Now about pension savings. Often they are understood not so much as an increase in government payments, but as a long-term savings program that helps to save money over time. And at the same time receive various bonuses from the state and banks, use the right to a social tax deduction, and so on.
Important: according to experts, the size of the "financial cushion" should be 3-5 times your average monthly income. Provided that it is enough to satisfy not only basic needs, but also a comfortable life in general.
Large purchase
Planning is not only required for purchasing an apartment or a car. Often, it is difficult to buy household appliances, materials for repairs and many other things without it. As part of planning, you can formulate gansu mobile number database a specific goal, think through options with savings and the use of credit funds, calculate the feasibility of various methods of acquisition, and so on.
The main thing is to buy at the right time and on the most favorable terms possible. This is what planning is for. Remember that avoiding emotional purchases is the golden rule of financial literacy.
Forming initial capital is the first step to starting a business. You need to understand what funds it will consist of, whether you will attract investors or use borrowed funds, how long you will save money and how. Most often, bank accounts are used for long-term savings, but there are alternative options.
In any case, you will have to develop a full-fledged financial plan. Sometimes it is difficult to create it without professional help. But if we are talking about opening a small enterprise and a sum of up to 1-1.5 million rubles is enough to launch the business, then you can probably cope with this task yourself.