Cheese, Manicure And Cinema: What People Refuse To Save Money

A life 2023

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Cheese, Manicure And Cinema: What People Refuse To Save Money
Cheese, Manicure And Cinema: What People Refuse To Save Money
Video: Cheese, Manicure And Cinema: What People Refuse To Save Money
Video: Sneaky Ways Movie Theaters Get You To Spend More Money 2023, February
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Today more and more people are talking about conscious consumption: giving up unnecessary is good for the environment and for ourselves. But the desire to give up something can be trivially connected with economy: the real incomes of Russians have been declining for several years in a row, so budget planning is also a serious necessity for many. We asked ten heroes (their names have been changed) to tell us about what they have recently given up on spending and about their attitude towards money in general.

Interview: Elena Barkovskaya

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Irina

Income: 110 thousand rubles for two adults and a child

Refused from short trips and frequent trips to cafes

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A few years ago, my husband and I earned a little more than this amount, but at that time it was considered decent - we did not limit ourselves in anything, we traveled. The situation was slowly changing, and about a year ago I realized that I had to start keeping a budget and try to put it off: you never know, money is urgently needed. Having roughly calculated the costs, I realized that 65-70 thousand rubles should be enough for life, excluding large purchases.

The most logical expenses to avoid: short trips, restaurants, cafes. We really started to go to cafes less often, and when there is a desire to buy cakes in a bakery, I ask myself if I really want them so badly. It is foolish, of course, to limit yourself to what you love, but there is nowhere to go. I only hope that income will increase soon and there will be no need to constantly slow down. Although, perhaps, saving will become a habit: the other day we met with a friend in a cafe, and I paid 1400 rubles. I came out a little upset, figuring that I could have saved this money - such a thought would definitely not have occurred to me several years ago. I know one thing for sure: I will never save money on a child.

I would not say that I was once obsessed with money: I never wanted millions, I do not believe that hard work seven days a week pays off with money. Although now I admit with some sadness that our family will never become the middle class, never change an apartment for a large one without a mortgage, despite the fact that we both work. It sounds funny, but sometimes I even think about buying a lottery ticket - suddenly I get lucky.

Olga

Budget: 60-70 thousand rubles for two adults and a child

Refused part of the cost for yourself

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A couple of years ago, I had to leave the media, because they stopped paying, and get a less creative job. Plus, I began to earn money as a freelancer - copywriter, project coordinator, for the most part it is low-paid. I even tried to sell things that I don't use, but it turned out badly: I sold the only shoes for 400 rubles and ended up there. The husband works in the field of home Internet, which, despite the crisis, is still developing and growing. We spend everything we earn. Our expenses are ordinary, mainly food. Perhaps this speaks of a low standard of living?

It is difficult to remember specific things that we had to give up: in recent years, our life has changed a lot, not so much because of the crisis, but because of the birth of a child. In addition, I did not spend much on myself before: I still go to manicure and pedicure two or three times a year, I buy clothes in the mass market, and I hardly buy expensive cosmetics either. We eat simple groceries from inexpensive supermarkets, travel to Europe about once a year, try to find cheap tickets, but still comfortable accommodation.

What I can't refuse is going to a cafe with my friends. Let it be more economical to drink coffee at home, but sometimes I will still drink it in a cafe, and where I like it, without thinking that it is cheaper nearby. In addition, I will not give up dancing because I love them.

When a few years ago there were difficulties with a salary, I got a little fixated on money: whether I had it in my pocket changed my mood.I had to borrow or ask for help from my parents, which at twenty-six was not very appropriate and humiliating, but I work. Then I got another job with a stable salary, and this acuteness passed. During interviews, I asked directly about salary and possible delays. I realized that this is important and that these questions should not be considered uncomfortable.

I would like to be easier about money. I have an irrational belief that poverty is in my head: if you struggle with little money, money will not appear, and if you spend it easily, it will return to you.

Kseniya

Income: 60 thousand rubles for two adults and two children

Refused from beauty salons and shopping outside of sales

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I have always followed the money. Even when there were no children, we did not spend money on going to the cinema and cafes - we preferred to postpone, and we did it quite successfully. But in the last year, our income has dropped significantly, and we stopped saving. Now I do not go for a manicure or pedicure once again (except for a holiday), I began to go to online stores less often so as not to tease myself: I want new clothes, but opportunities are limited. Now if I buy something from clothes for myself or for children, then at sales.

I'm on maternity leave now, my second child is small. But I still take a small part-time job, plus I earn a little on my hobby - I make inexpensive jewelry for sale. My husband recently left his job: he began to earn little money and decided to re-profile, so he is taking courses, wants to become a programmer.

Now the bulk of our budget is spent on food, we buy mostly farm products. Further - utilities, a kindergarten, about once every two weeks we go with a child to a children's entertainment center. We purchase diapers and disposable nappies for the youngest child. I think that in Moscow the budget of a family of four should be 150 thousand rubles or more. Then you can pay all the bills, kindergarten, shoe and dress the child, provide additional activities and circles. And also buy clothes, groceries, have fun on weekends and at the same time save up for vacation.

Vika

Income: about 160 thousand rubles for two

Refused from part of travel, clothing and cheese

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I had to leave my favorite craft, which was poorly paid, and find a job in a related field with a more stable and higher salary. I think the normal salary for two in St. Petersburg is 120-150 thousand rubles. Normal is indulging yourself in good clothes, sometimes going to cafes and restaurants, traveling often, paying loans and helping parents. It also includes spending on medicine, sports and food.

What have I had to give up lately? From cheese. There is not enough quality domestic, but the European one is not sold because of the sanctions, or it is very expensive. But I got used to it, and when I really want to, I order from Finland. I also began to buy fewer clothes and travel less often in Europe - now more domestically.

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Katya

Income: 80-90 thousand rubles for two adults and three children

Refused part of the purchases for myself and my husband

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There was no such abrupt transition that, once we woke up in the morning, we began to live much worse than before. Just if we recall the times of five years ago, then for two thousand rubles in the store we collected a full cart of food, and now for the same money we buy a daily set of necessary products for our large family. Or earlier we could have dinner with our family in a restaurant on a typical day, but now it is too expensive for us. But on the other hand, another child was born in our country, and the older children are not yet earning money on their own, and spending on them has also increased. We spend much less on entertainment (cinema, cafes, bowling), and more on everyday needs: food, clothes and shoes (mainly for children), extracurricular activities.

How is our budget distributed? We save our middle son for travel and the most modest school snack, about 10 thousand a month - for tutors.We give at least a thousand rubles a week for pocket money: he is an adult guy and should be able to go to a cafe with friends at least occasionally and not blush there. It turns out 20 thousand, and this is without food and clothes. We spend about 10-15 thousand on the eldest son, who is studying at the institute. He works as a waiter in a cafe on weekends, but he is paid very little. We also spend on a garden and mugs for the youngest child, for travel and lunch for my husband, for a communal apartment. The rest goes to food, and the rest to medicine, the most modest fast food, necessary clothing. My husband and I have not been able to afford anything for ourselves for a long time.

At the same time, my husband got a better job a year and a half ago, but I, on the contrary, lost a stable income - first because of the decree, and then because of the situation in my profession - and now I am studying. The husband changed his job, because it became impossible to live on the 40 thousand that he earned. Maybe he would have been going to leave for a long time, but layoffs began, so I had to look for something. He mastered a new programming language, studied for three months without receiving a salary. It was a difficult period. But I really like the IT sector, where my husband now works.

I think our family needs at least 150 thousand rubles, and better - 200. In order not to limit yourself in products, take in the store what you would like, and not for a special offer. All the time you have to find a balance between benefits and benefits. I would also like to be able to buy new jeans and sneakers for children at any time (the clothes on them just burn). And of course, entertainment - nothing super-expensive: average cafes, movies sometimes, go to a bar with your friends. And so that at the end of the month there will be at least 10 thousand free ones.

In general, the thought of money plunges me into sadness: I have to pay for my son's graduation, to cure my teeth, but there is no money. And there is no way out, before there was much more optimism and hope. The cost calculation showed that we do not eat too much, as I previously thought, but simply everything is really expensive, and the income is too small.

Pauline

Income: about 100 thousand rubles for two adults and a child

Refused from travel

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I have never lived on a grand scale, and in 2014 I took out a mortgage, so it became more difficult with money. It’s sad to admit, but I’m so used to giving up something until there’s no possibility, that I don’t know what has changed in recent years. Although we have definitely given up traveling in the family.

I think that now we spend about 40 thousand on food, we also spend on a paid kindergarten (the amount depends on the number of visits), on gifts for the child, birthdays, rest. Almost every month there are medical expenses: dental treatment, vaccinations, illness. I want to learn how to manage finances - allocate a budget for a month, track. But every month you need something: either a closet, or a stove, or a birthday, or a New Year.

I definitely would not be able to refuse restaurants and cafes, from coffee in coffee shops. I got used to them, this is a marker: "Nothing has changed for me, everything is fine." Of the basic things, I will not give up high-quality products and things for a child. By the way, I began to refuse things for myself - perhaps due to the fact that I work from home. What can I say - I am an ordinary Soviet child: I can do without almost everything, but this does not mean that my child should be deprived of something.

Irina

Income: 180 thousand rubles for two adults

Refused from frequent purchases of clothes

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Over the past five years, my salary has not increased, but at work everything is more or less stable. But my husband is now out of work, they had a terrible situation: the salary is mostly unofficial and it could be delayed. We did not buy especially a lot of products, but we never denied ourselves clothes, including unnecessary ones. Now we buy fewer things, because clothes and shoes have become more expensive - for example, good boots for less than 8-10 thousand rubles still need to be looked for.

In general, everything is very expensive in Moscow: my fare per day costs 160 rubles, lunch - 200-300 rubles. These expenses alone amount to about 8 thousand per month. And if you regularly go to the cinema, theater and cafe it will significantly hit your pocket.How much is optimal to earn? It seems to me, provided that you have your own housing, 100 thousand will be enough for a family (food, clothes, and you can save up, for example, for travel). If you need to pay a mortgage - 150 thousand. We are just paying.

Svetlana

Income: about 30 thousand rubles for an adult and two children

Saves as before

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I do not feel anything new: as there was not enough money, there is not enough. I don’t do manicure, don’t buy things for myself, I live as usual: buy food, pay rent, pay for a child's circle. I would really like to buy myself some things, such as boots, or spend money on travel, if there were extra ones. I would like to travel around the world, take the children somewhere, show them interesting places. Now, having rested in the summer, I pay off my debts for a whole year. The salary goes to rent and rent a room for his son, who is studying at the university. I give him 8 thousand a month, the youngest son takes 2500 for the circle. These are expenses that cannot be waived. Everything else is food and a minimum of clothing.

You try to save on everything, save, but it turns out badly. You feel like an inferior person when you don't have enough money - very constrained in desires and thoughts. There is a feeling that money is becoming the goal of life. Sometimes you want to run away somewhere where there is no money, TV and phone - just live, lie, admire nature.

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Helena

Income: pension about 12 thousand rubles

Refused from nuts and dried fruits

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I gave up nuts and dried fruits. My usual menu consists of cereals, pasta, chicken, rarely apples and milk. Entertainment and entertainment activities are not available to me. I can buy gifts for my grandchildren more than modest.

Peter

Income: 180 thousand rubles for two adults

Refused from part of travel

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I started working seriously in 2013, and it was only by the end of that year that I got my first salary, which was enough for more than just meals and a travel card. She slowly grew, there was an opportunity to postpone something and even plan trips. Before the beginning of the crisis, I managed to go to Tunisia - it began to seem that even with not the most money, one could go abroad several times a year.

But there were sanctions, a drop in oil and euro prices by a hundred. Despite the panic in the news and social networks, I did not lose my job, like almost everyone I know. Moreover, the salary continued to grow, but now it was only trying to keep up with the dollar and euro exchange rates and rising prices. From 2014 to 2016, the salary increased exactly twice, but it seems that inflation has eaten most of it. Quite frankly, even now, any long trip abroad forces you to plan a budget.

Before the start of the crisis, I practically did not earn money, so I cannot say what has changed. But there is a feeling that, for example, vacation and purchase of equipment in the past would have been much easier to bear.

Dmitry

Income: 55-65 thousand rubles

Has become use loans more often

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Like many of my friends, I felt noticeably impoverished after 2014 for the first time when I went abroad. It's one thing when prices in local grocery stores slowly creep up - there by a ruble, there by five, a chicken by the grain, it seems to be noticeable, but not so striking. And it’s quite another thing when you buy a pint of beer at a bar and realize that although its price has not changed, it costs you one and a half to two times more than it was six months ago. The beer metric is not ideal, I do not insist on it at all and I think that those who are used to buying clothes and shoes abroad have felt the changes even more sharply. But in moments like this, the ugly truth about the relative value of money, which you once read about in economics textbooks, appears before your eyes like unwashed pants.

Perhaps, it was from that moment on that loans firmly entered my life and the lives of many of my acquaintances. Because no matter how much we joke about the buckwheat course, we are actually not ready to give up the usual standard of living.You can tighten the belt, but after a while it begins to suffocate - and this is damn uncomfortable, no matter what mantras you say about millions of hungry people, convincing yourself that everything is not so bad with you. In addition, if you can save on food without using a credit card, then tickets for airplanes, festivals, matches will not wait, you need to spend on them now - or later you will have to pay even more. At the same time, the main items of expenditure in the personal budget are still renting an apartment and food. In recent years, my income has been at the level of 55–65 thousand, and in general, it is possible to live in Moscow on that kind of money. But the feeling that you live on an ice floe that breaks off piece by piece and gets smaller every day does not disappear anywhere.

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