dmitry malikov and elena kipper, thank you very much for coming to us. thank you very much friends. dear viewers, we are on the first night with you and this is mikhail khanov and the easy money podcast. today my guest is a wonderful woman, evgeniya blovovka , director of the national center for financial literacy. and what is especially important, the author of the book is children and money or money and children. we will definitely talk about this topic and about this book too. hello eugene, hello michael today we wanted to talk about a very seemingly ordinary simple topic like e financial habits financial literacy. i call it financial hygiene. yes,

this term was born unexpectedly. here, when we wash our faces every morning, we brush our teeth, we put ourselves in order. here, in principle, the same thing needs to be done with money and knowing our compatriots. you know, as a russian person, he always puts everything off until monday. yes on monday, finally months on the beginning of the next month. even better than the start of the year. here and here. hey, here's a very simple recipe. yes, i want the first there, so you write down when to start, when to start acquiring valuable habits the answer is very simple. write it down. start right now and you and i will start right now. and eugene, you know, everyone says that the most important thing in financial habits is right, to become rich successful and so on. you need to start with the simplest way to keep track of money. you agree with this michael , i absolutely agree with you that it is important to start. this is a key shop that sounded, so it was kind of like starting a budget. this is what, this is a program is a record.

we are making a table in excel, there are some special applications, or we just take a notebook in the old fashioned way and write it down culturally. yes, here's the line everyone wants some kind of magical application that she will calculate and say how much and how, but in fact there is a very simple recommendation here. yes, it is to choose what is convenient for a person, because if we choose what is inconvenient for us in the form of an application that we still need to master ourselves, then we will not lead it. here, and our goal is to keep a budget, therefore, if we it’s more convenient to keep the old-fashioned way in a notebook, then this is a great way to enter a budget for what we write. here. uh, we write toothpaste. uh, tv, refrigerator, trip gift to his wife on march 8th. here we write, what are the categories that we can influence with you. and here is the degree of detail, now i will explain, yes, which, well, that is subject to our influence, for example, and we will write everything down. now we are taking. so look, for example, and we write down the category products. yes, but the products consist of

different categories. yes, there are products which we buy, and here is food, for example, there is street food or some kind of food, which may not be very useful. well, outside the home , for example, yes or some kind of john food, yes , which we seem to disapprove of, well , nevertheless, it also happens to be found in our budget. for example, it's already three different categories there, yes. well, we're recording the fact. let's write it down. we write down why we compose in order to understand and how our wallet behaves. that's where they are our habits, yes, that is, where our money goes. well, actually, we are for this and we draw up a budget in order to further carry out some operations to optimize the concept, which we can, for example, refuse. yes, in order to free yourself up to save some resources in the family budget, so here, well , we set categories such as what we consider important you can take on the internet in order to again take the first step was to take. it's just to take a list of the most classic typical, as it were, expense items and build on it and maybe

adapt it a little for yourself, so that it would be more convenient for you to work with it. you yourself understand. you just write down all your expenses, everything in general, and even here you left 50 or 30 rubles. for tea at the gas station. write them down too, and then in the evening try to classify it, and you will automatically form blocks of the so-called moreover. and if you want to get there already. yes, you will probably already differentiate the higher levels, that is, divide them into channels. did you buy it online? either you ordered it with delivery or you went to the store yourself, this is already the highest degree of aerobatics. to start. i understand that we are we write down all the expenses in the back, like a star, and then we sort them into big, uh, categories. don't be afraid to name the category the wrong way. here's one more time. yes, don't try to get hurt. here's how you like it. quite right. so they started recording and began to conduct. eh, what is called to take into account? at least everything we spend, but on the other hand, and income well, here, probably what

is called, there are no special frills. yes, you know , sometimes it’s worth it, because, well, as if everyone knows, it seems, as it were, it seems obvious that we understand everything about this article. yes, well, how everything is obvious, but nevertheless, even if we wrote down and understood, when we considered all the expenses that they do not meet, they do not coincide, then this is another reason to think and look for some additional sources of income. yes, and it often happens when a person writes down and begins to remember, what aha. and there is another example. well, i don't know the interest on deposits. they come to me. yes, either the cashback is returned or something else, for example, some ideas, of course, but this is also returned. yes, eugene here is still such a moment that after analyzing the source of income. i think, that viewers, well, anyone who will do it will be much easier to understand. and where does he spend his energy, when, for example, you realize that 20% of your income or 30. spend

80% of your time. you will finally ask yourself a question. why am i doing this at all and shouldn't i focus on what really brings money? here, dear viewers. you will simply be surprised at times how much we spend a lot of time on things that bring us little money, and here it is important to understand why we are doing this, or we gives pleasure, or it makes us rich or happy. that is, that's what , well, figured it out, then, and the second right? what do we say next, that is, we reach another small small mark. this is such an interesting topic, they touched on it, yes, rarely, who looks at it like that. yes, how much we really spend in order to earn the money that we have, by the way, and here it is important to take into account, not only there, i don’t know the amount of working time, because here we have expenses related to getting to work to getting dressed for work, she keep herself up to date some kind of mental composition in order for it to work, so if you count it all. and if you count the alternative costs, for example, because i'm for it.

i can’t pick up the child on time in the garden and i need, for example, to hire a nanny for this, yes or something else, this will be the correct math, the rules were written down, we did an audit and we keep a strict budget for expenses and income, and then useful financial habits. habit number two. uh-huh habit number two, say no to unwanted spending. yes, we will decide for ourselves, just us our first exercise will help with this. yes, that is, when we record all our expenses, we understand where our money is going. yes and we can see called homeless spending. this is money that decides to spend itself, and we participate in it only emotionally, so it turns out, yes, this happens very often with this. and how to deal with it is, you know the rules of such a hot head and a cold head. here we need a state of a cool head, when we are calm, when we are not in the power of emotions. let's not be you have to make a decision for yourself. how do we state hot. eh? go around these

very traps and not get caught by you, yes, that's what i mean. well, for example, i don’t know, but on the way to work you always meet, uh , i don’t know, with a cafe where it smells so tempting of buns that you will inevitably buy this bun and more coffee and chocolate for it upstairs. yes, that's enough , if suddenly, when you did the work on point one, but with your expenses and realized that, well, it would be nice to limit yourself to these buns, at least yes, maybe, somehow, in a day. for example, i have a rule never to go to the grocery store hungry. here you come hungry and you literally need it there. i don’t know where i went for bread, what is called as a result a cart for several thousand rubles, and it seems to you that this is necessary and this is necessary and this is necessary. this. just compare and go shopping sometime after a hearty meal. you will look at all this and think, why? yes , there are things and everything. yes, that's what it's called identified. but how

to turn thoughtless spending into a thoughtful one? and in general, maybe getting rid of them is a good way that works. yes, it’s to postpone the purchase , give yourself time to think, but you need it or need it, but i can see it right, yes, and how to tell myself and now i don’t allow myself 24 hours a day. you can even set it aside often in the store. you can ask for this item. let's stop. maybe, on the contrary, it will bring us again. so i would say, probably, so that if he buys, well, let them buy, then it does not matter. so not mine absolutely right. let's take this as a rule. so postponed, which is another interesting way. yes, this is to freeze your bank card right here in the literal sense of freezing. especially. if you are passionate about internation. shopping, for example, give in to all sorts of provocations. yes, of course, great and so on. yes, then you freeze it and thus for now. you'll freeze it there, and you'll be able to eat and use it, and so on , some time will pass. you give yourself time

to think. but it won't work. so i behold know how here i am literally in my smoking and wait. now the day will end and attention to the start. march rushed with double just as you get out of this hot state. yes , it does help. yes, that is, it is proved by behavioral economists that it takes you out of this state, when there is music acting on you and this thirst to miss the knives, here, there and so on. you come to a state of perfectly calm rational mind. and already from this you think. do i really need it? so does she really need me to write this favorably. uh, rule number two learning to say no to homeless spending. through a pause is just temporary, the second. if it doesn't help you, you can't bear it. uh, freeze the cards, freeze the card for one day, good story. you know, to make such a friend who is such a very model of rationality and call us. yes, when you feel that you are captured by a hot state. can you call seek? now i'm going to buy a sweater. so he asks you a couple. questions that help

you get out of this hot state too reminds me of two motels or asks you, yes, additionally about some of your planned things that get you out of this hot state, a very good way and a person, how would he implement himself in this kind of life hacks or ways. how to deal with a shopkeeper, like this, but, you know, how there is such an anecdote i bought curtains for the kitchen for my husband's birthday. stunned here this breathe you know, uh. now, we will now move on not to persuade ourselves that this is necessary? how not to persuade yourself that it should be so, yes, but we will now move on to the next point is having a plan. here's the plan. it just allows us to determine yes, and what is important for us what do we want to spend money on? yes, there are short-term averages, urgently, and so on, and set up these conditions for yourself. again. this is from uh, so point number three, you write it down. i hope, and after us write down point number three on a piece of paper on

a napkin. it is to follow the financial plan. well in order to follow it you first need to create what is a financial plan in the context of good financial habits. this what, we determine how much we can spend on each category per month, for example, or what, it will already be this close to the budget, but nonetheless. let's start simple. for what period do we draw up a financial plan. you know, there are no hard and fast rules, actually, i mean, you can make it for life. and you can do on average for about 3-5 years. here in russia they make plans, it was true. well, then you have an operational plan, which is for a year, but within the framework. we live at such a speed and now the time is such that let's do something. well, let's just say strategically. let it be a year, and tactically let it be a month. let's start simple. yes, let's cut. there, what is called pieces. yes? let's start, that is, we determine for a month correctly, i understand, we determine for a month for everything. the categories of the first

item that we spend on , we analyzed them there for a couple of weeks and we say okay? here, now we live a month. so i can do it in a month, who doesn't deal with the month. break it down into a week. yes, we can spend. so much money, that 's all. you can spend the entire amount for the first week. well then excuse me, when e 3 weeks we will suck our paws like a bear, the main thing is to endure yes, the popular method was, in my opinion, i don’t if i’m not mistaken, it was somehow called a meter of three envelopes too, yes, when it was recommended here, well , divide the money there into there, relatively speaking, spending there, and the current ones into spending on savings for something else. here's the same thing you can do with spending that you categorize there by food to entertainment there. yes, i don’t know for some children’s, for example, money for something else is basic for you and it’s very convenient here, because you see when it comes to an end. now the same can be done in banking applications. yes, that is, well, now all the activities. cards and you can also set up

these categories of expenses and assign a final amount for each item is also enough. well, now, i’ll start a banking application and then i’ll definitely start. you don't have to do this. get started. start with paper. on a piece of paper, too, you can calculate everything as an assistant to keep your head in a cool state. this is because you can see where the limit is already. here it creeps up to the very end. yes, and where it will fit the finale. you know how to escape from this, so you look at the plan and then you know how the diet or glotov is. here you hold the girls, break down and eat a plate of pasta there with meat. see any. where is it? that is, like here. are you looking at what you think? ay, okay, here, well, with the following, here's what to say to yourself in this a moment so as not to fall off. well, first of all, never tighten the screws. so much you know there 100% so that everything is creaking , everything from tomorrow sits on bread and water and that’s it. and it just doesn’t work like that. as if as soon as we drive ourselves into this

state. of course, a breakdown will follow immediately. well, how would it be impossible to do. this is just about unhealthy financial habits. how not to do it. here 's a little bit to do. yes, that is, here we have determined the expenses have been determined with you, well, let's say, if we decided with you save and save a little , yes, i don’t know how to move, respectively, by 10% of those articles from which we consider it possible, we put ourselves in the plan for the next month. so that we have them reduced by interest. and this is where we live. here is the game. we need to live this month in such a way that, yes, you know, here i uh, i remembered how we were all in childhood, uh, everyone probably had a piggy bank. everyone had, well, in my childhood there was a bottle of champagne and they collected 10 kopeck coins. here's going by the way, there are about 300 rubles. 250. here, in fact, the rules work here , such as praising yourself for small successes. you know how they pick berries, you know how they learn to pick berries in the villages. that is, when you put it in a big basket. you don’t

see it, you pick raspberries there, and you eat it soul, if he eats there small, and start with a small cod. so what am i talking about? praise yourself after a week. you just tell yourself. i'm done. i'm done. i did it. you know, how proud of yourself , proud of yourself that you are already leading a plan day already 2 days already weeks and you probably will. well, it's scary, yes, you think to jump off there, that's why you support you again? this is not a life hack, but just emotionally brag about your achievement and maybe some kind of prize and do it next month. if, let's say, i survived for a month, i'm on some kind of section, which is closest to me, from which i suffer. i increase by 10%, say, only for one month. yes, they recorded, yes, and you can also know the trackers. yes, that is to visualize this picture of success. here you go, when you celebrate, i completed the plan. yes, so much has been delayed. i've put off so much, that is, praise yourself. different ways

of self-support are so great. yes, you need to praise yourself well, be sure to be small. tell the children what the children and i have also said to you. children are so very important, like participants in this process, because not only will they not let you jump off. they will ask, they will be interested in you is happening, the more you feel ashamed in front of them. if you break. and if it is also your child, to whom you seem to be setting an example of future financial behavior. yes, you pass on your health, that is, if the children say, like, give up this idea better, what kind of toys are we and everything will be fine. this is already a subject for dialogue. and it's important very much this is the question there, how to approach financial education. yes, many parents do. now it's a matter of concern, yes. and here, well, as it were, there are actually a lot of opportunities here, but it's important to start with this dialogue. that is, when you children arises this you know such a request for money, here or there this is what i want to buy

appears yes, such a peremptory one. it is also a financial habit to educate your children. from what age is it necessary, and on average, somewhere from 6-7 years. here, well, in russia it is already considered so normal for children often at this age, just these ones arise, i want to pay off money on their own. there, in a store at school, in general , to have this money in order to make some kind of choice on your own there, yes, what to spend it on and so on, but a little later, somewhere in the years there at 11:00. well , such a thirst begins even to earn money for people, and this should also be encouraged. that is, we are accustoming ourselves, as well as the child, to the fact that they earn money by working hard. yes, it is important to be able to count this money correctly. yes, just like that, well, what we are considering there, but using the example of the budget plan for something you will spend so that she goes to bite her pockets, yes of course everyone has heard the notorious airbag, what is an airbag financial airbag

- this is a small supply of financial resources that allow the family, well, to feel stable. yes, in unstable times. yes, let's see how much exactly to hang in grams experts agree that from two to six months. uh, monthly family expenses. this is such an average normal, and the volume of the financial safety cushion here also coincides with my feeling. i usually say six to a year. here from 6 months to 12:00, and uh, take it. here, i always say, we do not take average months. there, january, we do not take. march where there is the eighth of march, we do not take september, where there is the first of september. we take there some april a little yes, april, there is october yes, we counted, we counted all the expenses in general. yes, i understand correctly that we just take the point. our first plan is to take this amount, where we rest. well, the best. and we can't get it easily, because otherwise our financial

safety cushion. will be subject to all the time raid in a bank, for example, in a bank on deposit. where else can we get a percentage, for example, well, in a cell it’s quite somehow very conservative, but in principle, if it lies in a bank, you can already donate interest to yourself and withdraw it. if anything, let's second question the second question. yes, 6 months is the minimum. that is uh, friends 6 months is a waste of your family let's say those people for whom you are responsible finances. that is, for that is, for whom you are responsible. here are the expenses of this group, yes, and they postponed 6 months. what can you spend on airbag, well, financial security, as the name suggests , respectively, but for what it can usually come in handy there are some difficulties, for example, with work, right? well, a person was fired, he needs time to find a suitable job for himself and not to situations when you are forced to agree to any first thing that comes across, or a family, well,

you could even survive. yes financially. you have an airbag of financial security. can you insure this one? well, of course, you, well , of course, of course, you can somehow, so that stretch this period, for example, longer. yes, but at this time you can search, as if for yourself, respectively, of course, but this is such a safety net for such cases. if suddenly there are some, well, they see the events there, i don’t know, but there is harm to property. yes, there or there something arises with health. yes, that is, these are also such moments that use medicine here, we definitely consider, of course, just in case here, maybe some kind of alternative risk insurance, for example, yes there just in case there the occurrence of critical illnesses, for example, now it is also one of the tools to protect the financial interests of the family. here, well, someone can use a financial safety cushion for this, who, well, does not love and for some internal reasons, for example, do not use insurance tools. how to start collecting e? mm , an airbag for those who spend a month at zero, it would be even better to borrow, but there is no

one. and now we almost barely converge, yes, god forbid, not in a minus, but in a plus. how about trying to start postponing? this pillow is the most safety. and how to start? and let a little and start yourself. yes , this is also a very important rule, because today our budgets often behave quite well. yes, you gave up on buns at the beginning of the month. i immediately made a contribution, for example, to the airbag itself, and you have already done it. yes, the first step to this budget. adapts. yes, you will have to deny yourself a bun somewhere, and somewhere in excess coffee, but nevertheless, there is already an important first step. yes, because you know the financial cushion of financial security. she such is also about the paving of stability itself. that is, it is true, it is very important, because according to the data there is research. yes, financial stress. it affects a person very strongly, financial stress is very strong. it's just this feeling. there is already a lot of its division in our life now. well, at least be sure that you are able

to take care. that's about the basic interests of his family. yes, protecting them is very important for the psychological comfort of a person, therefore, well, have a financial security cushion this is one of those good habits. and here is such a basic rule of financial hygiene. you know, you said it just now, i remembered. e. well, actually. i don't remember the quote myself. she is. uh, like an epigraph to the strugatskys it's hard to be god, and there, uh, the quote sounds like this from hemingway uh. i ask you to pay attention to the fact, i am not quoting verbatim now, that when performing tasks you will have a weapon with you to raise your authority, but you cannot use it under any circumstances. you understood me under no circumstances. this is what you really need to remember. uh, i thought the simplest thing was an airbag. that's why she's a pillow. although it is soft, but it is a safety and you can not use it under any circumstances. you are delaying until the last moment at this moment so that

it does not work out, as you know, here, but i want to buy a blouse. there is no longer a gift. it's true. here, remember. here is the rule that you have to accept. here is a very important thing. they said it gives you confidence. so ah debts. surely there are useful ones. and what called financial habits, yes, which we are discussing. surely you have points, but if you sold debts, why not take debts? and if we took what we do with proteins , take not take, well, as it were, everyone decides for himself, well, loans are the same financial instrument as everyone else. yes, the question is. well , how justified is he? i we take if we think it's for the family. well, as it were , it multiplies our potential there. yes, i don’t know , it creates better conditions for our work there, i don’t know, but for productivity there some example. here, uh, what is really in my head in this uh, you know how they say credit helps a credit card will help you save money the only example that i tried myself. well, if

you play as strongly as possible for the expression of his opponent in this case of the bank, then let's say you are in a situation where you need a tool, let's say for work. yes, the same laptop or something else is sold on sale, the month will end and you will have e it will rise in price by 20 or 30% or will be released in next model. it will be more expensive and so on. and now you are spending credit money, let's say from a card or taking productivity. quite right. that is, here you are, that is, yes, that is, we borrow if it increases our e, our means of production let's call it that, and the means of production suit to consider the means of production suit allows us to get a better paying job, for example, yes to walk on it and bring home and there is more money, why not friends. we lend to friends. ah, somehow it is. we let's write it down. yes, we give friends on credit, but we definitely fix these obligations,

because friendship is good and important, yes, but financial obligations. these are financial obligations, a supporter of a marriage contract in general, because we take any financial obligations. we document. well, yes, and the topic of loans is endless, so you can dive here and the life hack is to conduct an audit, because now the conditions often change, as for the worse. so sometimes its better to aside. yes rates lowered, for example, of course, let's say, and we are doing the same thing, for example, with card tariffs, let's say yes, because it also happens in the same year. they were like that. yes, when we opened, for example, and the next time there is a favorable situation on the market, and they became cheaper, for example, simpler and tariffs for the phone there, yes, because often we don’t change them for years, yes, but in fact, if we let's say we switch to a new operator, we can often be offered more pleasant conditions, as if anything would have

significant financial benefits for us we monitor the situation, for example, enough. i think that it is not necessary to sit right there and monitor every day that it is not necessary to enter the market with your debts. yes, if we have in our financial habits, uh, the rules carefully read contracts carefully read the text and carefully read the conditions of everything when shopping at well, in general, well, rules are habits. no. here you heard, but for some reason. deliver yourself by reading all the papers saturated with the complexity of the requirements. why why our fellow citizens? why do russians so rarely read contracts, do they consider it shameful? yes, well, what will i consider there, you probably, yes , it seems, somehow i am an adult, there, i already have to figure everything out myself, there and so on. yes, it is often inconvenient to ask, often somehow you don’t want to strain at all. yes, that is, i'm not an expert in this. well, as it were, this is a bank specialist. well, let them

think, how, perhaps, they should take care of my financial interests and nothing bad. yes, don’t write to you, don’t be afraid to seem stupid, ask a lot of questions and really how do you answer these questions, maybe it will save you and stop you from taking this loan or signing these conditions. i don't know, it's just how i was taught. still at the institute. we were taught very well to ask. we all asked there part there in the best technical age of the country in the moscow part. we did not hesitate to ask about the three laws. newton who told us we were taught like this ask, because when i will put you three on the exam in physics. yes. you don't tell me that i don't tell you gave, named there is a wonderful story we have, well, there is an elite of actually russian technical youth there. there, with a competition of eighty places, and at the first lecture there is a winner of international olympiads. we have here for a year a crowded audience of lectures, a professor comes out, if with a calm look he begins to read newton's three laws and one of the walls of the team stands there. that year

, the soviet union became a team in physics, won first place in international physics. and he began to say that we are here such and such he says i know who sasha is. e question. what does he say, why are you reading to us that newton's law he says three newton's law sasha and he thinks that when i put you three in physics in the exam in the winter. you didn't tell me that i didn't read it to you. and this is me for the rest of my life. i'm never shy. you know, when i sit at some lecture, i'm smart in philosophy there, well, don't you know? what is this supertrubate or is there something else you don’t know something, i say. i don't know. here tell me please don't be shy, don't be shy to be stupid when you sign a contract, because then you won't be stupid when you're forced to do what you haven't read written down on the same topic. uh, insurance is generally a useful thing or not? that is, it is a cost. eh, as programmers say, is it a feature or a bug, right? that is, what is insurance, so i'm not a programmer, so they don't know the feature. is it like this? not not not some kind of

advantage, moisture is a mistake. i mean, that's insurance. is that a plus or a minus depends on insurance. and this is generally a plus. well, this is some kind of it, again, about the safety of the question. as if, yes, when you reasonably understand, and what risks are present in your life and so on, you protect them by insuring against everything in the world, including from the arrival of aliens. rather it is. that's how you said god is good, and to understand what risks do you have? well, as it were present. well , for example, my husband and i bought an apartment, right? we moved into a new house there, made a good repair. there were no residents around there yet, and we knew that repairs were definitely coming up there and so on, yes, and of course, we purchased insurance, because, as it were, yes, we understood that there was such a risk, it was useful to us. so it was a feature. you know many many. uh, our fellow citizens are so you know, like me, too, uh, they insure cars, they say hello hawal, nothing happened. i say, how can this really be, this is the mentality already.

yes, this is what we need to fight. uh, dear viewers, do not spare money for insurance in if you have determined that such risks, and possibly b, occur. yes, we don’t insure the car with you, but sometimes they insure and worry, we don’t have that same confidence. yes, that is, you don’t need to insure to write down, you don’t need to insure everything, but some of those risks that have already materialized. here they don’t work in any way since the projectile in one funnel does not even fall. if this happened, in fact, the likelihood that she is higher than those risks that are not realized, you know, we met. here at home are in the flood zone, and they happen regularly, and, as it were, people naturally incur colossal financial losses. that is , it is such a, well, directly serious stress for the financial budget. every time this happens, people say every time, people, that's the insurance cost there, i don't know, 3,000 rubles. for a year, please, insure yourself, as it were, and eliminate this risk for yourself. well, it doesn't happen. naturally, and there everyone is there for 5

years, when the rivers overflow there. yea people find themselves struggling financially most often they get out there by means of very expensive loans, which you have to take out very quickly at the moment. yes, i pay. again, there for well , bringing the property, the proper form, although there was a fast-traffic. yes, but here you know how, returning to emotional moments, how to praise yourself? i will say so rejoice that the insured event has not come, rejoice. compare even compensation. your material you will receive. compare with those emotions with those emotional spending your health with those physical stresses that you will experience, if an insured event occurs , this sum insured will not save you in any case. and the small amount that was built up, that is, it will happen. yes, i will lose my emotional and so on, but at least i haven’t lost materially, it’s great yevgeny let’s give it to you like that. well, i just counted, i counted 10, but useful financial rules, apart from what we

said about emotions, how to praise yourself, how to support yourself? how how to fulfill these rules some little one at all life hack. e your personal? yes, uh, share some experience. after all, you are also conducting a financial plan. here is something like this, which is imperceptible at first glance, but uh, let's say it would be useful to our viewers, like free advice, we want to use something already positive experience, especially specialists, as you know, probably the most positive impact on our finances there spouse. yes, it turned out that this is the involvement of the child, that is, when she was 6 years old, i was writing money in this book, children studied a lot of materials, and she was such a guinea pig for us. she lived all these moments on herself. there, related to education there, including yes, we actively involved her in the discussion of our plans. there's a budgeting vision for budgeting in finding ways. and how can the family save money there, yes, and i remember how she desperately drove me and my husband so that we

turned off the lights and turned off the water and so on. i mean, for her, it was a game sometimes. at home, you didn't have to call someone in the game. i buy a bone. no, mom, no. no, great wonderful. you know, it's interesting, there is also a lot of conflict among the children of their parents now. here, well, on the basis of finance there also arises. yes, pah-pah. this allowed us to bypass them, because we gradually increased as she grew up, as if she were, well, financially possible and a story about what to choose , for example, yes, that’s where what things she could buy from us did not arise a dispute because it was her right. what gifts to give, as if to friends, yes, that is, she also began to think about counting, to whom and so further i can say, involve children. yes, and i have four children. yeah, and i, when once and for all i decided for myself the problem of buying, buying, buying children are given pocket money. and when they say buy it. i say buy. you have a pocket day to buy. what are the problems? here you want to buy for 100 rubles.

buy this thing and you know how it works? no, it’s not necessary, and through yes, you don’t need it for your own, after 2 months it worked perfectly. life hack to involve children. and i'll tell you, such a small life hack rule. i actually i already spoke it today and we spoke it together, dear tv viewers. if you want to start enjoying healthy financial habits. get started right now. take the piece of paper that i hope you copied during our program. read it again and start at least drawing up a financial plan evgeny thank you very much for such an interesting conversation. let's just think about the fact that our program has helped a large number of people to find that same financial literacy the basics of it and start getting to acquire those very useful financial habits. thanks a lot. thank you.

climbing the mountains is a dream of every second inhabitant of the planet, when he sees snow-capped peaks, but people have been living there for hundreds of years, we go to visit, dagestan is a mountainous metropolis almost 7,000 people are engaged in animal husbandry, there is an ancient craft. it took over 3 years for this vase. the order is sold

at fairs, everything else is for life. quiet life may not descend from the mountains for years, hope, to be honest, calm. never liked it. this is the bustle of the city, as long as there is work, the village once lives here. the mountains of ossetia in the village of the upper course were also in full swing with life. here below , there were mines, everyone went to work. there are left in the mine. here, uh, three houses, only eight people live , now the village is more like an open-air museum . they offered me my childhood here. here i rarely went down only for sugar or medicinal to the store on the table there was always all its mountain climate. here i work with her here. and what kind of cabbage, like a head of cabbage, like a head? and

the taste, what kind of watering i do not need here. here the seedlings will take root, water everything. no need. this is love forever mountains, so they just don’t let go in altai, for example, vyacheslav kolesnikov and his family are generally alone in the mountains without neighbors, the hereditary beekeeper always tried to climb higher in the mountains in the apiary of his grandfathers. then my parents studied here, i moved with them and now my children and grandchildren are here well in the yard. winter. they crawl out on the street is basking in the sun, and we hung tinsel not only in honor of the new year, they should be afraid. of course, it’s beautiful, because on the street these christmas trees are beautiful mountains, all

covered with light snow, very painting and happy when you wake up every day and see such beauty and you don’t want to be sad. what a beautiful winter in kamchatka heaped so much snow. and if there is snow, a snowman will appear with eyes, berries, eyebrows, sticks, they also gave fish in their hands, who is it? this cat is a traditional symbol of kamchatka, the ethnic code translated from koryak means a thief, u our pudha is red fish, red fish, also considered the main symbol of kamchatka, we launch a flash mob. what will answer, murtia. sophia has many friends of the company , it is always more fun to sculpt, but there are more lumps than usual only when they painted it became clear a snowman on a motorcycle. she is female. and for some reason, at the last moment, they decided to change it. yes, well, it happened, therefore, we can

introduce you to our motorcyclist in the kirov park and how will the southerners in anapa answer you there is no snow, the sun, warms, students. pedal universities got out made snowmen from the sand weights turns out to please people. let's cheer up and sing songs. freeze call kaliningrad. they also have a lot of snow there. nikolai and elizaveta made bricklayers with branches. instead of hands, we got a couple in love, just like they symbolize our little family. this is kolya liza and the cat mia who was made of stones, what symbolizes the fortress of our family? and it doesn't matter who and why to sculpt a snowman is just an excuse to meet and have fun with the whole family.