«Where does money disappear and why is it constantly not in your pocket?» — this question worries most people. Yulia Sakharovskaya gives up-to-date tips on managing and correctly disposing of money.

This book is a good textbook on handling money. She will teach you how to handle money properly:

make a personal/family financial plan;
spend money on really necessary things;
save both on daily expenses and on expensive purchases;

This is only part of what the book is about. First of all, I recommend this book to young families who have a hard time coping with the planning of general expenses. Julia tells not only how to save, but also how to increase money capital.

Today, there are many financial instruments that most do not know about or have an erroneous idea (deposits, cards, mutual funds). Of course, you don't need all the levers of financial management, but you need to know about them. The knowledge gained will be enough to simplify your life and save time. Don't forget: Time — Money!

It turns out that «current embezzlement» — is the most striking example of the Bermuda triangle in the family budget. These expenses are the hardest to control and reduce. None of us wants to save on food :)

And in the end, I suggest reading the best thoughts from the book:

Always ask yourself the question before buying — «Is this thing really necessary now?». Buying things now, you will spend more than making an informed choice of the place of purchase. Not to mention the fact that spontaneous purchases are often completely unnecessary.

Many people have a dream, but they move away from it, thinking that they do not have enough money to realize it.
To manage your money, you need to have a personal financial plan.
You need to start saving as early as possible, even small amounts. This will greatly simplify your life in the future.
Look not for a clinic, fitness center, beauty salon, but for a doctor, cosmetologist, trainer. Do not overpay for big names.
When buying a property, clearly understand the purpose of the purchase.
It is fraught to remain an adherent of extreme points of view.
Write down the amounts for your goals and include them in the budget.
For effective financial management, it is not enough to fix only current income and plan for the month ahead.It is necessary to set goals and form savings.
It doesn't matter how you manage your budget, — the main thing is that you are comfortable :)
Financial planning — is the financial protection of yourself and your children in the future.

Do not forget that a personal financial plan is the main document and money management tool.

"Where does the money go?", Yulia Sakharovskaya

Buy on litres.ru

Instagram Facebook and social networks owned by Meta Platforms Inc. are prohibited from operating in the territory of the Russian Federation.