by and large, in order to get something in this life, especially if a woman is from a very poor background, it is only with the help of men. there is a magazine, for example, it was even published in russia, the art of dressing, 1912, the very first text of which begins with the words, why you need to be able to dress well, because nine out of ten women can get what they want only through men and...

but in her clothes, a corset is not provided at all, convenience, here is peasant clothing, it should be comfortable, functional, allow move, work and so on, this is all she transfers to fashion and makes it the lot of aristocratic clothing, this is an absolute revolution, and this of course coincided with the spirit of the times, this is what olga was talking about, that a woman becomes active, a woman becomes a flapper, yes, a short haircut.

this great transition meant, now clothes will be for a person, and not a person, for clothes on the one hand, yes, and we feel comfortable in these clothes, comfortable, like this luxurious poverty, they called clothes from chanel, the little black dress, the famous, but even before she invented it, there were black dresses, what is innovative here, i saw in life, i want to say that if now... here it was brought, you would say that this is an absolutely ideal thing that can be worn today, in 100 years, it can be worn in the form in which it was made in the sixth year, it is a completely modern ideal thing, ideal proportions, ideal comfort, designers had black dresses, and servants had black ones, these are dresses that were often found just in the middle ages. and chanel in this

sense, of course, again, it is a rebellion and a revolution, to make this dress like this, it was in the magazine vok, when it was published, they called it ford from channel, ford black, a popular car, a stall compared to all the others, very inexpensive, versatility, plus, of course, the girls changed clothes five times a day, a morning dress, then, that means, they go out, a business dress, an evening dress. a tea dress and here chanel offers a dress, like in a peasant, practically, somewhere in the environment that you can wear many times, but arranging it differently. chanel changes the concepts of clothing, well, as if she brings this functionality, convenience, on the one hand, the lower classes of the population, working, on the other hand, the men's wardrobe, men's clothing, because men's clothing is functional throughout the 19th century, unlike women's, yes, everything is comfortable there. therefore

, this approach to the men's theme, it also turned out to be very close to her, she changes, of course, the concepts of sexuality, femininity, that's when olga says, a woman of a new type, of course. the twenties-thirties, the art deco era, the la-la garson style, these short haircuts, this woman is really such an androgyne, a teenager, mobile, active, she herself is like that, as olga already said, she dresses the women who come to her like that. i think that all talented designers who create their own brand, they make an extension of themselves, and the brighter they show it, the more convincing it is for everyone around. today we are discussing the legacy of, perhaps, one of the most famous couturiers of the 20th century coco chanel. with me in the studio are fashion journalist olga mikhailovskaya and fashion historian elena eliseeva. but even when chanel had a huge

success in europe, she had a failure in hollywood, when she was paid some fantastic money for participating in hollywood projects and... there was some kind of complete disaster, her clothes turned out to be, probably, not glamorous enough, so to speak, yes, not enough for hollywood, for cinema, for film in general, apparently too simple, you see, in terms of fabrics, in terms of everything, they needed texture, probably, yes, there wasn’t enough texture, yes, texture and in general some forms more like that, this contract had another side, he wanted this sim goldwyn, he... not only for her to dress them in the movies, but to dress these stars of american life, yes, because he thought they were tasteless, i think he thought quite rightly, of course they didn’t want all that, they wanted their hollywood glamour, in principle, she was a success in america, that’s it commercial, it was a success,

americans wore it, well, not hollywood, it turns out that it didn’t work out with cinema, everything was fine with the theater, well, with dyagenev, but also not so much. they accused them of being no different from non-stage ones, yes, that they are exactly the same as sports ones, like bathing suits and so on, well, as i understand it, they were quite close friends with dyagenev, so they were such friends that he practically died in her arms, she kept him, she was friends with them,

apparently very much with everyone, she helped with money, well let's call a spade a spade, money helped a lot, and it so happened that she... the day before dyageleva died , she was visiting him in venice, she and her friend from missisi sert stopped by to see him, she saw that he was not feeling well, that everything was bad, the next day was her birthday, august 19, and he died right on that day, they returned to bury him, they buried him with her money, since then her birthday was overshadowed by such circumstances, so if we sum it up, that still? it belongs to the chanel legacy, the little black dress, yes, tweed jackets, pearls that are not worn as they should be, shoulder bags, two-tone shoes, two-tone shoes, these with black, beige with black socks, to

make the foot look smaller, these super-fashionable ballet flats today, yes in 2024, yes, yes, of course, of course, and in general she categorically rejected high heels. plus she also really loved boots, that's what i really like, it was still so unconventional for that time, well, not for decent women, yes yes, she really loved boots, little boots, she said that especially when she became old, that they hid her slightly swollen ankle, although she was always thinner until the end of her days, yes, i think that even cardigans are generally knitted, and the svetorov themselves, what women wear, all this, of course, all this is actually her legacy,

just there with boris kokhn and lifar on the beach, she is in pajamas, she is really in men's pajamas, she looks cool, she looks amazing, simply amazing, striped shirts, yes... of course, striped shirts, sailor shirts - that's all, of course, that's what she started with, then such capes created under the impression of military uniforms, it was very stylish, why is everything that we have now...

from men, but today we have already lived through all this, a century has already passed, the fact is that chanel stopped being a rebel and an innovator already in the sixties, in fact, there is, after all, firstly, there is an interview with her, how she criticizes saint-laran, kuresh, short, mini-skirt, it's awful. beautiful, elbows, knees should be covered, moreover, she considered a dimple ugly here

on the other side behind the knee, so her skirts, if we look at the cut, they are yes, there will be a slightly longer story behind, there is a video right there, the international fashion festival in moscow in 1967, and the house of chanel came here with a show, the commentator, well now the house of chanel comes out on the podium, it is clear that this is a classic, this is clothing for people 30 plus, 1967, it is expensive, it is respectable, and indeed, in 1967 there are already models jumping on the podium, well literally yes, that is, how they present collections, and at chanel - it is herself elegance, it is already a classic at that moment, it is already such an icon at that moment, which turns out to be fertilized.

well, it is clear that the latest collections cause indignation among many fashion critics, but still, by and large, there is probably not a single woman in the world who, regardless of style, taste, social status, financial situation, all the same, every woman has some thing, either it is chanel, or it is a chanel replica, or it is something that completely copies the chanel style, well firstly, of course, there is the magic of the name, in any case, yes, that's it, because there is such a story behind it, and then lagerfield did, of course, well from the point of view of marketing, he did... well, how did he take all these so -called chanel codes, that's what i really don't like, these buttons there, i don't know,

these gold piping, tweeds, he exaggerated all of this, and turned it into such iconic things, actually, which everyone wants, firstly, they recognize, he preserved the dna, but yes, well, as if he preserved the dna, it seems to me that he didn't preserve the dna at all, he completely destroyed it, but he chose from this dna these, these and some such. these rapper dots, you know, which are absolutely recognizable, recognizable details, everything, and this is bought, and this is soldgerfeld, he generally modernized it all, to preserve the dna. great, brilliant designer is impossible, i am convinced of this, as the son of laurent, well, who can continue the work the son of laurent, chanel, again lagerfeld, this is a person who did a great job as a de-archiver, that is, he took the archive and made a variation on the theme: lagerfeld is a german, yes, it is a great philosophical

culture, musical culture, mathematicians, yes, his head is like a house. advice, he is an encyclopedist, well, he works according to the principle, he worked, yes, now, according to the principle, variations on a theme, you know, like mozart, mozart was given a variation, given a theme, and he created 50 variations on this theme, lagerfeld worked the same way, in his own way he is also a genius, and what do you think, what is the future of this fashion house, what is needed to keep it afloat, i don’t know, maybe, i'm wrong, maybe... romantic ideas like that, but it seems to me that now there should, there should, well, i really want, probably there should be a person who will do, who will revive this spirit of chanel, that chanel of hers, not what happened after eighty- three with this house, but hers, because everything i see is her own things, i don't

know, from the twenties, thirties, they are absolutely modern, so if on... a person, who do you think it could be? you know, i think not, because brilliant people, they are so original, we now know an example when from one fashion house, where he was a visionary and all that, he moves to another fashion house, and we see him, we do not see the codes of this house, that is, well

, at the level of gold buttons we see yes, but at the level of this spirit, no, but the spirit is. this is the spirit of rebellion, this is an analogue of what we see in the morzhel mazun, yes, when this tattered, ragged, absolutely simple comes into fashion, yes or when prada, when something like that, some retro, some kind of sweaters from grandma's chest, intellectual fashion, when they break the mold, traditional, familiar, against the background of some crazy glamour, now...

this is the easy money podcast, i am its host mikhail khanov, and today we are dealing with the most pressing topic, probably for most of us, how to save money when there is little of it and in general, more broadly, how to become. please note, i am not talking about successful, specifically rich, it is really important how to earn money correctly, and most importantly, how to treat it, we have collected questions that you, our tv viewers, listeners, just our audience , ask about all of our podcasts, and we decided that i would probably try to answer these

questions myself, and i would answer them in as much detail as possible and even strengthen them so that... you would feel that i am not just somehow avoiding the answers, saying, well , okay, look there, where, i don’t know, there are links in the description, something else, but i will really try to answer them as much, as thoroughly and as clearly and distinctly as possible, but before moving on to our burning topic, i would like to lay such a foundation, because the questions that you ask, the one that is the question that is put in the title of the program, yes, how to save money if there is little of it, what to do with the budget in general, where to get it from, yes, you are talking about some shares, bonds, here in general to make ends meet and there to live until payday, i think that this is akin to how you and i discuss what will be... the color of the wallpaper or the handles in the apartment, when we do not even have the foundation of the house yet, yes, this is actually foundation pit, 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 a solution yourself, because if it were simple enough, you would have already found it, but if this question still remains, then you really need a mentor, 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 carefully how you approach the choice of who you listen to, the books you read, or use someone's example, here i will say that the principle, the criterion for choosing a mentor, the choice of whose advice you listen to, is very simple: a person must either be successful himself, yes, well, like a coach, how to choose a coach, i don't know, for example, in figure skating...

translating this into the language of finance, or you torment your close friend with a question, 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 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...

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 this kind of programs, we listen to this advice, and say to ourselves: yeah, well, this is probably good, this is probably bad, this is probably great, and this is not great, this is me i will do, i will not do this, here i would like to say two things, as i always go... in my programs and lectures that i sometimes read for an audience, uh, 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 lying on the couch and take another one. 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 to improve your financial the situation, if it doesn't suit you now, then there's good news, there's 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 doubles, triples, and so on. and all this does not exist, because if it existed, 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 in the form of... labor costs, desire and most importantly motivation, 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 moment, when mm, we are talking about that you need to change, the environment that exists around you is very important, that is, if everyone around you looks at this world with sadness and says that well, everything is bad, nothing will change, 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, you can probably give me examples that here i have this, i have that, here it will not work, here is another principle, the most important one, which you must figure out for yourself, like our father, how to positively to relate to this world, not just get up in the morning, straighten your back, put on a smile , enjoy life, jump, clap, i don’t know, do exercises and so on, you always need to have a list of problems in front of you that you want to solve, right?

and let’s say, when you wrote, i want to change my financial situation, i want to change my income level, i want to change my specialty, change, i want to change this and so on, you write: “this is impossible, because i’m, i don’t know, 50 years old or even more, i have, then, such a low-paid specialty, i live there not in the strongest region or even in the village and so on, but you can’t, because here is the list. all of your, well, i call these excuses, reasons why you can’t do anything, you omit, oh well, i live like this, as it is, everything is very simple, you cross out you can’t because, write, you can, if, rework each point, yes, there, you can, if i get myself together, master a new specialty, you can, if i move to another region, you can, if in in the end i will finally go straight

to the manager and ask for the one that i think i deserve with my expertise, knowledge, and so on, and either i will look for another job there, because often we talk ourselves out of some opportunities, because it seems to us that it is impossible, you must tell yourself that it is possible, that all 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 you ready to endure some hardships now, are you ready to spend money your own development, carefully choosing a vector there, in order to, 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 there every day. so, let's move on to your questions, to those questions to which now, i hope that my answers will be more understandable, more reasoned, well, and you

will perceive them correctly. what should be done before you start saving? first of all, you you have to answer the question: why are you doing this at all, because accumulation 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 must clearly understand the answer to the question, why? the easiest way is, well , we will not talk now about the typical coaching techniques. posters all over the house, write on them in large markers, although this also helps, as funny as it sounds, but write it in your credit card, yes in your personal diary, there at the end, let's say, yes, everything that i do this year, i do it for, yes, in order to get a new specialty, get a new job, get a new position, grow in income and so on and so forth and so forth, again for what, in order to be able

to live peacefully, live freely. not to think, let's say, about money in the last week, month before salary, always have a 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 analyze your expenses correctly? a very common question, here first of all the answer is very simple: you should at least write them down for yourself, if you, as boring, banal and tedious as it sounds, yes, and there, well, i thought, now they will 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 down all 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, call a plumber, for housing and communal services and then you look, firstly, i 'll tell you right away that you'll be horrified by the numbers and the expenses that you make, that is, you don't seem to notice them, yes, you're just thinking, where? all the money went yes, it seemed like there were 10,000 there where did it all go there i didn't buy anything at all and now it's gone, like sand has flowed through my hands yes, so that this doesn't happen, you write everything down in the most detailed way , accept that a bad word accept it, be glad that you will be doing this for at least a year, and even better, maybe even more be with some kind of embellishments all the time that you want to happen to you during this time. changes, here is one very weighty rule, which is derived empirically, among, well, i myself personally went through this, and many of my friends, all in principle trainers say about this, that always, regardless of

the level of your income, you can always take 10%, put them aside and not spend them, that is, you received, say, a salary of 15,000 rubles, you took 1,500 rubles and put them aside, i deliberately take small numbers, yes, so that i was not told, then you can take it there , it is clear that when 100 thousand, 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, just under threat of death, no matter what happens, i do not touch them, well, there is only there, i don’t know, god forgive me, the death of a loved one, i need to spend this money there, there is nowhere else to get it, learn to live without 10%, you will be very surprised how simple it is, it is really simple. a very striking example of how, for example, to wean children from the fact that so that they uncontrollably ask for toys, or something else, press on their pity, you feel uncomfortable every time you refuse

a child, there is no money and so on, allocate this amount, i actually did it myself, allocate it to children there, starting from a certain age, when they already consciously react to the refusal to buy something, allocate a budget for them, 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 they come and say: buy me this please, dad or mom, you say, buy it, you will be very surprised, the children almost immediately go into a stupor, they don’t buy, they look, they think, well, some kind of nonsense, i can do something calmly, i really don’t know what ’s going on in their heads, but a huge amount of unnecessary 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, please buy it, buy it,

podcast easy money, its host mikhail khanov, and we continue our conversation with you about how to save money if there is very little of it, but in fact about how to start. and there was one hero, 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 a maximum of a year left to live, maximum, well, under the best circumstances, she had a fleeting inflammation, it spread to the second lung tuberculosis, and he had a year to live, what did he do, he shared his... some sleigh rides, something else, some excursions, concerts, performances, they went to lectures there, they just partied, lived and so on, in the tenth or eleventh month he went into remission, that is, he, that is , the doctors were shocked, how is this possible, 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 person recovered found himself in a shock situation, because he was absolutely healthy, he was rich, but now he spent everything, yes, it would seem, well, just in a 100% situation, when

well, why would i need money, and if there is a flood tomorrow, we only live once, and especially he knew that he would die in a year, he did not die, this also happens, and he was generally in shock, he did not understand, that is, how should he live on, yes, therefore think about the fact that a... now this is, you know, like the effect of alcohol, yes , now i feel good, but in the morning i will feel bad, like protect yourself from these expenses, from this psychology, this is only your job, this is only discipline. just imagine what you will do tomorrow with this expense, remembering how much it cost, just remember this phrase: you are trying to buy yourself joy, but you are buying it for a very short period of time, if this is really an overspend, which is not in your budget now, yes, now here, this piece will be good for you, and then you will start saying, well, why did i do this, yes, like that and not really. as it should have been, well, yes, i was happy, well, not as i wanted, but the fact

that i got a hole in the budget, yes, it knocks me out, and i'm already done, all the joy has already passed, that is, if you want to buy yourself joy, remember that it's better to change yourself, start earning more, change your profession, your approach, and you will receive this joy, constantly, just rejoice, let's remember again, yes, that you should go to work with joy, if not, change... change jobs, and if there is no work in the region, well, then you need to change the region, also once, yes, these are the very quantities 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 to sit with a sour face and say: no, well , everything is bad, yes, we remember, yes, it is impossible, because, here it is precisely necessary to cross out, change to it is possible if, here from the introductory part in our program, how to form a habit of saving? money is also the most frequent

question, but again i will be captain obvious, just you know, start saving, a habit is formed by constant repeat actions, yes, start with something simple, write down all your expenses and in parallel, just starting from the next month, when there is a salary, just in a voluntaristic way, take 10%, put them aside so far away where you will not be able to get them. listen, i can say that

the situation is absolutely unique, 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% annual, 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 thousand net profit and so on. if we are talking about millions of rubles, and i know that there are even many pensioners, many grandmothers, just as a banker with huge experience, accumulation, there our grandmothers and grandfathers knew how to save much better than we do, they simply saved for themselves in everything, simply put aside.

life, how much does it cost to put aside each month, well, i already said that you can put aside 10% absolutely painlessly, well, let's say, you won't feel this change much. 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 that you can 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 a sharp question: are they also ready to share your desire for changes, transformations? well, probably, in each situation it is necessary to decide on this very situation and everyone should answer this question for themselves. practically no one will notice, then it is necessary to explain to everyone who participates in this, in this transformation, why are you doing all this and how long will you have to live like this, and what exactly will we lose, does the method of transferring part of the savings into another currency help?

here is such a very interesting question, that is in fact, when we talk about currency, this is already the beginning of a stock exchange speculative game. there are two reasons why we try to buy currency, this is the so-called currency safety cushion, yes, when we have a certain amount of money lying around, and we don’t pay attention to the dollar or euro exchange rate or what’s popular now, well, yuan doesn’t lie around, it lies in non-cash form, as alternative currencies to the ruble, if we say that we, let’s say, don’t believe in the stability of the economy or 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, so you just have foreign currency, because you will start torturing yourself, and what is the exchange rate today, and what is tomorrow , if i had bought it then, if at that time, and you only torment yourself with this, that's it, so you

have decided that there you have, conditionally, 1.00 dollars or there, as it happens, 500 dollars you always have, if you are not ready. money, mikhail khanov is still with you, and we continue the conversation about how to learn 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, getting a salary with interest on the balance, deposits and, well, i can say this, that

the most, in my opinion, is the best tool to get to use. from the state for those people who pay taxes, yes, this is to get a deduction on an individual investment account iis, i will not go into details now, but in principle there are amounts, if people have several there millions of rubles that need to be invested, i think that they themselves have already devoted enough time to studying this issue, if not, then well, for amounts up to a million, you can always get a tax deduction from four... rubles deposited in this account, and you actually get 52,000 rubles of tax deduction , the state will return them to you if you paid more taxes this year, well , that is, this amount is easy to calculate, 400,000

is somewhere around 30 5, even a little less than 33 with something 33,000 rubles, if you have a salary per month, then you pay on... taxes on 52,000 per year, so if you open an individual investment account for 400,000, you will get 52,000 back. are there any special offers for banks? yes, basically it is cashback now, that is, it is a return - in fact, marketing promotions for banks and networks or some enterprises, when you are already conducting these trades, but you will simply receive a return, i have all the top banks there, like us. they say, there are red and blue, and green, they are all yellow, they all conduct similar promotions, i know, financial consultants, working, not just private ones, but some kind of consultants, who get by with consulting from time to time, but these are serious people working...