you felt that i was not just somehow avoiding the answers, saying, well, okay, look there, where there, i don’t know, there are links in the description, something else, but i will really try to answer them as much as possible, in as much detail and as clearly and distinctly as possible, but before coming to our burning topic, i would like to bring this foundation to light, because the questions that you ask and the question that is put in the title of the program, how to save money, if their... what to do with the budget in general, where to get it from, yes you are talking about some shares, bonds, here you just need to make ends meet and live until payday, i think that this is akin to how you and i discuss what color the wallpaper will be or the handles in the apartment, when we don’t even have the foundation of the house yet, and this pit itself, and then the foundation, the basis of the building that will be built in the form of answers to your questions, i would like to say now, it is very difficult to find it yourself. you need knowledge that you

will use in order to resolve this situation in a positive sense for yourself, for your budget, for your family, for the people who depend on you financially, so be careful about choosing who you listen to, the books you read, or use someone's example, here i ...

there must be world champions brought up there, in single skating or in some other, in which you decided to become that very champion, that is, she must have successful experience in solving a similar problem, translating this into the language of finance, or you are tormented by the question of your a close friend whom you know and who is successful, who has solved a similar problem, who, let's say, has changed his life for the better by a... earning more money, carefully accounting for it, controlling and spending it, or if, let's say, you use books, if you use some courses or educational programs, then you should know people who have already completed them and accordingly used this knowledge, in the same way achieving the success that you want to achieve , that is, choosing the right one for yourself mentor, choose the right teacher, choose the right... advisor for yourself, in

simple terms, this is the very first step that needs to be taken, then in no case should you rush about, in the decision you have already made, that is, if you have made a decision, then at least go through a cycle of following the advice that you receive, because if you change your strategy behavior, yes, then you saved up like this, then you decided to earn more now, we don’t save up, we spend, then we behave like this, then we hit there i don’t know. forgive me, lord, in cryptocurrency, then somewhere else, yes, at least endure the cycle, that is, if the advisor, mentor, teacher you have chosen tells you that you need to live in this configuration for at least six months or better yet a year, then live this year, look at your results, and then change your strategy, because frequent changes in strategy obviously will not lead to anything. another important point, yes, as we mostly watch such programs, we listen to this advice and say

to ourselves: yeah, well, this is probably good, this is probably bad, and this is probably great, and this is not great, i will do this, i will not do this, here i would like to say two things, and as i always say in my programs, lectures that i sometimes give to the audience, there are hundreds of books on a healthy lifestyle, but only one of them helps, this is the book by which you at least do something, and do not put it aside, lie on the couch and take up another. so regarding how we should try to learn to improve our financial situation, i would still call the topic of the program that way, yes, how improve your financial situation, if you are not happy with it now, then there is good news, there is bad news, as always, let's start with the bad, there is no button, yes or a series of buttons that you press, now there is a very popular game that will lead you to wealth, success, financial independence. and so on, there is no

application that you download, press something, again lying on the couch, suddenly manna from heaven falls on you, your capital will double, triple and so on. and all this does not exist, because if it did, then it would have been long ago, well , most people in the world have become rich, the good news is that almost any situation is fixable, that is, the thesis is this: if you are not dead, then everything can be fixed to one degree or another, there would be a desire, everything just has a price, everything has a price, if there is no motivation, there is nothing, because returning to the thesis, we live the way we want. the next step, a very important point, when we talk about the

need to change, the environment is very important, that exists around you, that is, if everyone around you looks at this world with sadness and says that well, everything is bad, nothing... changes, then i think that the chances of breaking out with such an environment to a new level of your own personal development of perception of this world are zero. probably, you can give me a thousand examples that here i have this, i have everything, here it will not work out, here is another principle, the most important one, which you must figure out for yourself as our father, how to relate positively to this world, it's not just about getting up in the morning, straightening your back, stretching...

i have a low-paid profession, i live in a region that's not the strongest or even in a village and so on, but you can't, because here's a list of all your, well, i call it excuses, reasons why you can't do anything, you omit, oh well, i live the way i am, everything is very simple, you cross out, you can't because you write, you can if, each point is reworked.

tell yourself that it's possible, that everything changes, they are possible with you too, if you want it, the most important principle, if you want, that is, you are ready to make efforts, you are ready to work on yourself, you are ready to endure some hardships now, you are ready to spend money on your own development, carefully choosing a vector there so that yes, you should always know, i do all this there in order to have and then also actually a list, which... it is advisable to reread every day. so, let's move on to your questions, to those questions to which i now hope that my answers will be more understandable, more reasoned, and you will perceive them correctly. what should you do before you start saving? first of all, you should answer the question of why you

are doing this at all, because saving is always a limitation, that is , it is a kind of constraint, it is stress, it is your own limitation, when you limit yourself, you should clearly understand the answer to the question of why. the easiest way is, well, we will not talk now about typical coaching techniques, hang them all over the house posters, write on them in large letters, with felt-tip pens, although this also helps, as funny as it sounds, but write in your notebook, yes, in your personal diary, at the end, let's say, yes, everything that i do this year, i do it in order to, yes, in order to get... a specialty, get a new job, get a new position, grow in income and so on and so forth, and further, again, for what? in order to be able to live peacefully, live freely, not think, let's say, about money in the last weeks, months before payday, always have

safety cushion, that is, you must clearly outline for yourself the positive goals of those changes for which there will be... these restrictions, how to correctly analyze your expenses? a very common question. here, first of all, the answer is very simple: you must, at least for yourself... write them down, if you, as boring, trite and tedious as it sounds, and there, well, i thought now they would say some button there once everything is decided, no, again yes, we go back, there is no button, so you have to come to terms with the fact that you will write everything down your expenses, so you bought a cup of coffee, you bought a pie, you came from the grocery store, wrote down the whole list, paid for i don’t know, calling a plumber.

you can always take 10% of your income level, put it aside and not spend it, that is, you

received, say, a salary of 15,000 rubles. you took 1,500 rubles and put it aside, i ’m deliberately taking small numbers, yes, so that they don’t tell me, then you can take there, of course, something like 100,000 200, yes there, here 15,000, i assure you that from 15 thousand you can put aside one and a half, just put them away and forget about them, here just a death penalty. no matter what happens, i don’t touch them, well, unless there ’s, i don’t know, god forgive me, the death of a loved one, i need to spend this money there, there’s nowhere else to get it, learn to live without 10%, you’ll be very surprised how simple it is, it’s really simple, a very vivid example of how, for example, to wean children from uncontrollably asking for toys, something else, pressed on pity, you felt uncomfortable every time, refusing... starting from some

age, when they already consciously react to the refusal to buy something, you allocate them a budget, it can be any budget, 100 rubles, 200, exactly according to your, let's say, budget, and you give this money to the children and explain that this is all their money that they can spend this month, when the children come and say: here, buy me this, please, dad or... mom, you say, buy it, you will be very surprised, the children almost immediately go into a stupor, a block, they do not buy, they look, think, well, yes, some kind of nonsense, i can easily do something, here really, i don't know what 's going on in their heads, but there's a huge amount of unnecessary stuff, toys or entertainment junk, it's not bought, there's a budget, that's it, you say, you're already an adult, please, there's a budget, buy it, he says, buy it, please, this, buy it, this is the easy money podcast, its host is mikhail khanov, and we're continuing our conversation about

how to save money if you have very little of it, but in fact, about how to start transforming yourself as a person, and your life, your goals and objectives. how to get rid of the once-in-a-lifetime approach? what to do with this? for myself, at one time for me it was such a revealing answer to all these questions. and in remarque's three comrades there is a completely wonderful episode, when the main character, patricia, she was sick with tuberculosis and she was undergoing treatment in a high-mountain camp and there was one character, well, a minor one just as an example, when she was telling her friend robbie, she was telling him what was going on, and there was one man, very rich, very rich, who, when he found out that he had to live a year maximum left. maximum, in the best case scenario she had a rapid inflammation,

tuberculosis spread to the second lung, and he had a year left to live, what did he do, he divided his fortune into 12 parts, and in fact he lived just to the fullest, he organized some concerts, performances, they went sledding, something else, some excursions, lectures, they just caroused, lived and so on, in the tenth or eleventh month... he went into remission, that is , he, that is, the doctors were shocked, how could this perhaps he suddenly started a process there, that is, the mountain air apparently worked, there, despite the negative lifestyle, maybe there... even some other harmful drinks worked, i don’t know , but the man was cured, he found himself in a shock situation, because he was absolutely healthy, he was rich, but now he spent everything, yes, it would seem, well, well, well, in 100% a situation, well, why would i need money, and if there’s a flood tomorrow, we only live once, and especially since he knew that he would die in a year,

he didn’t die, that also happens, and he was generally in shocked, he did not understand, that is, how to live on, yes, so think about the fact that... now this is, you know, like the effect of alcohol, yes, now i feel good, but in the morning i will feel bad, how to protect yourself from these expenses, from this psychology, this is only your job, this is only discipline, just imagine, this is what you will do tomorrow with this expense, noting how much it cost, just remember this phrase, you are trying to buy yourself joy, but you are buying it for a very short time, if this is really an overspend that is not in your budget right now, yes, it is here now, this piece will be good for you, and then you will start saying, well, why did i do this, yes, it seems like it was not really necessary, well, yes, i was happy, but not in the way i wanted, and the fact that i got a hole in the budget, yes, it knocks me out, and i am already done, all the joy has already passed, that is, if you want

to buy yourself joy, remember that it is better... change yourself, start earning more, change your profession, your approach, and you will receive this joy constantly, i'm just happy, let's remember again, yes, that you should go to work with joy, if not, change jobs, change, and if there is no work in the region, well, then you need to change the region, once again, yes, these are the same number of inconveniences that you are ready to bring into your life in order to change it once and for all, well, or at least try to do it, than with...

and at the same time, just starting from the next month, when there is a salary, just voluntarily take 10%, put them off so far away where you can't get it, let's say, into a bank account, don't be lazy, take it like this, so that it's there, preferably at some interest, so that your greed will screw you over, what do you think, and i'll lose the interest and so on, the next block of questions is where to start again, yes, where? start saving, well, and as options, a piggy bank, a savings account and so on. i'll say this, that now we have a completely unique, yes, let it be that very button, for the sake of which, maybe, many of us are listening, i can say that it's unique absolutely the situation when in our country the rate is very high, the cost

of money is very high, now there are offers from banks, we traditionally do not name them, but there is an offer for 7 months to get a rate of 18% per annum, what is the rate of 18 per annum for 7 months, having put 50,000 rubles, you will receive 5,000 net profit, if you put 100,000 rubles, then you will receive 10, even more, there is a little more than 10,000 net profit and so on. if we are talking about millions of rubles, and i know that there are even many pensioners. many grandmothers are just like a banker with a huge amount of experience in saving, our grandmothers and grandfathers knew how to save much better than us, they just rolled back everything for themselves, they just put aside their pension, as if it didn’t exist, and then they took it little by little, and you’re always surprised, you think, i don’t have money for a gift for a child, then a grandmother comes and gives him 5,000, so if you’re talking about millions, then

in principle it’s already a sum, that is, in 7 months you get there, if it’s a million, then it’s 100,000, this is already in principle a sum. which you can live on for a month, that's enough for a family, well, let's say without excesses, but in a family there, even with no children, in a large city, you can easily live on 100,000, well, well, if you have housing problems, i don't want to get into the answers there, yeah, he said 100,000, you try it this way and that, but if you have solved your problems , you have a place to live, then this amount is enough to live on for a month, that is, in fact, you will earn a month in 7 months. how much should you put aside each month? well, i already said about that you can put aside 10% completely painlessly, well, let's say, you won't feel this change much. budget, if there are some critical goals, then you can put aside more, yes, you can, let 's say, limit yourself in everything, yes, i live

extremely ascetically, i cook for myself, you can, i think, save up to twenty, probably, percent of the budget, probably, a large amount will already be significant, especially if you are not alone, then your loved ones will feel this change quite sharply

well, well, ua, they don’t lie around, they lie around in non-cash form, as alternative currencies to the ruble, if we’re talking about the fact that, let’s say, we don’t believe in the stability of the economy or we believe in some change in the situation such that the ruble can depreciate, then i keep part of my savings in foreign currency, then you forget about the exchange rate, you just have currency, because you’ll start torturing yourself, what’s the exchange rate today, what’s the rate tomorrow, if i’d bought it then, if only then that’s it, and you’ll only torture yourself with this, that’s it, you’ve made a decision, that you have, say, $1.00 or whatever, there, $500, you always have it, if you are not ready to devote

as much time to it as i do, for example, yes, calculating forecasts, trying to predict some movements over a long period of time, then you should not treat currency as a way to earn money, it is simply harmful. if you decided that part of your savings will be in currency, you bought everything and forgot, so you have it lying at home or in a safe or somewhere else, that's it. this is the easy money podcast, it is still with you mikhail khanov, and we continue the conversation about how to learn to change yourself, how to learn to change your life, how to learn to change your standard of living and wealth. how to make the most of the banks' offer with a small income: receiving a salary with interest. and so i can say that the most, in my opinion, the best tool for

receiving, taking advantage of benefits from the state for those people who pay taxes, yes, is to receive a deduction to an individual investment account. iis, i will not go into details now, but in principle there amounts, if people have several million rubles there that need to be invested, i think that they themselves have already - devoted enough time to studying this issue, if not, then well, there amounts up to a million you can always get a tax deduction from 400,000 rubles deposited in this account, yes, and you actually get 52,000 rubles of tax deduction refund to you the state will return them if you paid more taxes this year. well, that is, it is not difficult to calculate this amount 400,000 is somewhere around 30 5, even a little less than 33 with something 33,000 rubles. if your salary is in

month, then you pay taxes on 52,000 per year, so if you open an individual investment account for 400,000, you will get 52,000 back. any special offers for ba banks? yes, basically it is cashback now, that is, this is actually a marketing return. promotions for network banks or some enterprises, when you are already conducting these trades, but you will simply receive a return, i am there all, all the top banks, there, as we say, there are red and blue and green, they are all yellow, they all conduct similar promotions, i know consultants financial, working, not just private, but there, like some consultants, getting by there... people are happy with

the return and they are right to return 10,000 to 15, when even more significant amounts of cashback accumulate over the year at their level of spending. is the accumulation function useful by opening a family account. well, you need to look at the conditions, here is such a private question, although it is very common, indeed, now many banks make similar offers, you need to look at what the percentage is, what cashbacks you get, use. in these grocery store chains there or delivery services or there mobile communications there operators often offer cashback there where in the ecosystem the operator has a bank especially here it is very profitable to top up the account spend part of the money on , say, purchases using the bank yes included in the operator's ecosystem and receive there sometimes amounts that allow you to fully pay for your mobile communications, well, in fact, there we

have already discussed how to limit yourself? from unnecessary expenses, i repeat, this is more of a question psychology, that is, you should, as trite as it sounds, boring, tedious, you should speak it out, or better yet, write it down, yes , it really helps to write it down, and with a pen on a piece of paper, and not with buttons on a gadget, it’s better to write down what you will receive every minute now, what joy you are buying for yourself, i’ll repeat again, how you will regret it tomorrow, how much is this joy for you? will be as significant as it is now, how significant will it be for you in the morning, yes , the same method works here, how it works there with the same documents, decisions, it’s very good for him to lie down, yes, what ’s called sleeping with him, it’s amazing how the brain works, but here you are sitting in this process, yes, here you are sleeping, the brain is cleansed, it cleanses unnecessary emotions, unnecessary connections, and in the morning, or better yet, the next day,

you will see completely different eyes. look at this document, what other motivational techniques exist for accumulation, i assure you that if you start at least writing down the first month, the second, the third, here are 3 months daily expenses, you will already have all this sorted into blocks in the program, you will already know where you can save, what expenses are unnecessary , i assure you that you will look at why i did this, why this expense was, therefore, in fact, the most important motivational... technique, an incentive for savings, it is the following, here again i am not talking about posters, write to yourself on the back page of the diary, why i am doing this, just take it, reread it, the temptation is very great, yes, here you started to put aside there money, saved up 500 rubles, 1.00, well, i 'll go out with friends now, have a beer or something, yes, no, set a goal for yourself, yes, i've been living like this for six months and then i'll make a decision, is it hard for me

to live, am i ready to pay this? yes, can i even go into this transformation, i can't, and if you refuse this, yes, here again, everything broke down, yes, motivation didn't work, then you need to change your attitude to the situation, you need to tell yourself: that's it, here, here i have so much money, here i live like this, yes, i can't afford anything, well, because i'm not able to change myself, i don't have enough motivation , remember, yes, this is the most important thing, i don't have the motivation to change. let's say, everything is fine with motivation, everything is fine with goals, we've read everything, we're doing everything, actually, what else can i specifically advise, right here right now, in order to somehow increase income, well, the easiest way is to use, try to use those communications with your own skills for in order to monetize them, talking about what you can do personally, but here is a difficult moment,

you can... let's say, if you are a teacher, you can give private lessons, or you can apply your knowledge there to help someone with car repairs, something else, well, each of you knows millions of such methods, if you have a hobby there, you are an excellent cook, well, start making some cakes to order for your friends, as you remember before, there is someone there, also from my generation, that many women knitted socks,

in my work, uh, i think that my salary, it should be like this, because the market is like this, and so on and so forth. be prepared for the fact that if you are refused, then you should seriously think about changing jobs, if

you are really as good as you imagine yourself to be. what i said about mine, about my entrepreneur, not a single manager, if everything is good, if his employee works to the fullest, gives it his all. he works hard, does everything, we won’t come, he will say, listen, brother, you work so well, here 's another salary for you, no, but if you come and say, listen, in my opinion, i'm worth, well , 10% more, listen, i've wanted to offer you one myself for a long time, yes, i'm sorry i didn't do it, i got caught up, yes, it's high time, here 's a 10% raise for you, here's another one-time bonus for you, you're a very valuable employee for the company, please, we want you to continue working with us, if you can't grow here, think about how you can appropriate the... well, the standard sayings there are there for a reason the underlying stone the water does not flow can be done

a little differently yes in a soft form you can come to the manager and say ivan ivanovich here in general in principle an increase in my salary is possible what should i do for this what should i have? skills that i should, what projects to complete, some, to talk there, well, either about just periodic bonuses there, if the project is for work, or just increase the fixed salary, just come to the manager, say that in principle it is possible on my positions to earn more per day, i say yes, of course, i assure you, any adequate manager will write out several points for you, you just agree with him here on the shore that you do this, your income increases, yes, here is a specific example.

and you can change yourself at 20, at 30, at 50, and you can radically change your field of activity, if you want. there is forward, and i really hope that our program, our conversation today, will help you, at least start this transformation, and the answer once again is the most important question, how start, start, this is a podcast easy money, with you was mikhail khanov, and today we talked about how to start saving money, how to save it if there is little of it, but in fact we talked about how...

in russian history of the 19th century there were two pavlovichs, first alexandrovich, then nikolai pavlovich, nikolai i, i would call them, you know, two political fluxes on different sides, nikolai pavlovich was forced from the very first days of his reign to deal primarily with internal affairs, this period, the period of the reign of alexander i, is such the peak of russia's authority in the international arena. hello, this is the historical podcast russia-west on the swings of history, with you peter

romanov and sergei solovyov, today we are talking about alexander i. historians at the end of the reign of alexander pavlovich and the reign is a quarter of a century from 1801 to 1820. the fifth year, gave him very different characteristics, someone called him an abstract liberal, someone a political altruist. someone a religious conservative, and in my opinion, everyone was right, just at certain stages some character traits dominated in him, but with this split personality did not occur, somehow it somehow managed to coexist in him, this is perhaps the legacy of his grandmother catherine ii, who... she once said that i would get along just fine

in athens or sparta, where there are two, two completely different poles, and the same thing happened with alexander pavlovich, in his younger years he, he could spend the day, the whole day in gatchina, doing, so to speak, marching and military affairs with his father, as for his upbringing, you and i remember who brought up, this is a republican lagarb, swiss. became, among other things, the head of republican switzerland, well, klyuchevsky was very ironic about this, he said that lagarb is such a talkative liberal book, chatty, well , how right klyuchevsky was, i will not judge, but nevertheless , he put some kind of liberal abstract ideas into the head of alexander i, if we talk about religious conservatism, then here too... you can remember, i don’t know, father paul i,

he really went down such a winding path religious ecumenism, and alexander went down the well-trodden path of orthodoxy, but in principle - yes, to a certain extent one can say that both of them were mystics to some extent, a very contradictory personality, this contradiction, in my opinion, stems precisely from the need to maneuver in youth, yes, in childhood, then in youth between. let's say so, he did not order to kill his father,

he did not carry out the necessary reforms in time, did not dare to do them, perhaps, he can be called weak, but on the other hand, well, listen, in during the war of 1812, this same man showed character, that's right, he didn't sign peace with napoleon even after he occupied moscow, that's right, he didn't flee from petersburg, he didn't flee from petersburg, his relatives, his mother, wanted to flee, he insisted on staying, he showed a certain courage, because at that moment, after the burning of moscow, well, there is, witnesses tell an episode when he went to church, the people stood sullenly, absolutely silently, and he, he felt this rejection, this rejection, so to speak, he he lived through all of this, and he survived it, here we need to remember the episode connected with...

he reacted to this very harshly, they sent a diplomatic note, to which napoleon responded by saying, really slappingly, he said that if your imperial number knew that your father's killer was a couple of kilometers from your border, would you not have taken all measures to capture them, given that all of europe knew that the killer of alexander i's father was in st. petersburg in its outskirts, and so alexander, of course, then, perhaps, slid down on the position of such a mystical conservatism, sometimes completely unbridled... because after all, his conscience gnawed at him, yes, because he knew that paul

would not renounce, paul could renounce only with his life, well, in addition , regarding weakness, not weakness, well, they very often remember that alexander fled as a fugitive, already during the foreign campaigns, that is , the continuation of napoleon, with napoleon's soldiers, he demonstrated the same, perhaps not due to some... very often and more than once this happened, under god's providence in his special mission, and stood with cannonballs, cannonballs fell right next to him, they begged him to leave, he said that no, he was also somehow a coward, you can't be a coward, you can't, you can't, you can't,

after all, if we talk about cunning, then it manifested itself, in my opinion, in the story with asperansky, who was called up, an outstanding reformer, in general often leads to reforms, and spiransky the country needed reforms, the lost war , a native of not the upper class, created a whole program of reforms, there is the state duma, there is the division into three estates, there gradual abolition of serfdom, but the conservative nobility opposed it. after the telesidian peace, alexander was even called napoleon's clerk in court circles, and, the ghost of a coup. under this pressure, alexander i sent spiransky

for nothing, in general, into exile in siberia. then spiransky would restore his position, but the reforms would remain buried in this sense, their own.

about the fact that if you shout there, because at some point napoleon threw his cocked hat there and almost began to trample on it, he acted out a tantrum, well, he acted out a tantrum, he knew how to do that, yes, he was actually a cold-blooded person, so no, it was a joke, but alexander

responded accordingly, if you continue like this, then, well, i'll just leave, that's it, and napoleon immediately calmed down, but i have... the impression that alexander already felt it in erfort.