as your own, because they are 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 really difficult to navigate this, because advertising, offers from banks, everything is presented as if, well, look, there are no problems, so you take out a credit card, and now you’ll have to choose the second and third for a year with this credit card , we spend it to zero every month, we extinguish it, that’s how to stop treating this money like existing resources, so i i say that this is the difficulty. only through some kind of awareness, watch our issue, read something about it , find out, maybe see how much you paid for the loan, this can be a cutting-edge moment, again a sign or some kind of note, you look, that i’ve been paying for this credit card for, say, 2 years, that’s how much i paid in interest, that’s how much i actually used, it’s useful, again, to write everything out very carefully, and to see the numbers, because many people, well, something’s missing the money fly from paycheck to bank.

well, i can say that i had such a period, at the beginning of the 2000s, there was a very serious crisis there, when i also lived with a very large credit card, there were very serious amounts, and i got out of the situation psychologically, i stopped relating, i 2 months, i told myself, i won’t touch it at all, i didn’t hand it over, because you never know, yes, indeed, there may be a situation, but for 2 months i’ve been refusing everything, some kind of extra spending , just didn’t touch it at all, in 2 months, not even in one, but in two, the understanding came that this was not my money, that this was money.

who doesn't love them? lyuba, lyuba, on friday on the first. 10 years ago, the dream of millions of crimeans came true; the peninsula was reunited with russia. i have been living in crimea since 1960, when we switched to russia, our poverty ended. our people really came, i have been living in this state of euphoria for 10 years now. the heart of crimea is open to everyone. people began to come to the peninsula. from all regions of russia,

the crimean bridge was completed and opened, built airport, roads, hospitals, kindergartens appeared in crimea, delight. i stopped seeing fields that are ownerless, that is, everything is involved, hello, my vines, they are alive, an absolutely incomprehensible phrase, what is our crimea, and what else, on the tenth anniversary of the reunification of crimea with... russia premiere of the documentary series on saturday on the first . the easy money podcast is with you, we are looking into 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 we we actually spend money and what is our real loan rate, it seemed to us that it was there somewhere, well, here we are. something small,

here she is opa and almost 40, we learned how to treat money on credit cards, this is very important, as not our own money, the bank’s money, at some point, i repeat again, a very useful exercise , 2 months alone is not enough, 2 months so that you know how to get rid of hiccups, yes, you need to hold out for two periods when you are having hiccups, then holding your breath, your diaphragm, well, can understand that it is not be sure to do it, so should you. two periods 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 will happen this separation, when you consolidate this in the second month, then god grant that you will be able to stop using it at all , at least for the period while we get out. the third step, the third step, is probably another option that can be done if the situation really already difficult, try it. to negotiate

with the bank about some kind of restructuring, this is when, suppose you have a loan for 3 years and a payment of 20 thousand rubles per month, which is completely unbearable for you now, but you can until... 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 you just need to reduce this credit card load, 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 the moment when everything, well, you say, well, there is no money, but... well, 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, collectors start calling you, first the bank’s collectors call, then the banks, as a rule, sell these contracts to microfinance organizations, so you probably know

the percentage for which banks sell their loan portfolios, for which the banks sell the best portfolios for which payments were made for 10%, yeah, of the amount, that’s itself. thanks to our government and the president , over the last 10 years a law has been adopted on the rights of those who pay debts and are fairly loyal to creditors.

this one and no one else, yes, they won’t appear, i have nothing to sell, and you will sell my debt for 10%. let you wait a little bit or there, if you say, let me buy it from you myself for 20, bank will not agree, otherwise everyone would have done so, yes, but then the next step, this is the next life hack, you can completely agree on this with microfinance organizations, because the microfinance organization bought this debt at the most expensive for 10%, and usually for five . you get two ends, it is clear that your economy is also built on what many do not give, but the main thing here is to get it from people, this is again a life hack, i just studied the legislation quite closely, the life hack is such that to achieve

from people papers with a stamp that yes, they completely consider the debt to be repaid for this amount there is 15%, but these are already extremes we are now considering and...

this is where here on this path stands the very budgeting that i think probably a treatment plan is better, but if you recognize credit as a disease, how to put your finances in order, improve them in such a way that you no longer have to take out loans, this is where it stands, when you already need to come to the budget to write down not just loans, but how much i i spend as much as i get well, probably, probably, if you fit in 3 percent in 30 percent, so returning to this rule.

maybe something unnecessary, to close part of it ahead of schedule, maybe remember some tax deductions not received, well, i don’t know, something else, i love all the free money, any opportunities, pay off the most expensive loan, thesis, you don’t need little spend, you need to earn more, he works here, he always works, but you also need to be able to manage your money, well, that is, let’s write down the third step, now we’re we sorted everything out with you and wrote down about our loans, about our obligations. “let ’s now write, no matter how boring and boring it sounds, let’s now write down all our

expenses, all our income, step by step, let’s find out where we can limit ourselves, where we spend a lot, i assure you, yes, we are not the first "when we talk to our guests about managing personal finances, about writing down all your expenses, you'll just be amazed at how much money you spend for nothing, when you look at all these records, why shouldn't it be a program." who, who thinks with you, yes, it’s all there somewhere on the tablet, on the phone, this is not it, you need to take a notebook and write it down with a pen, i think that now many people are looking at me, thinking, well, he’s sitting there there is a man talking, he feels good, but how to 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, and there’s some kind of magic pill, it’s about to arrive suddenly a wizard in a blue helicopter will repay all your loans for free, they will not repay.

there is free money, well, the simplest thing that happens, right now go to your mobile phone, look, maybe

you can refuse some subscriptions, don’t buy books for children, but borrow them from the library, i don’t know, run in the park for free , don’t pay for a fitness club while you have such a period of rubles, but all together a month can add up to one and a half to 200, and i don’t know, paying for phones for the whole family, or maybe some small payment on your credit card early this is the story. in the long run it gives you saving on interest, this is all important, i think this is not saving, even just paying attention to your money, being attentive to it, that is, you need to start by throwing out the trash from your old house, calling 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, completely putting things in order, and especially in numbers, come on?

maybe again, and you won’t wash off all your black blood, poet of russia, righteous blood. civilization premiere, film eight. russia, part two, on thursday, on the first. you can find and watch all episodes of the easy money podcast on the website of the first channel 1tv.ru. now for those who lead what is called a healthy lifestyle, and hold on, yes, and do not fall into a hole. here , loans, let’s say, are part of life, in what

cases should you take them, because i know. then for a current mortgage or a car , they calmly take out a loan if it ’s worth it, especially car loans, we had them programs from automakers at 5% and at 7%,

there are some other examples, in fact, a loan is just a financial instrument, of course good or bad, we make it ourselves. it’s really the bank’s money , a loan is still a fairly serious thing that needs to be treated thoughtfully, so initially i would suggest thinking that these are not emotions, this is not just now i’m in a bad mood, i’ll go spend it with my credit card, not like that, therefore, loans are evil -

as a rule, simply because it is a large amount, and people will think 100 times about it take, well, plus there is now a lot of information about this and somehow, well, such a well-known tool is already well-known, if the mortgage is thought out, if it is taken out consciously , if one’s capabilities are calculated, then this is a good loan, you live in an apartment, pay the bank, the payment will be made over time. well, it even depreciates, to use your own terms from your book , this is a smart loan, but we have a table with a gradation from smart to stupid loans, where the mortgage itself is in first place on the left as a smart loan, i would then explain, what what i mean smart and stupid, smart credit is money that really, first of all, it was really needed, this

purchase was really necessary and it led to some good ones. you need a car, that's true, someone will say , it depends, depends on whether it really is, yes, for me, a car, i can go to work faster, i don't know, i need to carry a child, maybe my parents are in the suburbs somewhere , or does this motivate me to earn more money, because there are people, well, you’re in vain saying that, it’s the same the most ball.

i wanted it, it’s so simple, the main thing is that it’s not a wish, it’s a conscious step, thoughtful and calculated, yes, there’s a consumer one, and there will be the same criterion, a conventional laptop can be a means of production, for example, for a person who works remotely, does some projects, maybe it ’s a graphic designer or a camera for a photographer, or it’s a trivial thing, your washing machine is broken, it ’s broken here now, you don’t have 20 thousand 30 thousand or whatever, and you them. it turns out, yes, yeah, this is an example when you really get exactly the means of production and solving problems, not very long ago, a few years ago, when i

urgently needed a laptop, the old one just broke down, and it was very expensive, we won’t be there name brands, advertise anyone on the air , and i have no hesitation, i just bought it with a credit card, realizing that there was still a discount, that is, i really didn’t make money, as you know, as everyone says, you can make money on credit cards, no, you can’t. you can't help but spend it extra money, because it was supposed to go up in price b it right now, i started using it in my work, and didn’t wait until i had this money, and i didn’t overpay anything, because i was in a grace period, yes, that is, once again i would like to record what you said, that it is impossible to make money on credit cards, you can only try to get those marketing programs that banks include in promoting these loans, yes, that is, they do not advertise to everyone, they say, here we... financiers, right from the word at all serious ones who work in the west and something else, by the way, i know very serious funds, and who enthusiastically

tell me: “mish, listen, such and such banks have such programs, such and such”, right people there , well, with spending there of such a level it turns out, there it’s not tens of thousands, but there are 5, 10, 15 thousand rubles a month, quite, there may be such a method, well, or a life hack, or a test, perhaps. can you have a credit card, you can have a credit card and you use all these bonuses, cashbacks, miles, than you want, but at the same time you have free money in the amount of this limit, and you realize, yes, i have free money, for example, on a deposit, they still make great money there now, i get bonuses from my credit card, cashback, some... there may be super discounts on goods, but here i still receive interest on the deposit, calmly, i say, that is, it works out. well, let me now carefully relate to these words, yes, because the next one suggests itself, you understand what it is, yes, i take my wages, especially now, now there are one hundred percent rates there

14-15%, yes, but no one gives such rates for a long time, by the way, here is also advice for everyone who watches this program, open right now deposits as long as the bank will allow you to open, and you will see that for a year you already have you will not have a rate of 15, you will need 13 , or even lower for six months, these figures, they are very high, but you need to compare them with payments on a credit card, well , let’s talk about the scheme again, and such a primitive financial exercise: you take salary, place it in the bank at interest, and at the same time, you yourself are currently spending the loan, what is the danger? such a danger is that this scheme, let’s call it that, it still requires a certain discipline, remember about payments, know that there is a deposit and there are rates on them, remember. about all the deadlines , but one of my subscribers, for example, says that i tried this and realized that no, this stress costs me more, i need to remember, i don’t

want to remember that i have to, i choose, oh 'okay, i'm losing my credit card bonuses, but at least i'm spending my money and i'm sure that this is mine, i live on my own money, and what other periods are there, maybe, well, i’ll give examples there later, which are from recent history, when you really... an example with a sale, for example, when there really is an opportunity to buy equipment, the same card to the fitness club, also use loans, well, you brought something, you see that right now, maybe some tickets in advance if you are going on vacation, it’s true, now you need money, but please, just let it all be with open eyes, that’s how i do it i call it, you honestly know what you are getting into, that this money will have to be returned, that this money...

is quite advanced in financiers, they took out loans that they could get for one-room apartments in the moscow region and they got up to four or five loans, and the market is growing, the main thing here is to get out on time, because we remember that when the whole country is playing this game, there are a lot of friends who already knew what happened in 2008, this was a mortgage crisis in the united states, that is, it all ended in a global crisis, there are examples when we try... to deceive the financial system, but we can’t do it for a long time, and the main thing is that it ’s impossible, it’s impossible, it still helps me, and it seems to me that this idea should work,

remember that banks with some... there is data at work here that sooner or later you can break, forgetting about some action that will violate this grace period, fly into it in full, already with seven interest payments for the entire period, well , for example, withdraw there cash or even god take it out with cash, just transfer it to someone not. everyone remembers that a transfer from card to card is for a friend’s credit, but you transferred it to your mother, you forgot to look there, that’s all, but the transfer was done and it cut off the entire grace period, and you pay all the interest for the previous time, if possible, at least it’s trying try to find something positive in loans there, but there are loans, maybe with some small rates that can be put in the back drawer, here he is, you know, like my

good one, here he brought me all... i i’m slowly paying it off, it’s very low rate, or, if there is such an opportunity, you should still get rid of all loans, but at some point please yourself with the fact that you are completely without loans, you do not have any closed cards, well, i don’t mean there cards, after all, there are one-time stories there, specifically bank loans, in this, in this, in my experience , i see that people here can be guided, just by your personal approach, because yeah.

there is such a stereotype that i declared myself personal bankrupt, that’s it, now everyone should, everyone is forgiven, yes, but this is not so , and how is it not so, firstly, this is a fairly long-term procedure, it’s not just like you came to the bank, said everything, well , it can take up to six months, or maybe longer , will depend on your circumstances,

what exactly is going on? it’s simple, if on such an everyday level, you say to the bank, for example, i can’t pay, well, to myself, yes, then you decide, for example, to make this decision public, and how does that person, even, say, or organization act, to whom you owe money, she will check what with your salary , how much do you earn there, maybe we will take some part from the salary then for ourselves, we will leave you a certain minimum, maybe you have some additional property, maybe you have three cars, maybe...

flow , i live with my mother, they won’t take away the apartment , which are also missing, yes , i don’t have a car that’s not included, i don’t have anything, there’s nothing to sell there except old things, like this, so if a person comes to personal bankruptcy, that’s what’s next what happens to him, there is nothing, a manager is appointed, who will do all this. will manage this process and decide whether it is still possible to take something else from you or not, let’s say you were declared bankrupt, what happens, that is, i understand correctly that all debts are closed, well, they are forgiven, probably like this one might say they are saying goodbye, well , that is, more than one bank or microfinance organization can call you, what does he say, goodbye, yes, i am personally bankrupt, what does this mean, it somehow affects your rights, your travel abroad is prohibited border, something else there are certain, well, certain

restrictions. you will have a mark , accordingly, well, everyone will know that you have gone through bankruptcy, sometimes people are afraid of this for, well, moral reasons or something, but to tell friends, acquaintances, well, that’s how it is, it means i’m not coped, this is a really difficult , perhaps difficult truth that must be admitted, well, i know that the owner of the cherkizovsky market at one time, a billionaire, went through the personal bankruptcy procedure, so i think that somehow the person there compared, somehow.

the region is simpler, but still this is a serious step, yes, which is not such a thing as personal bankruptcy, the second, as in the game, you know, how i rebooted, i went to the start again, that is, maybe i would then suggest not to think about bankruptcy, in extreme mode , yes, that this is horror, horror, i will never go for it, or vice versa, that this is an easy solution, the truth is somewhere in the middle, this is a certain process that will require effort, time, nerves , rather everything, but... may be a solution as well. thank you very much, anastasia, for the fact that we really talked in such detail, and i believe that we talked quite frankly step by step about the difficulties , what credit dependence is, how to get rid of it, how to get out of

this state and how to properly improve your financial health budget, how to actually try to live without loans at all. thank you very much, thank you. hello, dear tv viewers, you are watching the triggers podcast, we are with you, its host, psychologist tatyana krasnovskaya, psychologist, psychotherapist sergei nasebyan, in victoria is our guest today, hello , victoria, hello, hello

, more than a year ago, i started working in a shoe store and it focused more on men, and how specially and how specially , so i accordingly found contact with men like that in my work and became a little easier, and then i kind of lived my whole life with the conviction that men don’t communicate with me, aren’t friends , and more precisely, and of course, don’t even like me. at the age of 22 , at work, i became friends with my colleague. a man, when at some point he me i imagined, i said that this was my friend, at that moment i had a childish glee inside me, she’s like, lord, she’s friends with me, really, but with the fact that they can love me and men can like me as a woman, that

’s all. it’s hard, and i can’t get past this barrier yet, how old are you now? 25, but could you tell us about your family, my dad left the family, i was 5 years old, yeah, but he left for another woman, soon i my brother was born, at first i don’t really remember how we met, i remember that we met with him, but very rarely, it was with his family, meetings, that is , they were always with his family, with his younger brother, with his wife, that is, one on one with dad, you didn’t meet, didn’t spend time , i had a difficult contact with his wife, i always say that this is such a classic cinderella and machha, and she made you sort out buckwheat and rice, well, practically, that is, there was always something wrong with me, i’m wrong . i breathe, i talk wrong, i eat wrong, i need to constantly lose weight, i constantly have this spoke at the holiday tables , where all the relatives gathered, they told me where else you put it, i need to lose weight there and so on, and when i was 8 years old, my mother had to go for 2 weeks, she left me with my dad and his

family, my dad’s wife didn’t like it, that i had long, kind of unkempt hair, she decided to cut my hair, and cut it short, at home with scissors, and... i tolerated all this, well, i generally had it, well, that is, i had the feeling that do whatever you want with me, just let's communicate with dad, but there was also little contact with dad, there were all these meetings there in childhood - i started crying to my mom or my grandmother, his mom, by some incredible miracle, the next day my dad called me and took me there for some day, spent time with me, well, it was also always not in private, then later i wrote a message to my dad there at the age of 12, saying that if you don’t want to communicate with me, you don’t love me, you tell me how well, i have this uncertainty, because my mother, as soon as my father left, she told me... years before 16, until i told her myself, she confirmed one thing to me: that your dad loves you very much,

your dad is wonderful, just like that, you go understand, he has a lot of work, so it’s like this is happening, so for me there was dissonance in my head, like, why don’t they communicate with me then, at the age of 18 we had a fight, so we stopped communicating, we still communicate so purely to congratulate each other, as a child, your dad was involved in your life in some way , well, for example there, if you... need clothes there, i don’t know, you asked should i buy it for dad or what was it like? and i know that he paid alimony to my mother, then little by little, yes, i started asking for some pocket money, yes, he had it there, then i asked for some gifts there for the new year, he had money, yes he really helped me, plus due to the fact that he had shoe and jeans stores, i kind of took shoes from him, jeans , well, you worked for dad, it turns out, you had a fight about work, apparently yes , throughout there... at some point i

simply dared to tell my dad about that i don’t go on vacation twice a year, i just knew that he went on vacation, bought a dog, a cat, well, that is, as if there was money for this, i had no money to pay my salary, and i said this phrase, to which my dad left, and 5 minutes later he wrote me a message saying that i had formed my own opinion about you, that was the last straw. in my patience, when i said, that’s it, i endured for so many years, all these humiliations, your whole wife, her whole family, that i don’t want to endure anymore, it’s as if i no longer have the strength to accept, to understand that’s all, and we kind of stopped communicating with him, you gave the money with the help of your brother and his mother, yeah, okay, but tell me, you say that you were afraid of men, your dad left, you were five, your brother was born, you it was six, that is, two men appeared in your life, but were you already afraid at that moment? we can say, yes, i also had an older brother, my mother had an older

brother from her first marriage, how much older was he? for 6 years, and i had a difficult relationship with him, he called me names, well, of course, yes, periodically when i brought him to some kind of state, he could, i don’t know, me, he even tried to strangle me once, and with a pillow there was something else, as it were, but my brother died, i was 10 years old, my eldest brother died, that was the end of my childhood, and this is a disease. which is revealed only after death , so he was playing sports, it turned out that he had too much adrenaline, his blood did not process it, so he died suddenly, and i think that after that my childhood ended, why? well my mom is on at that moment, she turned out to be pregnant, she decided to keep the child, and i unconsciously decided, when my brother died, to take full responsibility for myself, well, somehow become an older sister, in general, the eldest of the family in a person, a person in the family. at the age of 10

, yes, i already started somehow, well, helping my mother more than then, naturally, my sister was born 9 months later, and since my mother was alone, we had to be raised, she went to work a week after the birth, all my sister’s worries fell on me and as i always say that i was raised by my sister, i am the only one that i slept at night and didn’t feed, i was a mother and it was heavily impacted on... faster on me, because before the age of 17, well, more precisely, by the age of seventeen, i came to the moment that this was my first such request for help from a psychologist, because i came to the conclusion that i didn’t understand what to live for, i never had social thoughts, that is, i didn’t want to, but i just didn’t understand why, and i just realized, conversations there with a psychologist, that i was too much took responsibility on myself, my sister was completely on me, that is i don’t know the clubs there, the teachers in the kindergarten, i don’t know how to join chats there yet, everything, i did everything, my mother was the breadwinner who

brought in the money, i was there, fed, watered and did everything for the family, so, then little by little i began to understand that this is wrong, we had a difficult separation with my sister, she took it very hard, tell me, now you live separately from them, yes, i moved in september, yeah, you are 25, you came with the fact that you are afraid of men, yeah, now we are here to help you in a wonderful way, and what will happen, i i will learn to love and be loved. now at 25 , do you also think that men don’t notice you and don’t love you? yes, yes, absolutely, yeah, despite the fact that i had a period when i was in psychotherapy, i had a period when i started having affairs. great, we now know that men want me, well, that ’s where it all ends, i generally have a hard time with close relationships, that is, i don’t really have friends, i don’t have any buddies, and in

the end you answered with the help of a psychologist or yourself to the question, why live, but for joy, for pleasure, how do you get it? happy, not at all right now, what is your life filled with? while i was in psychotherapy , i started doing a lot for myself, i started dancing, which i dreamed of for a very long time, i started performing and singing, this is also for me, i started to advance at work, and then at some point i i realized that i had to take the next stage, i had to move out, i had to quit, because at my job i realized that there was nowhere for me to grow, and what were you doing, i was, i worked at a dance school, so i just came there , as an administrator, grew to deputy director, that is, i kind of grew this school quite a lot, at some point i realized that such internal competition had already begun with the head, and i left work, decided that that’s it, i ’m leaving, i’ll work there no more i can’t, i left, for the first 4 months i couldn’t think about work at all, i had jitters, and then i realized

that i had to look for a job, this process has always been very long for me, i was looking for my last job for almost a year, even a year and a half , now i have been there for six months. searches and jobs cannot be found i can, despite the fact that i live in moscow, but what do you mean you can’t, is she hiding from you, where they take me, i don’t want to, where i want, they don’t take me, i’ll still return to my question , what gives you pleasure today, nothing, well, that is, you are there, i don’t know, you don’t like walking in the fresh air, you don’t like delicious food, you don’t like communicating with friends, singing, well, that is... nothing gives you pleasure at all ? no, because i have some kind of fad that if i don’t work, that is, i’m not fulfilled, well, it’s like, i don’t have the right to this life, and even now i’m trying to restrain myself, but i still understand that i’m unconsciously limiting my circle of friends,

because well, the question of what you do is next for me this, i’m nothing, that means i’m worthless, that means i’m kind of... not like that, you can’t communicate with me, and so on, and accordingly , you can’t build relationships either, of course, of course, cool, let’s fear men, here you are say that you were afraid of men there since childhood, the very first fear that you experienced in connection with the fact that a man was nearby , it was, i was probably eight years old, and i went to my aunt, her husband was a drinker, but she guaranteed me that he was not at home, so come to me, i i loved spending time with him with her daughter and... i just stayed too long visiting her at some point, and we didn’t notice the time when the husband returned, the husband returned drunk, closes the door, sits on the floor, says: i’ll take you i won’t let you out anywhere, and well , she starts to get hysterical that at least let vika out, no, i won’t let you out anywhere, i won’t i remember what he specifically told me, but i remember that this picture, then

he eventually persuaded her, and we all went out together, well, he said, i’ll go and take vika home, and i remember how i'm standing in a small elevator with a stroller. with his aunt, and he , he was such a very tall man, and he leans towards me like that, says: it’s all because of you, or because of me, i don’t know, but it was that, after which i finally became very afraid of men. according to our legend, petro poroshenko is recruiting fighters for his personal private military company. what is the average price for training one soldier? from 1,500 to 2.0 euros per person, includes accommodation and three meals a day. this is the average price for the week.