought him, well, yes, he’s just like that, if you’d cool off, he ’d know, his tail would run like a pipe, then

he’d relax, but what, what do you want, if you want a young body, that means, well, how do you want it? -what did you think, he’s not an old man, laris, look how she is on my pancakes, yes, the language is not, oh, rose, very convenient logic for those people who protect their son so much. great, the eldest has found a wife, let her cook everything, let her buy everything, let her do everything, and you’re so good to me, please tell me, mendelssohn, why couples where women are older than men are more condemned in society than couples where older men, psychologists believe that a marriage in which an older woman is most likely to break up, young guys want to have fun with mature ladies, mature ladies go after young guys for bright and...

i wonder why she chose a husband who was 7 years younger than her, what she found in him, what she wanted, or he charmed her so much, this i was shocked, simply, simply shocked, and besides the fact that he cheated on you, he was also future married, well, with a young woman, so he took everything you had acquired, and why did you give it to him, it’s not like he took everything . he just left everything, well, that is, we mean to ourselves, well, yes, he left to himself, well, everything that we built there, yes with this girl had a house, and they built a house , why didn’t you demand through the court, a division

of property, well, we separated, well, first of all, the house, when we got married, the house already existed, we just furnished it with everything that was given to us, let’s say we invested in a house, well , his, his land, his house, but when nastya needed a washing machine, he did. i’ll take mine, then his woman said , she didn’t ask us for this refrigerator, you can say, i need it myself, he said that i, well, i beg you, who hissed her there, you need it more, where do you live now in your workshop, and what this is a workshop, well, this is a two-level space in an old historical house, which i created myself, i work there, this is a workshop, no, it’s in disrepair . that means you live in a house that could fall apart at any moment , right, yes, that is, you can’t live there, you can, no, it’s in disrepair, that means

you can’t live, well, now there’s a trial going on, and some kind of compensation , apparently they will offer it, and i will build a house for myself on my land, and you have land, you look at it, here is this pancake that i baked especially for you, thank you. it is spelled for your happiness and so that no one will take anything away from you again and so that after maslenitsa you will have only everything , right here, all the best, the most beautiful, so that no one will ever offend you again, and so that you will have faith and hope , and love, this is the jam for you, thank you, apricot and honey, you definitely need to eat it, it’s strange that the heroine doesn’t bake pancakes herself, she does everything. presenter, it seems to me that you could already take the initiative into your own hands and prove yourself, show your skills, what else do you want

from life? what do you dream about? well, i want to build a harmonious family, give birth to healthy , happy children, not a single child , to give birth myself, yes, well, we have larisa, anastasia , an original, look, that means, first, you are a modern woman, okay, you wash the floors with a decoction , i won’t add salt, i basically understand, well, that’s great, i also fumigate the room with wormwood when i’m working in the bathhouse. we wash the shelves too, she has such an interesting hobby, she is now studying to be a bell ringer, let's see, when we go up to the bell tower, we realize that we have seen these walls also peter i. plays the bells well,

interesting, smart girl. i’m not the only one who’s afraid of bees, yes i am too , well, make friends with bees, the most important thing is to make friends with anastasia, nastya will show you how to communicate with them, that’s it, girls, bon appetit, good mood, everything is delicious, thank you, and now come in and meet groom first, good luck!

anastasia, hello, hello , my name is pavel, and this is all for you, good, this is all for you , thank you, good, now turn around like a goat, oh god, oops, that's it, let's go, okay, pavel, 39 years old, scientific employee at chemical production, lives in nizhny novgorod, studies the cultures of the peoples of the world, burns wood, swims in a kayak, is proud that he can see troubles a kilometer away, dreams of building a mobile bathhouse, warns that he wakes up before sunrise and believes in folk superstitions, only anniversary of his relationship with his beloved,

pavel found out that she has been living with another man for... 7 years, he hopes that anastasia will not keep secrets from him. hello pavel, hello larisa, hello rosa, the groom is a good guy, i don’t know, let’s see how they talk now, in general, it seems to me that he is suitable for her. pavel, were you in a lethargic state or something, like this, tell me, listen, okay, before there were no telephones, it’s possible, but now, when the phone calls endlessly there.

at that moment i was living with my parents, but there i went to my apartment, where the cat lived and stayed, my mother had allergies, they couldn’t take the cat, she asked me to come pour it in. cat food on purpose or not, but at that moment he came there, he had his keys, since he was renting out this apartment , well, as if he was renting it for her, so we connected with him, well, i pretended to be a sweetheart, said that they paid me for feeding the cat, since he had a logical question, what am i doing in someone else’s apartment, if i found out that my woman has some other man, then how would i think? i would simply end this relationship, than to explain that she eventually ran away from you to him and stayed with him, as her colleague said, a year later, when we somehow crossed paths by chance, or maybe not by chance,

so he threatened her, well, physical harm and physical harm not only to her, but also to me. mendelsohn, how long can a man be fooled by stories like this? well, here it all depends, of course, on the man and how long he wants to be deceived, because there are girls who do this quite successfully, one had two families, she went to one city on weekdays, built a business , lived with another on weekends, in the end, by the way, i went to the third one, he was luckier than anyone, well the business built this, look, pavel, everything is fine with you, by the way, with the dowry, you have an apartment, a large apartment, but it’s roomy.

just escort the bride to us, you're blinded, yes, in my opinion, thank you, thank you, thank you, come on bride, come back. there with pancakes in the language of young people it’s spelled k somehow kringzhovo it’s called for me so well, you liked the groom, he’s handsome, he’s a very positive person, he’s sitting smiling, a researcher at a chemical

production facility, 39 years old, and what confused him? it seems to me that he will not go to build a campsite in saratov, will you go to him? no, that is, you need a man who will come to you, not necessarily. but i have to, the third option doesn’t happen, then suggest uh, well , your own option, as you see it, well, in the summer we live in this campsite and this is my business, and in the winter we live somewhere in a warm country, well, the bride is a little lost , doesn’t know what to do, of course he’s embarrassed, i’m in an unusual situation, and right now i’m designing a hobbit house. hill, where there will be a russian stove, where it will be, who will look after it, and in winter? i live outside the city, i have water left, then the sewer broke and so, who is the husband or hired people, then we are looking for a rich man,

now i am looking after it myself, but of course it is very difficult, because this is a certain infrastructure that needs to be supported, you can answer the question, who did you say the hobbit house, yeah, i know how they are a hobbit house? it looks in the ground then, yes, from above it seems to me that such a design is expensive, but to carry out communication there, i have already made a well out of it, now the foundation is already going under the stove, everything will be fine, fine. it's also called fashionable in a word, let's go, cool with a broom , hello, i'm boris, i'm a simple guy, so i prepared this bouquet for you, this is a cool bouquet that will definitely give you beauty and health, i agree. thank you, and i’m giving honey, natural, good

, thank you, oh, help me down , otherwise, let’s go, okay, boris, 39 years old, owner of a bath complex in the moscow region, plays basketball, collects herbs and massages with tibetan bowls, is proud because he himself delivered his wife’s child, he dreams of becoming a grandfather and great-grandfather of many children, he warns, that in the morning he washes himself with snow and walks around the house barefoot. admits that he does not like women in heels, boris’s soul has always longed for nature, and his wife preferred material values ​​to the chirping of birds and fresh air. vilchik, would you like some? hello, thank you, later, if you don’t want to, yes, not yet. the second groom is a very interesting character, colorful, but the suit is clearly not his, it’s not his style. let's talk about your wife, did she really need more? and not birds, what a fool, look, well, we lived in the city, in general

just me, well, not always, but at some point i started to get more into nature, that’s a plus for work issues, and always when there was a question of earning more money somewhere or doing better quality work to do something good for people, yes , i always chose this side, yes, but she was more concerned about material issues, he is also close. they lived on her territory or on her territory, but

they built this house, you said they wanted to build a house outside the city, but on my territory, they wanted a countryside, but she didn’t, she says, well, yes, she likes the city better life, so that the children study in some good school and so on, well, there is some kind of homespun in this, but it turns out that he and his wife were completely different, well, yes, she wanted city life and some amenities, but he wants, you see nature, and she was very jealous of you, well, she was a little bit. that's when, well, i 've been doing bathing for about 10 years, and yes, she's like, well, naturally, women are all jealous, but no, when naked women walk in front of you, excuse me, steamed women, beautiful women, that's it , okay, woman, that's beautiful women he with their hands they immediately get pleasure and enjoy it, and i bring it to them, she is jealous of what i give not only to her , can you imagine how strange it is, but you to others? so much pleasure, and for men

too, well, here you are, right now, you’re a multi-handed shiva, it’s clear, well , you brought money to the family, well, you brought it , but not enough in her opinion, why did you wash so little, or something, you should take more of these beautiful women and men too, and they would lather the shift workers with quick methods, it was necessary, i tried, but you see, but i didn’t make it, i was in one bathhouse, it’s just... well, they invited me, i didn’t even know that there would be a bathhouse there, well , let’s go out of town, the people are very decent, everyone there is so wealthy and so on, let’s go to the bathhouse, i don’t understand, i think , well, everyone went, i went, why am i alone, this, they all took off their clothes, invited the little guy, and the little guy started pestering me, so i barely got out of there, imagining that you had a good time, i said that i’m not like that in general, i won’t come to her again in life, and never came, well...

strength from meat and from food from what from the holy spirit i agree, energy is everywhere. i like everything everywhere, the only thing i think a little is that after all, god doesn’t give three children just like that, maybe you haven’t burned all your bridges yet, it’s still possible to unite with your wife, why are you friends? , god himself brings you together, well, there’s a lot in common, because there’s a lot in general, that is, she doesn’t

like to cook, she’s not a homebody, yes, that is, you don’t need to eat, she will have a separate room, so she’ll be jealous. there will be no bathhouse at all, she doesn’t need money at all, if the couple matches, then i i think they will find a compromise regarding food, too, but please show me a surprise, hello, we have a fair today, help yourself to cockerels, sweets, this is all for you, welcome young people, today we have to jump over the fire.

well, congratulations, you coped with our competitions, well done, let's go, happy maslenitsa

, yes, congratulations to you, save us, well done, look, cool, great, yes.

a number of philologists are sure that the meaning came from the abbreviation of the expression burnt pancake, that is, from annoyance, and this was also what they used to call a person unsuited to work. this fits right in with us today. meet the third groom, come in. hello. hello, my name is vadim, today we will eat pancakes here, but i really hope that after some time in our common kitchen, this is for you, this is for you, oh, he's hot, hot, yes, hold on, wow, i'll help then bring the bouquet, yes, let's go, vadim, 62 years old, host of events and holidays from moscow,

plays the boyana, skis, sings in karooke, admits that he becomes a winner at all the resorts in the world competition. mr. hotel, warns that he does not accept separate budgets in the family, his wife tormented vadim with careless jealousy, but in the end she was the first to have an affair on the side, hoping that anastasia will be honest with him. hello, glad to see you, hello, give, give, and they brought us all a pie, a pie for everyone, rose, this is for you, it’s very nice to see you, oh, yes, thank you. yes, thank you, it seems to me that out of all three of us, this one is the most suitable for her in terms of, although on the other hand, she is so lively, active, and this is his uncle, he’s only 10 years old. already vadim , maybe your wife was jealous of you because your profession is to entertain, no, at that time i

worked in a gymnasium at school, taught, and also, well, i sometimes worked on holidays, but that was not, well, they worked in a women’s group, i can imagine these nimble teachers there, well, she was jealous and how her jealousy was expressed, but listen, you can’t even look in the direction of a beautiful girl, they just made children in the marriage, here they are... handsome, the gunpowder is not in the flask yet lost, well already how i know that he already has two children, adults, so he won’t have problems with children here, but how they found out that she was having an affair around the country, well, i had suspicions, then i saw the text message, then there is such communication going on, well, as you usually know, lovers with each other, the cat goes there, the cat goes on. i poured on, well, everything is clear, i think they work together, but she didn’t want to work with me, so i think, well, yes, that is, she, she, by the way, is a creative person

, a singer, so she found herself the same man, accordion player, no, i’m not only an accordion player, i’m an accordion player, a guitarist, a pianist, and a choir player, i’m a conductor in general, you need to pay attention to how sad my eyes are, a sharp change in mood, about memories of my wife, at least maybe and a long time ago, but... i still remember very much, tell me, did i stop zealously when they read the text message? listen, you even know what an interesting reaction there was when i found out about this, at first i thought, well, he somehow, no, i think we need to somehow react to this matter like a man, meet there, that’s all, and then figured i think, well, somehow we ’ve been having this kind of desire for each other for more than a year now, there’s no such desire, i think that i’m a dog of the population or something, well...

about two after after i found out, well , i was celebrating my anniversary, my granddaughter fell in love with me, that’s all the granddaughter of whose anniversary, how many granddaughters were there? 20, you, well, 40, probably, the groom came here with his children, and these children, well , it seems to me, at some points they look older than the bride, somehow also somehow not, maybe this will confuse her, let’s talk about the children , there... how can you pull it off? well unknown

how normal i feel now and i think that i’ll still be able to work normally for 10 years, yeah, the main thing is not to get sick, well, everything is already being worked on, very good, yeah, i’m just, and what if suddenly, you raise children alone, god’s will for everything. what are you doing? well, that’s when i got here, huh?