It is difficult to find such a person who would notaffected the problem of shortage of funds. Many people simply do not know what can be done to save all savings in such hard times. To ensure that the budget does not suffer during the crisis, it is necessary to conduct a thorough analysis of the personal financial situation and take decisive action.
Instructions
1
Keep your personal budget. For these purposes, create a special notebook and divide it into two columns. The first will display all your profits, and in the second column, write down even small cash transactions with cash. Over time, you can conduct an analysis, identify unnecessary costs and how to exclude them. Thus, it will be possible to raise the level of income.
2
Delay each month 10% of all receivedarrived. In a one-time form, this amount will be insignificant, but in time you will be able to accumulate enough funds to act in unforeseen circumstances as insurance. If you want, you can increase this amount depending on the circumstances and opportunities.
3
If you have freemoney, you can put them on deposit in a reliable banking institution. Usually, large banks offer about 8-10% per annum on deposits, which is roughly equivalent to inflation. This method of preserving a portion of its capital is the simplest and most accessible, but it is not necessary to rely entirely on an unstable banking sector.
4
Think about buying a property. Money very quickly can depreciate, but objects such as a country house, cottage area or urban living space will always be in demand and costly. Such an investment in real estate can help not only to save already accumulated finances, but also to multiply them. There are two ways of making a profit: - buy a house at an early stage of its construction, and when the house is put into operation, resell it at a higher price, the approximate earnings from such an investment will be from 20 to 50% per annum - you can also earn on the rental of the acquired housing space for rent, in this case the annual yield will be about 4% -7%.
5
If you have significant capital, invest it in precious metals. This applies to gold, since it almost never lost its value.
6
But from investing in stocks better refuse. Even during the economic recovery this option may be risky. Especially if you do not have the skills and knowledge that could help in assessing the prospects of a particular firm or company.
7
Continually work to improve yourfinancial intuition. For any investment, ask for advice from experienced and professional consultants. Never trust your money to the first financial institution you find. Every step should be well thought out, only then no crisis will do no harm.
Tip 2: How to save money in 2014.
How to save and protect accumulated funds fromcrisis and inflation? This question is relevant as ever. It is very important not only to protect money from depreciation, but also to multiply them. There are several methods of investing. Everyone can choose the right one, depending on their requirements and capabilities.
The simplest and most reliable way of keepingmoney is a bank deposit. However, this type of investment is low-yield, because the interest on the deposit does not cover the rate of inflation. Despite this, keeping money in a bank is much more reliable than under a mattress. An undeniable advantage of a deposit is a state guarantee, simplicity, accessibility and low entry threshold. Therefore, many people prefer this method of investing. You can save money in a bank in rubles, dollars or euros. The economic situation in the world is very unstable, so what currency is more difficult to say is difficult. Interest on ruble deposits is higher, compared to other currencies. However, there is no guarantee that the ruble will retain its positions and not become cheaper. It is better to keep the money in the currency in which you will spend. This will help to avoid losses in the exchange of funds from one currency to another. To preserve and protect personal savings from inflation, you can divide money into three parts. For example, 50% of your own money is stored in rubles and 25% in dollars and euros. With a reduction in the rate of one and the rise of another currency, there will be a loss compensation. Interest on deposits will bring a small profit. Such a method will avoid default or crisis. It is very profitable and reliable to keep money in different currencies. In addition to the usual ruble and dollar deposits, banks offer a multi-currency deposit. All your money will be stored on one deposit, but in different currencies and in certain proportions. The advantage of such a contribution is the ability, without restrictions, to exchange one currency in another at any time you wish. At the same time, the difference between the purchase rate and the selling rate is lower than when exchanging the usual method in the bank. You can put money in not only money notes, but also in precious metals - gold, platinum, palladium, silver. Banks offer to invest in OMC (depersonalized metal accounts). To make a contribution to the compulsory medical insurance, you need to go to the bank and buy the number of grams of metal you need. On your account will be credited not rubles, and grams of metal. Invest in precious metals is recommended for a period of at least one year. PIF - unit investment funds allow you to invest money in stocks and bonds. The income is higher than that of bank deposits. A low entry threshold makes Mutual Funds accessible to any person. To buy shares and bonds do not need special knowledge. The investment company is engaged in investment management. You only need to choose in which investment fund to invest money. You can also deposit money in securities yourself. The value of securities in the stock market changes every minute. The investor can choose independently, where and when to buy those or other shares and bonds. Trading in the stock market can enrich the investor, and may even go bankrupt in one day. Therefore, in order not to lose all money, it is necessary to have the appropriate education, skills and experience. The most reliable and promising investment of accumulated funds is real estate. There is always a demand for housing. Buying an apartment it can be rented and receive income. In a few years you can resell twice as much. Keep money on the bank deposit only if you are going to buy something. Therefore, all free money should be invested in real estate. Let it be an inexpensive garage or a piece of land. As soon as you save up more money, buy a room in the hostel, then an apartment and so on. Remember that under all circumstances, real estate will be valued dearly. When the financial crisis comes around, do not try to return all your money back. You can lose some of the accumulated funds. Think and calculate the possible risks. During a crisis, it is very profitable to invest money. The most important thing is to diversify your investments, use different financial instruments. The right investments reduce the likelihood of losing all money and bring a high income.
Tip 3: How to deal with loans during a crisis
If you are not a clairvoyant or experienced financial analyst, it will be extremely difficult for you to predict when the next world economic crisis will come to an end. Whether to take loans in time Crisis or wait, largely depends on the type of loan, its need and your financial situation at the moment.
Instructions
1
Consumer loansConsumer loansloans only in the event that you really can not do without the thing that you were going to buy. At first glance, such loans are very convenient. They are usually unsecured. You do not have to leave an apartment or car as collateral. The amount is relatively small, and it seems that you can pay in any case. But rates on loans in time Crisis significantly higher than in other time. And for a vacuum cleaner, a sofa or a fur coat, you will have to pay a large sum. Financial analysts advise you not to hurry. It is better to wait, when the rates go down or accumulate on the right thing.
2
Car loans Do not buy very expensive machines, payments for which will account for more than a quarter of your monthly income. After all, in time Crisis the risk of losing a job is quite large. It is more profitable to buy a car of economy class. After all, competition in the automotive market is very high. And in a crisis people try to wait with big purchases. Therefore, rates on auto loans in this period do not rise much, and sometimes even become lower.
3
Mortgage loans Purchase property if you have no problems at work and there is an accumulation in the event of an unexpected loss of workplace. The fact is that in time Crisis there is an increase in unemployment. Therefore, the risks of remaining without a permanent income are very high. But on the other hand, in the midst of the financial Crisis real estate usually falls in price. If you have confidence in yourself, buying your own apartment in a mortgage in such a time can be a profitable purchase.
4
Credit cards Use credit cards correctly. Banks in time Crisis persistently offer to take advantage of theircredit cards. But you need to remember that a very high commission is always taken for cashing, both in your own ATMs of the bank and in outside banks. Use credit cards only in shops or places where you can pay by bank transfer. For this, interest is not withdrawn. In addition, most banks provide a grace period of one to two months, when the bank's money can be used without paying interest.
Tip 4: How to save money in default
In the past few years, inflation has been steadily gaining momentum, the world lives in fear of the global economic crisis, and the economy of the leading countries can not get out of a state of stagnation.
Against the backdrop of such events, it would be appropriate to reflect on the question "how to save money in default?". There are several ways to not lose your savings during a crisis.
Bank deposit
This trivial at first glance is the wayone of the most reliable. It will not allow you to make a profit, because the expected high interest on deposits will absorb inflation, but will save money. To reduce the risk of loss of savings to a minimum, it is necessary to place funds in banks of the first category and store money in multi-currency deposits.Common consumption goods
Acquisition of a car or household appliances canprove to be a win-win investment. But we must take into account the fact that these items become obsolete at a high rate. Therefore, when buying should be guided by the need for this or that thing, otherwise there is a high probability that such an investment will be ineffective.Shares and securities
Purchase of shares or securities may beliquid only in the long term. The minimum expedient term for such investments is 3-5 years. You must invest in at least 3-4 companies.Antiques
The purchase of antiques and vintage things can be considered one of the most reasonable investments of money. To do this, it is necessary to understand well the specifics of the antiquities market.Starting a business
During any crisis or default, some people andcompanies are enriched in dozens of times, while others become bankrupt. For self-confident people with a commercial vein, a default can be an excellent start for opening your own business or buying an already running business at a low price.The property
Buying property is one of the mostcommon ways to save your money. However, it should be borne in mind that the purchase of unfinished objects can be too risky. It is optimal to invest money in real estate abroad. For example, in the purchase of housing in the tourist areas of Montenegro, Bulgaria, Turkey or in countries that provide a residence permit. This investment will not only save the finances, but also multiply them by renting out housing.Currency market
The foreign exchange market "Forex" allows you to make profit up to 20% per month. It should be borne in mind that such a high yield is balanced by extremely high risks. This type of deposits requires special knowledge.Precious metals
The last time buying gold and otherPrecious metals are becoming more popular. Such savings have good protection against inflation. Purchase of precious metals is possible in three versions: ingots, investment coins and depersonalized metal accounts.
