How to prepare for financial crisis

Experts predict the Higher School of EconomicsExperts have called the Higher School of Economics as possible new crisis in RussiaThe new economic crisis is possible not earlier than in 1.5-2 years. To this may cause worsening of a trade war between the US and China. However, the confidence crisis will happen until no one. With care and talk about its scale.

In 2009, Russia's GDP fell by 7.8% in 2019, is projected to growEconomists have worsened the forecast of GDP growth for 2019 by 1.2%, so the situation is not hopeless. However, it increasedRosstat reported an increase in the proportion of households which is only enough for food and clothing the proportion of households which is only enough for food and clothing, now they are 49.4%.

To date, the crisis can not be prepared. It is an unexpected dangerous situation that places people in a deadlock and causing panic. What we are seeing now - is prolonged depression in world markets, which has an impact on everything: demand and the level of production, price inflation in many countries, wages, reduced benefits, and so Further.

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Natalia Belova, director of market management IC "Rosgosstrakh Life"

But at the same competent behavior will help you minimize the damage, if the financial crisis is still to break out.

Do not panic

Now it is done early, and during the crisis - it's too late. Panic does not help, but hurt her by force. There have already been cases of people succumbing to rumors, buyBuckwheat Dreaming stock buckwheat for 10 years. Their wealthier compatriots spendCentral Bank called on citizens not to buy television sets because of the crisis all the savings on TVs and microwave ovens, and then tried to sell them at a significant discount to return at least part of the money.

Buy something for the future in general, a bad strategy. Prices for the different product groups can vary remarkably. It is wise to give all power accumulation and preservation of money.

pay off debts

On ordinary days, debts, loans, mortgages - effects unpleasant, but not very scary. If you have calculated everything in advance, the monthly payment will be unaffordable and organically fit into the costs. However, the crisis may change everything, and the payment on the loan will hurt the impoverished budget. And this, in turn, will lead to a showdown with the banks to communicate with collectors and possibly the loss of the apartment or part of the property.

So focus on your advantage early repayment all debt and to pay more attention to the creation of new ones.

During the crisis, namely borrowers are often the most affected side. Suffice it to recall the "currency mortgage holders": when the ruble fell, people have lost the ability to pay the rent, because payments tied to the exchange rate rose significantly. Before you take out a loan, should carefully weigh everything. How do you pay it? And if your financial situation will worsen as the borrower?

Ivan Rykov, founder of GK "Rykov group" Analyst debt markets

Solve health problems

While revenues allow for a complete physical examination and be engaged in the treatment of identified diseases. Some ailments may not be too concerned about right now. But so - without the intervention of doctors - will not always be. As a result, you will not earn effectively in a crisis situation, and money for treatment will get nowhere.

Separately, think about the health of your teeth. Treat them always very expensive. That is why the snow-white beautiful smile says about the status of the person more than the name-brand bags and luxury cars. There is a risk that the crisis in the money at the dentist is not, so it is better to deal with it immediately.

Even if the economy does not collapse, health care still will benefit.

Work on savings

Lack of savings - a big problem, even if the outbreak of the crisis is not the world, and your own. Savings help survive the troubled period. In fact, how to create them, there is no intrigue to earn more, spend less.

Save money in the financial crisis - the task is as difficult as to save them.

Looking at the retrospective of the crises of 2008 and 2014, two investment tools can be identified, which allowed the visionary Russian citizens not only save money, but also to increase them. We are talking about currencies and gold. And in an era of prosperity, these tools do not generate revenue, but rather to protect the investment against inflation, but in an era of turmoil, they are traditionally "safe haven" for investors.

Igor Fineman, a financial advisor

Concerning currencyIt is better not to rely on any one. The most common advice - to divide the savings into three parts, one exchanged for euros, the other - in dollars, a third leave in rubles. So, no matter what happens in the financial market fluctuations are compensated and the purchasing power of money will continue.

With gold complex. For investments can not be accurately attributed modern and relatively inexpensive decorations - because of extra charges for the work of a jeweler. In the price they are unlikely to grow.

Statistics of the last 10 years has shown that investment in physical gold in times more efficient than paper. For physical gold bullion has traditionally are (due to VAT of 20%, they are less attractive to investment) and investment coins (due to lack of attractiveness of their VAT above).

Igor Fineman

Become especially valuable employee

During the crisis, some companies are closing, others - reduce staff. Predict which category gets your impossible. At the same time, if we go about reducing the number of employees, will get rid of least helpful. For non-workers will stay to the end.

Your task - to get to the number of such valuable employees. The main condition - adequate guidance. If you are unlucky chief, efforts may be in vain. And to make it not so difficult:

• Do a good job.
• Take the initiative and be independent enough.
• Plan your actions on the two steps forward, to avoid stupid mistakes.
• Do not gossip and do not skandalte without cause.
• Constantly evolving.
• Be disciplined.

The most obvious way to reduce the risks of cuts or wage cuts - to achieve outstanding results, do not be afraid to expand the functional scope. In this case, even under the worst-case scenario, when the activities of the entire company will be called into question, get a new location will be much easier.

Andrew Barhot, manager of strategic marketing for PSB

A new profession

It is easy to answer the question of who will be more demand in the crisis years: stylists or welders. There are professions, the need for which will certainly decrease with the level of financial well-being of the population.

So, on the one hand, it will benefit people with simple, clear and always the right skills, such as mechanics, hairdressers (not to be confused with expensive Barbera) and so on. And on the other - those who are able to meet the current needs of the market.

Guarantee of future demand in the labor market - training. The main trend for the next 10 years - an avalanche of demand for various Digital professionals. By 2030 in Europe alone will miss 50 million people with IT-professions. Therefore, any IT-skills today - it's a guarantee of demand in the future.

Natalia Belova

Seek additional income

Putting everything on one company, even in the very bread dangerous. Do not avoid podrabotok, if you can afford to, and do not forbid your contract. Thus, once you kill a bunch of birds:

• Earn more money and increase your savings.
• You try yourself in a few other conditions. Even chat with new people who are not familiar with your work, displays of your comfort zone and develop your expertise.
• Make new contacts. People for whom you are doing some work, can take you to her in the future.

Do not overdo it with the economy

No one knows, the crisis will come or not. Write off is not necessary, but it is important not to overdo it with the preparations for it. Let's say, the results of treatment, training and savings to you in any way useful. But to devote his whole life to preparing the financial apocalypse is not necessary. Otherwise it will be similar to the character of the film "Blast from the Past", where the protagonist spent 35 years in the shelter only because of the fact that his family was afraid of a nuclear attack. In the end, nothing happened, and man lost years.