turns around and says: but you uncle don’t know, he doesn’t tell me, a cute school joke, considering how you say it correctly, a collective image of such that vovochka is some kind of truth-teller, he’s somehow, although in principle simple, yes, you know, this is a hussar, this is rzhevsky’s lieutenant, only young, that’s it, yes, now i thought that like this kurzhevsky’s lieutenant, look, i know a couple of jokes about kurzhevsky’s lieutenant, i wouldn’t want to. he came up with something like this, so he was like this lieutenant rzhevsky, who, well, he was responsible for, let’s say, vulgarity, obscenity, and why was he appointed, because, well , maybe it was a collective image of all the hussars at that time, that is, or someone else, i think, that this is again according to the trends to go to the dinner gusal. this is where it comes from,

war and peace, say a word about the poor hussar, some bright characters appeared on our domestic television or in cinema, and this then passed on to the people, and they were given all sorts of superpowers, some vulgar, unvulgar and so on, he became a people's favorite and it seems that poruchy kryzhevsky is one of the examples, well, here’s the exact definition, i think, but it’s still unclear why, well, out of all the variety of characters there, you know.

nowadays, many people, forgive me, say that the joke genre is not so popular, but we are still trying to preserve it, including here in our podcast laboratory, this is what it takes to become hero of jokes, by the way, what do you say, i’m i thought about it, it seems to me, well, it’s true that jokes didn’t appear: a blogger comes to pay taxes, yes, or well, that is, well, no such thing came up somehow, a blogger paid taxes himself, you can’t just go somewhere. in short, for some reason,

as if you know, everything cool was invented before, you asked a question about the heroes of jokes, very often now you said the word hero hero, so the answer seems to me to be encrypted in this, the hero of jokes of their time were like heroes of their time, heroes of our time, who are now, the heroes are like before, what to laugh at, mother-in-law, stirlitz, but they appeared, arose, and created such a layer as heroes who were laughed at, now... it’s not clear, there are no such bright characters who it really stands out, here’s an anecdote, now all the bloggers are just making these sketches, it seems to me that jokes were told before, they just couldn’t be visualized, now we came up with a miniature, showed it, here you go, now you understand, before - the joke is important, it’s very important to me that - let’s say if the humor is readable, when you read, everything is clearly written there, and if someone tells it, then be so good as to tell me what was funny, you know, there are stupid jokes, when in general there, well...

i’ll go through the corn, there let's meet, they are good, good, and they jumped out, cheerful and quickly walking to the side, and he ran there into the corn with this steering wheel. they rushed, ran up, there he was in such a sunny mood, so goyish, they approached him with that policeman, he threw him out, there was one idiot with a steering wheel, he said, with a steering wheel from a kamaz, they said, yes, yes, yes, he he says, we haven’t been able to catch him for 2 weeks, he’s been driving without a license, he says, where is he talking, well, he literally turned 200 meters into the corn there, he says, quickly, takes the steering wheel from the motorcycle, he says, sit down, you two are behind me, and you in the stroller, he says, are you crazy, then... he jerks the shutter on automatic, i said quickly, you in the stroller, you two in the back, this one sat in the stroller, like that, and he, like that , you know, we’re driving into the corn, and these guys behind me are like, i’m running after this, and this one is running, he’s like, what are you doing, i said, you

in a stroller, run in a half-squat, and he crouched like that, here they fly into the corn, the cobs are treating the entire forest with them, and this one runs in a crouch, i... to these he says, why the hell are we, why the hell are we going to this post, now i got to the city normally in a kamaz truck, and there are also a lot of endings, jokes are common among people, they are used simply in everyday life, everyone understands where it all comes from, there’s already a box of vodka and two people back, yes, yes, that’s something like that, i like jokes , i often like the ending of this joke, my wife and i often throw each other at 3:00 am for any reason the wife went on a spree somewhere, the man is sitting at home, waiting for her and not worrying. 3:00 a.m. the doorbell rings, the husband opens the door, the wife is standing, all torn , her dress is all drunk, all the lipstick is smeared , he says, do you think i’ll let you go home like this , he tells me, i don’t care, i’m with a guitar, yes, that’s already yes, that’s already it’s already become from the smear, that’s generally yes so it’s all about the people, well, like the old one, you know

, in one phrase you bring up the whole evening that was that it came to the point that and you can do it , i now i will now i will bring it, i will bring it. the joke itself is as a rule, no matter who is in it hero, yes, that is, the story itself should be anecdotal, that is, it doesn’t matter whether the cheburashka did it, or it’s clear that take it off the steering wheel and not from the steering wheel, the cheburashka is pun humor, yes, there is, which is, well, some kind of then something abstract, which is familiar to everyone, for example, there is some kind of funny joke, but it means that it’s 6 am in the morning and the doorbell rings, a guy who’s so sleepy in the family rooms, gets up, comes up, looks, two people are standing, he’s on on the threshold, on the landing, he opens it, and there are two people standing there, holding the coffin, they silently pass him, past him they pass, silently, they go through the hallway, into the bedroom, there is a wife so frightened, she has covered herself with a blanket, she is also in a nightie, they silently

walk around the bed and also through the entrance and back to the door, the man is not mine at all, it is a woman in the bed, here the last one who is carrying says, man, i’m sorry, there ’s no turning around in the corridor, it’s such a stupid ending, that’s why i’m thinking at this moment, but this, well, roughly speaking, could have happened, so it could have happened or not , here’s something that fits into this anecdotal story, i tell you i’ll tell you a story, that’s what you said too, well, he told me, that’s what you told, the doorbell will ring, it was you who told a funny joke about the eyes, i had one there. just a story, i - i studied at the institute, we have a friend like this, i hope everything is fine with her, masha is such a masalova, she lived in belarus, well, it doesn’t matter where she lived, very good, very important, yes, yes, eighty eighth year of birth, she has two children, in short, we hung out at her house, we hung out, for about 4 years, for about 4 years, every

weekend we came to her, just with her we were friends, we had a big company, she always had a friend who didn’t say a word in 4 years, who also, well, it’ll be july, you know. yulia and in short and one day she, yulia was late for something, she says: guys, she says, can we get together at yulia’s today, her parents are like gone and we are always at my place, so here we can at her place, we say, well she will be pleased, as if he too, we say, yes, of course, we went to her house and something like this, something everyone there was tired, sleepy, and it so happened that i didn’t have a place left where to go to bed and i took my sneakers from the hallway, well, i was young and lay down on my sneakers at about 5 in the morning, this is a real story. she will be there at about eight or seven she will be with me, this is yulia, the mistress, yes, she says, can you hear me, i say, yes, she says, please go away, i say where, everyone has already left, i have parents have arrived, please leave, go to masha, you hung out there for 4 years, and i always went to masha

by elevator, he says, yes, okay, i’m with the prosode, something happened in the summer without a top, i’m there myself, well, yes, yes, macho, macho, yes, yes, yes, i’m going to the crossover, i say, yes, i think, why the hell are we going to this yulia anyway... let’s go by an anecdote, here’s a favorite one, let’s choose some characters, since we started with this, but let’s continue the conversation,

for example, here who, vovochka we had, we kind of give a lead there, let me tell you about the new russian, i have an anecdote, this is a whole whole layer of jokes, a huge layer, here again is a stereotype, yes, the nineties of the last century, you can already imagine how long ago it was, yes, i think it’s even a 600 and a mercedes, yes, you can immediately picture what it looks like at all?

only i don’t know them anymore, here’s one, one of them is no longer needed for the program, it’s quite enough, in short, about the new russian mork , there are two ceilings for the anatomy , there’s no work, it’s like i’m not bringing anyone to them, and they’re sitting without work, drinking tea, well, there’s nothing to do since they have this there's a knock on the door, they open it, there's a cart of just rich cars, right here, six hundred mercedes, all this jeeps, all wide jeeps, all these, they put chains in the finger , listen and say listen, bro, this is the same thing in short. they say ours bro, think about it, he drove off, just took it and drove off, to his tsatsi, went, so i

’m all from there, fingertips, yes, in short, he went, just like that, went to his tsatsi, in short, yes, well, he dressed like - in general, i went to the arrow to satsu, but i didn’t dress for fun at all, i dressed like this , some kind of branded jacket, some kind of bright , you know, a shirt with flowers, something like a bright tie , well... what, listen, guys, in short, let’s do it the boy way, here’s, in short, 5 tons of bucks, yes, do it in a civilized way, so that there’s a black suit, so that he’s civilized like tsevilnakh, so that okay, he drove off in the wrong thing, he’s right in general, but in general he didn’t wear that, as much as possible, he drove off in the wrong thing, seryozha drove off in the wrong thing, but like this, well okay, but as if these guys left, his dudes arrive, i don’t know what they called dudes in the nineties, of course, well , they come like all convertibles, all so wow in style, all like this, listen to the boys , these are what the boys say at our photo shoot vadik our vladik conditionally took away

think about it at a photo shoot at a photo shoot and what did they take a photo of? he was some kind of magazine. they took a photo of him in a black suit, all like that, well, not our kind at all, we like to do something brightly, something so bright, a suit he had a shirt this was such a bright little dog, here you are, you chipped in , here you are, here you are, 10 thousand dollars, here you are, let’s do something, okay , the two of them are leaving in the tolganats, standing with tea , but today is a lucky day, but there’s business here... then gods change everything, threw it that's it, i also really like that there are such jokes constructed when circumstances are needed for the story, that is, like the stalkers arrived here, then they arrived and so everything coincided, that although leopold, you reminded me, you know how they can be and they are so kind jokes. in the nineties, when some kind of brother from his little daughter is sitting there, well, the mother

has gone somewhere and he wants to tell her a bedtime story, he’s also already fussing, wants to sleep, the daughter is already falling asleep, he says, well, then the bun jumped gelding and left his grandmother and grandfather and his daughter’s father, but the bun didn’t have any handles or... he had a knife and what was he like in general and what did he manage then, i don’t remember some bank, but i can’t i’m trying right now and i can’t.

poured the damn thing in general just drank it once just hooked on a new worm bang bites one after another such such such the tank is already full filled with fish of all kinds of bream some pike took the perch on the worm there actually thinks damn that damn he drank it’s working and how about toasting himself said burying yes and this one hears somebody closer to the cage hears and there are fish among themselves. talking or pikes says , oh well, this crucian carp just nardel pours them out , they release old ones like that, you know, or i recently read a joke about fishing, too , when about the winter now , these people are still sitting here, who already have water , you know, they can’t see the ice anymore that's how it is now, that's how i saw the boers

now, well, someone knows such old believers there, those who are there you know old school. and lamp ones, and his joke about winter fishing too, that the guy means his alarm clock went off at 4:00 in the morning, he wakes up very carefully so that his wife would be covered by a sneeze, quietly sneak in, take this whole box with him, all this whole cold shit, something clinked there they all got dressed there, damn it, he got warmed up with a bottle over there at the post and goes out into the street, and there the weather is icy... you just can’t step anywhere, it’s just freezing rain, he just can’t even take two steps, or something like that is pouring down water from the sky and then there are vapors from the wind this hat, this musha, this and he thinks, damn it, why the hell with it anyway, well, that is, well, if not today, i’ll go tomorrow, since i came back, quietly undressed, goes to bed, hugs my wife and says, it’s so disgusting on the street the weather, she and my

moron went fishing, you'll miss me, well, don't forget your hat, it 's cold there, goodbye, thank you very much, everything was very tasty, good luck, come on , that's it, come on, bye, see you communications, well, we inspected the attics, the roofs, everything is clean, the owner of the dachshund says that she has no conflicts it was, no one... that they were tired of dumplings, missed poplov, and in our yard on sunday on the first, and you know how we met, we had a train in the sloping stations, well, i was there while i was collecting bed linen , he falls into a hollow, drunk, can’t stand,

he looks at me with his eyes, let’s go to tashkent, let’s go to tashkent, i say, men, what a tashkent, we’re at the kiev station. how to choose the right sunglasses and what threats the bright summer sun poses to our eyes, about this and much more in the program to live healthy, in monday on the first, your favorite short one or the funniest one in your opinion, if you know a lot of them, for example, i ’ll tell you one now and when the woman says the doctor, i have this pain too and then he says: undress now let’s see, he says , where should i put my clothes, and on my luggage, two cyclops, two, that’s how the cyclops became the heroes of jokes, are they some kind of giants? they made soup out of them and they eat them, are you kidding me or are you making this up, yes

no, and the anecdote says something to the other what the hell isn’t funny, it’s amazing that cyclops cyclops, by the way, clowns are a very common hero of jokes, all these ones there, well, in general, jokes about the circus are quite common, in particular , there are jokes about clowns, but somehow they are. crossed paths, it’s impossible for cheburashka to meet chapaev somewhere, you know, it really must be something like a funnel, some kind of crater holes, you know, the two formed some kind of parallel universe, where does cheburashka come from, well, this is also a person corresponding, but there is a wonderful joke about the circus, now yes, the circus is ordinary performance, well, just a performance, performance, he says, dear friends, dear ladies and gentlemen, now hippopotamuses will appear on this stage. they will fly, everyone says, they come out, but what can’t be, what kind of hippopotamuses, maybe i heard them, hippopotamuses come out, take off, start flying, hippopotamuses fly, everyone is in shock,

a little boy sits and looks like that, a hippopotamus flies up to him and says, us here they beat me like that, well, yes, there in another, i think everyone understood, here again, and then everyone

is in shock at dinner and they mean they eat it, they poured it there back and forth slurping slurping slurping here once additives like both t... first of all, this is a piece of meat that was so splashy in the borscht, it even got a little wet like that and he just wanted to be indignant, this is a piece on a spoon once and a whole time starts to chew, starts to choke and clap, clap, the son-in-law says, the son-in-law cut off the spoon, put it down, well , he’s angry, angry, so they’re all like that, but now there are others too, now about those...

there’s less humor, because everything but somehow everything changed for the better , those evil people there stopped being evil, roughly speaking, some people there - well, they stopped being kakimita, they began to agree with

each other so that there would be no... conflict, that’s all, you know, what’s strange, that’s what we came to, this is me now in i keep it in my head that lately few heroes and anecdotes have been appearing, because the world is becoming, as it were, or rather, the heroes are becoming better, mother-in-laws have become kinder and go somewhere, yes, that is, well, it ’s like, there’s less fishing, like if all people drank, there would be much less more cyclops, much less, you know, cheburashka he’s already very bright, charismatic, kind, and he doesn’t need any additional training. popularity in jokes, so in principle, think like this, at least in some parallel world everything is very, very good, that is, god forbid that this happens in our present world, but let’s sum up our program, we figured it out, it seems to me, at least tried a little with our characters, dear friends, this was another episode of the anecdote podcast on channel one, watch us, come up with jokes, send them to us, in general, let's somehow be positive from... to

to what is happening in our world in the virtual world, where there are cheburashkas, where there are chipaevs and, yes, good kind mothers-in-law, all the best, until we meet again, i’m vadim golygin, i say goodbye to you, this is an anecdotes podcast, the first channel, bye ! hello, this is the easy money podcast and i am its host, mikhail khanov, today we are figuring out how to properly distribute, manage, and even better, increase the family budget, financial consultant alexey rodin helps us figure it out. hello, alexey, hello, mikhail. i deliberately did not use the word create, because as i understand it, the budget is always there, regardless of whether we want it, whether we manage it, increase it,

control it, the budget is always there, what? this is a plan for spending money, which takes into account both income and expenses, that is, this is what relates to money, to our income, to our expenses, this is the budget, everything, any expenses in general, yes, of course, this concerns the family, which concerns either a family, or a specific person, depending on whose budget, so we went for coffee on the weekend, we stopped by on the way walking in the park, it’s in the budget, it’s in the budget, of course, it’s an expense, it can be included in the budget, isn’t it true, based on your experience. that there is not, let’s say, a controlled family budget, and really little, if the family devotes time to vision, this affects family relationships, of course, in order to achieve something, there financially , you need to manage finances, but we don’t we can manage what we don’t control, so of course we need to start with the budget, and about the seven, by the way, you may have heard, in second place according to the results of the federal budget?

research, the second reason for divorce is financial problems and financial problems in russia, and financial problems arise due to the fact that we don’t have to, we don’t have enough money, we have it, we can simply manage it incorrectly, in fact, financial problems don’t happen only those who have a small salary, of course, the rich cry even more, it’s just that the rich spend more, they need to be monitored in the same way as those who have small, small incomes. in some ways , the personal budget differs from the family budget in principles, there, for example, a certain young a person or a girl lived, did not bother themselves, having watched enough of the right programs, having watched our podcast, among other things, they decided to introduce a personal budget, managed it perfectly, filled out the signs, now we will talk about this topic more about this, then a family happened, but a young man was found or there’s a girl in the case

of a guy, then there’s more... the question is that some additional goals will appear here, well, there’s training a child, giving him an education there, creating a pension, by the way, pensions, creating a pension, one individual person has a goal, there some other family goals, taking into account the goals, we build a budget, because we need money to achieve these... but globally, everything is the same, we take into account expenses, understand how much we spend, plan for these future expenses, and distribute our income according to these plans, there is one small nuance here, don’t forget, friends, when you are planning the next year’s budget , be sure to increase expenses according to the rate of inflation, it happens that people forget to do this, and then oh , and how is it, here in february i started spending more than before,

of course, because inflation, after all, is a horizon... there is such a joke: how to start investing,

start, you know, it’s the same as how to properly manage a budget, that is, in this case i’ll paraphrase, you can say that in order to properly manage a budget, you need to start recording all expenses, all income, if you from... initially did not create a grading by category, there are periodic expenses, constant expenses, random expenses, potential expenses, then you, once you start keeping these records, you will somehow you will understand the categories, and what should be entered where, in the end, for our audience, in every banking application the bank itself helps us break down your expenses, you can start with what the bank offers you... the bank in the banking application, which we all we use it, and there are already these initial ones, they are definitely not good, not bad, they are as they are, and then you customize them for yourself. let’s look at this question and what mistakes you, as an experienced financial advisor, encounter in

your practice among those who are just starting out or he even constantly tells what classic , typical and atypical mistakes happen when introducing a budget, the most important mistake is not understanding why you are doing this, you need to answer this question for yourself, why? and this could be setting goals, that is, setting goals in order to understand that i’m going towards it and i need to control money, it could be some kind of psychological motivation, that is, we need to understand why, when we have an answer to this question , we understand, our brain understands that we are doing the right thing, and accordingly, we take money into account, everything works out for us, this is the most important mistake of non-fasting. exercise: you need to describe yourself at 100 years old, it’s better to have a birthday at 100 years old, now you

have turned 100 years old, you describe where you live, what you do, who congratulated you, what you drive, how many children and grandchildren you have , great-grandchildren, what kind of education did they receive, what did they do? are engaged, that is, as fully as possible, i do this exercise about once every 3 years, here it is important to describe yourself, then you will understand what is for you, what you need in general, you will understand what you have goals, like when you look at this description and just rewrite them, you will see, here i am striving for this, for example, i need money to buy some kind of house that i described, i need such and such income in order to get this passive income in the future, you need to create capital, well, these are mathematical calculations. there are many calculators on the internet where you can calculate how much capital is needed for a certain passive income, so you have set goals, that’s it, you see what is important to you, you know, it very often happens that we we don’t set goals that are specifically important to us, we focus on advertising, on

social networks, on some millionaire bloggers who drive good cars, we need to find what is important to us, let’s take a more realistic one age, let's take 70 years, because in ours. our period you find everything quite in a cheerful state of mind, at the same time it’s a really distant goal to have time to save up for everything, let’s take our dear audience, let’s take 70 years, describe your day at 70 years old, yes, because you still cheerful and cheerful, the blood in your veins is still boiling, believe me, and you want a lot, and there is an opportunity to enjoy what you have already achieved and even set goals for the future with what you have not yet achieved, how to distinguish -

and nothing it turns out that we need to sit down and discuss what values ​​the family has, who looks at how they look at loans, savings, spending, what kind of budget we have, separate or joint, all this needs to be discussed, well, i can share this with our audience regarding how to determine what is not yours, i am with all my children i do this exercise, very simple, before going to bed... you can always, you can always understand what kind of mood you are in,

good or bad, well, there is some kind of emotion, either positive or negative, there is always some the event, the trigger that caused this emotion, but if you are sad, you are not just sad, you are specifically today, yes you are sad there, or it started raining, you think, well, that’s it, it’s also raining, or your heel broke , or sprained a finger, so you for yourself... every time you identify this emotion, from what it is areas, and you, having carried out such work for a period of time, i tell the children, after a month, after a month , at least segments begin to repeat, and you determine for yourself what is important to you, relationships with the outside world, being in harmony with yourself, with health and so on and so forth, this is a simple exercise that will help determine the truth of your goals, as for the situation with conversations, i always say this, you know: it’s like in business, feedback, that is, you should always

strive to receive feedback, yes, yes, yes, from your wife, from your children, no matter how funny it sounds, i assure you, you learn a lot about yourself, you even think, well, what can my wife say to me when she doesn’t work, sits at home, there’s either my mother-in-law or my mother, who there , in general, we consider them dinosaurs, yes, try it, this is what we are talking about, about the need to talk and agree, so tell me, dear, here... from your point of view, in what ways am i inadequate? , i assure you, yes, here you are, too, faced with this, it will throw up so many questions. so, errors when when budgeting, number one is the lack of goals and motivation. we figured it out. further. second, we are talking about planning a budget for the future. the mistake here is not taking inflation into account. great. wrote it down briefly and clearly. always take inflation into account. but here the period is a year, yes, i think we take it there. well, yes, when we draw up the next year’s budget,

we outline it, then increase expenses by the amount of inflation, the average inflation in rubles is 8%, the average annual, well, you can take it into account, 7-8, or even 10, so that it’s enough, like they say, or is it still better to stick to eight here, that’s the question, eight or 10, i don’t mean from the point of view of whether to make a reserve here or not, everyone has such a concept as personal inflation, few people do counts if one. for example , it is purchased there in a store near the house, and another in some premium grocery store, everyone’s baskets are different, of course, of course, of course, here it is necessary, here you can calculate your inflation and take it into account, everyone must understand this issue themselves , great advice, yes, the next thing is to find a way of budgeting, accounting for income expenses, the one that is suitable, what a mistake, that is, you chose not yours, not yours,

we are discussing the family budget, how to start maintaining it, how to properly earn money by maintaining a family budget additional money into the same budget. well, okay, that’s how it is, i know that you have a slide, what a simplified budget table looks like, here it is, so you see, here we have income, everything is taken into account, salaries, some dividends, may be so then you see the costs. these are food,

medicine, i don’t know, maybe car maintenance is included here, gasoline, there are large purchases, that is, once a month, at the beginning of the month the family sits down, it’s the family, by the way, that’s also a question right away, do they both manage the budget or all yes, including children, or one person, delegated rights to someone, as in practice, mikhail, but here... as you agree, there are simply several ways of managing a budget: there is a common one, a joint one, when all the money is simply thrown into one the boiler and from there is wasted. there is, when it is mixed, when everyone earns their own, they chip in little by little, they have some kind of, that is, a common part, each has their own, then there is a separate one, well, a separate part is rarely found in our country, this is more of a western model, when everyone is responsible only for themselves, only for themselves, we need to agree so that everyone is comfortable, for example, maybe,

you know, if we are talking about relationships to finances in the family, there may be an authoritarian regime when one earns money, it doesn’t matter whether it’s a man or a woman, now we won’t divide by general, because... now there are already women who earn money, and men sit at home on the contrary, here is one who earns money and he has his paw on everything, he controls everything, he doesn’t let anyone step aside, and if this is normal for the other half, if it suits you, then the family will live wonderfully, yes, there is such a famous meme, a couple sits and a psychologist asks the man, do you think that your wife is a dominant woman over you, that is, no, he doesn’t think so, something like this could happen here...

we talked about the topic of inflation, i’m fixing it especially for our audience, that there is inflation, which is prepared by rosstat, and as a rule, these figures, which we touch on the topic of inflation on almost every program, as a rule, these figures reflect the average temperature in the hospital, but they are accurate,

because if you take large numbers, yes, big data, that is, everything, the entire population of our country is an average basket, but according to it it will be... look, of course, if you take a short period of time and compare, then there will be a big spread, it’s better to take a look, how much was spent in this year year and how much in the past, this will be personal inflation, that is, this exercise, when i forecast, adding inflation to my budget in the amount of my own

basket, it makes sense for a period there, i think that at least, starting from 3 years , yes, when you started, you already decided on your basket and categories. i would say that it’s probably even correct to count inflation for each category of your spending, i wouldn’t, honestly, i’m not that meticulous, here i am in large strokes, i have stupidly add 10%, i add 8%, and approximately that’s all for me, it all works out plus or minus, if yes, by the way, we ’re talking about mistakes in the process with you, there’s also a mistake, for example, if a person starts spending more, he doesn’t no, he just accepts it as a given, and here... do this: if you see that you are more than 5% out of your plan, yes, well, about 5%, then you must definitely find out the reason, sit down and analyze what it is, maybe you jumped too much , prices have jumped, or maybe something has changed in your life, or maybe maybe you've lost control because really, really we...