also move, well, at the same time , all this is still possible, you just need to think a little bit more about your food, don’t eat mindlessly and under no circumstances completely exclude fats from your diet, because this a mistake that many are undermined by, unfortunately it is, thank you, there was a podcast with you about deception of substances, my name is olesya nosova, i am the editor-in-chief of komsomolskaya pravda, and with me was the famous endocrinologist, zukhra pavlov. hello, this is the easy money podcast, i’m its host mikhail khanov, today we have a very current topic, loans, how to try to take them, how to take them correctly, better, how not to take them at all, and most importantly, how to...

get rid of loans that are burdensome, how to get rid of credit addiction. today our guest is anastasia veselko, a personal finance expert, financial consultant, author of a book and publication on the topic of introducing personal finance. hello anastasia. hello, mikhail. you and i know the statistics very well, the head of the central bank, elvira shievzanovna, even told us about this biulina, expressing concern that higher and higher levels of debt are being incurred. population, what is it? that is, when people take out loans to repay previous loans, they are now drawn into this process, like a race, like some kind of competition, partly with themselves and their psychology. the most important question: is it possible to pay off loans when they already seem to fall on you like a snowball, and how to do this? you can pay, probably the first step is to admit that you are in a hole, as they say, if you're in a hole, you need to stop.

dig, at least stop immersing yourself in it , because it seems to me that this is the idea that okay, now i’ll take out another loan, close those and then somehow everything will resolve, or maybe, i don’t know, a miracle will happen, uh-huh, so it prevents people from taking a sober, honest look at the situation, yes, it may be painful, but without this step it will not be possible to act further, psychologically , how exactly, what needs to be done, you need to sit down, think, be alone, so that at you there were no pressure from wives, children, relatives, new, new problems.

then we’ll leave this as a clue , the second step is what to do, after that we look at the situation and evaluate it, including the loan rates, where i pay a lot, where i pay little, or you can immediately do an express analysis, look at the total amount of monthly payments , this is how much you repay per month on all loans, what to do if it exceeds your income, i wanted to tell you about the golden rule of 30% of income, well, there is such a thing... a certain rule that in more or less

in a healthy budget, the amount of loan payments should not exceed 30%, this also applies to mortgages, then we understand that, okay, you pay at least a third. banks for something important, necessary, useful, we will clarify the usefulness further, if this monthly credit burden is completely unbearable, then what can be done, you can try to refinance the loan, but at the current high rates, this is probably not the best thing a suitable solution if you have taken out loans before, perhaps now the rates are higher than those that you are paying off, here is my example: if you have loans with rates above thirty, then why not try to find them? one bank, banks are now happy to do this, they say, collect all your loans, if you still have any elements of reliability, or rather as a payer of loan payments, then we will do it for you.