my guest today is natalya kolbasina, financial consultant. l health of the national center for financial literacy. hello natalya and let's start right off the bat with questions, moreover, the questions are direct, specific and sometimes quite complex. i hope not for you. who in the family is responsible for the finances of the husband and wife, here, if you just answer differently in each family, it depends, firstly, on the agreements in the couple. and also from the one who likes to do what and who does what more and better. and for example, a wife may be in charge of the vestibule because she likes to count plan to follow stocks, and a husband may be responsible for strategic financial goals and invest who should control the budget and say. so even who controls it most often, according to statistics, such statistics are clear, well, there is no directly reliable, as they show. here is my eight year practice. here, too, it depends on the agreement in the family. but if there is a financially literate woman in the family, as a rule, she is ha

is the only one this is an easy money podcast, and i am its host mikhail khanov today we have natalya kolbasina, financial consultant of the financial health expert service national center for financial literacy. and we are talking about the family budget, and life hacks for a mixed budget. yes, what can be said? that's when you see all the spending, yes, when you how to say, yes, what is it spending does not fall into any of the spheres is precisely a waste. they are an acquisition. that is, you say it like this. for this, there is no longer. we already have one, in the first place. again, i am in favor of evaluating these expenses not one-time, but in the future, for example, for a year. well, how much what amount does it run up again for what, in order to turn on that same financial awareness and understand that if 10-20% of your annual budget is spent on some spontaneous spending, then, well, in fact it can be, for example, on your vacation. well are you ready for it or not? well, on the other hand, we are people. we are generally emotional beings and it is impossible to refuse spontaneous