How to save money? How to save money in a crisis

Undoubtedly, the unfavorable situation in the Russian economy negatively affects the quality of life of citizens, who today are completely puzzled as to how to save money. Against the backdrop of the instability of the national currency, the price of oil, and the decline in investment in the country, this issue is of paramount importance. And there is nothing surprising, that many people think about how to save money in such difficult conditions.

The situation is also complicated by instability in the banking segment. As a result, citizens no longer have full confidence that by means of instruments such as a bank cell or deposit, you can save your own savings. And keeping them at home "under the mattress" is also far from the best option.

The reasons for the deterioration of the economy

Before moving on to the issue of how to save money, it will be more appropriate to determine why Russia's economy is going through far worse times. The reasons for this situation are the following:

1. Hostile policy of Western countries. The economic sanctions of the leading Western European powers, the decrease in the number of foreign investors, the corruption component - all this seriously affected our financial market.
2. Dependence of the Russian economy on oil prices. Unfortunately, the Russian economy depends on commodity trade. The fall in the cost of a barrel of oil automatically reduces the ruble's rate, as a result of which the domestic central bank raises interest rates.

Taking into account the above, it is really very difficult to predict where it will be profitable to invest capital, let alone how to save money.

Expert opinion

At the same time, some of the economic observers are convinced that the country in the near future expects a decrease in the level of household incomes and a reduction in lending in the banking sector. In the second half of the year, the economic situation will improve somewhat due to new investments and projects.

Almost all experts are inclined to believe that the Russian economy, along with other factors, will also be determined by the political "component": the imposition of its opinion by Western European countries, the attempt to realize territorial claims.

A blow to the banking sector

Another serious weapon that can be used to destroy the Russian economy is the country's disconnection from the international SWIFT system. If this happens, then the opportunity to manage Western investments and own capital, placed in foreign banking institutions, will be reduced to zero.

Ways to save your own savings

So, how to save money in a crisis? For someone, the latter is a cruel threat, and for someone - an opportunity. That is why today one should not choose a wait-and-see attitude and watch when the economic situation in our country will straighten. On the contrary, it is necessary to show all activity and action.

Investments in real estate

Do not know what to buy in order to save money? An advantageous investment of capital remains and will remain the purchase of land, residential and commercial real estate objects - this is a "stable currency". However, do not forget that apartments and offices from time to time become cheaper, so you should buy them in developing cities, where their value in the coming decades will be reliable.

Considering the question of what to buy in order to save money, it should be noted that by becoming the owner of luxury apartments, do not expect that you will return the investments spent in several months - this will take several decades. If you are not ready to wait that long, then you should choose other options for increasing capital.

Foreign exchange investments

Do not have the faintest idea how to save money in a crisis? The optimal way is to convert a certain part of the "hard earned" into foreign currency (euro, US dollars, Swiss francs). Against the backdrop of the volatility of the ruble, such a measure would be very appropriate. However, in any case, a part of your income must be kept in the national currency, since it is very difficult to foresee what its leaps will be at this or that moment.

Bank deposits

If you are seriously concerned about how to save money from inflation, then the most common answer to it will be: with the help of a bank deposit. At the same time, you should not forget that using this tool is beneficial only if the storage of funds is meant for a long period, and the financial losses may exceed the interest. Before entrusting your capital, carefully check the reliability of one or another banking institution. From the whole range of bank deposits, choose one whose conditions allow you to withdraw the deposit completely or partially without loss of interest. It will be right to keep your savings not in one banking structure, but in several (note that the size of one deposit should not exceed the amount of 650,000 rubles - the insurers give a guarantee for the return of the deposit to 700,000 rubles).

Dragmetals

Some solve the problem of how to save money in Russia, in a traditional and proven way - they buy precious metals on them. However, some experts believe that this is not only a standard, but also a risky way to save money. They explain their position by the fact that silver and bronze are exchange products, therefore, their price can seriously fluctuate. A huge number of Russians prefer to keep their capital in gold, since this precious metal never becomes cheaper, but only more expensive. In addition, gold has the quality of durability, which means that in 100 years you can sell it with profit for yourself.

Investments in mutual funds

Do you want to learn how to save and increase money? Invest them in one of the reliable property complexes, whose activities will be coordinated by the management company. This type of investment is something average between activity in the stock market and a bank deposit.

The most promising in terms of benefits is investing in bond and equity funds. However, be prepared for the fact that you need to be able to rightly take risks.

Promotions

If you are seriously worried about how to save money when defaulted, then it's best to invest them in stocks. These securities have good liquidity, and if you are able to handle them correctly, you can significantly improve your own financial position. Again, one should not think that selling and buying shares is an easy occupation that will bring fabulous amounts. We must constantly be aware of the events: every day to analyze the news, become a timely participant in the auction and be able to competently play on the exchange difference. In any case, you are waiting for the following: either you will become a millionaire, or you will be ruined.

General recommendations

If you do not want to lose your savings, reputable experts recommend adhering to certain rules of conduct.

First, form a reserve fund for yourself , which will be replenished monthly at a rate of 10% of your earnings. If suddenly there will be "black days" in the economy, then the deferred money will help you to stay afloat for a while. If you are the owner of the company, you should also create a reserve fund, which will receive money for unforeseen expenses.

Secondly, learn how to save. In recent years, the level of consumption in society has grown to a huge scale, when both necessary and unnecessary things are bought. The economic crisis reduces the degree of purchasing power, and the consumer starts to spend money wisely.

Thirdly, regularly analyze the expenses of your family. Think about what costs you can refuse.