How to stop constantly worrying about money

Why do we so concerned about money

Because without them elementary nothing to pay for housing and no money to buy food. Life is getting more expensive, it can cut the ground from under the feet of even the inveterate optimist. Gasoline to a fire alarm pour economic news: increased capital outflow from Russia, the ruble went down, experts are predicting a fall in oil prices... After such news would like to get into the closet and never come get out. A familiar feeling?

In fact, it makes little sense to harass a feelings and misgivings. To influence events taking place in the global economy, we can not. We want it or not, but the crisis will be repeated again and again. The only thing that can be done - adequately prepare for them, so as not to meet the rainy day with empty pockets.

What to do to get rid of anxiety

If you are between 20 and 30 years old, you have already experienced several financial crises of various scale and probably wondered what to do if the global or domestic economy will start again in a fever.

Everything is fairly predictable: in a time when money perfect order, it is not necessary to splash out recklessly, taking everything to the penny, and do stocks in case everything suddenly becomes ill. Yes, it sounds very boring, but this principle does work.

So, to start every month delay of 10-20% of revenue in the treasury. It is necessary to do immediately after you got paid, not to be in a situation where money is spent and there is nothing to save. Repeat until, until you have an amount equal to your income for at least three months, and ideally - six. Will airbag, which will help to hold out if you'll be out of a job or encounter any unforeseen major expenses.

When the required amount is typed, think about how to dispose of it.

Keep the cash in an envelope cherished hidden in the bottom drawer for lingerie, it's very, very, very bad idea.

You're afraid of inflation? Properly afraid she loves the money that bad lie. Over time, they are at least a little, but worthless. For example, after a year on the same amount you can buy fewer goods and services than it is today.

You can protect your savings by using various financial instruments. But we must remember that for your reserve capital are important reliability and liquidity - that is, the opportunity to get your money quickly and with minimal loss of income. The most common options - bank deposits, savings account or even a bank card with interest on the balance on the account.

Investments in higher-yielding but riskier financial instruments for the airbag is not suitable. However, if you have accumulated an amount greater than your income for six months, try to invest in securities. In the long run you can not only compensate for inflation, but also to earn. Now the market is even available for beginning investors with small amounts, eg, through mutual funds.

Think about currency risk. If you earn and spend in rubles, this is your base currency. But, keeping part of savings in euros and dollars, you protect yourself from losses in the event of exchange rate fluctuations. By the way, those who are more or less regularly travels, just makes sense to keep some of the money in foreign currency. The main thing is not to buy it in periods of growth.

How to learn to understand correctly economy news

As soon as there is money, there and care. What will happen to the exchange rate, how to change rates on deposits, whether the eruption will affect the stock price, and so on. To understand the information noise can be difficult.

However, the reality in many events taking place in the global economy, there is nothing wrong for the average Russian.

Over the past 20-30 years we have lived through enough turmoil to acquire the habit to be afraid of everything and always. Just like that, just in case.

At the same time the importance of the various phenomena of the world of finance are often exaggerated.

"How to stop be afraid of economic news and start living" - the theme of the third lecture in the series "The financial environment». Leading analytical program "Economy: The course of the day" on the TV channel "Russia-24" Nicholas Korzeniowski and Alexander Kareevsky tell that refer to those or other events for the lives of ordinary people, learn to filter information and choose from the news flow only important posts.

The lecture will take place on October 4 at 19:00 in the Central Library. N. BUT. Nekrasov (Moscow, Bauman Street, 58/25, p. 14). Visiting lecture series "The financial environment" absolutely free, but seating is limited. Follow the link below and sign up for the list of participants in advance.

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