Financial advice. Life in a time of crisis

Most recently, on Layfhakere I passed poll readers on how to change their financial behavior to the change in exchange rates. The comments we have received a lot of useful tips on how to avoid losing your money and buy the usual things cheaper. We could not resist and decided to publish the best ones.

So, we present to your attention the challenges readers tips from the survey "I spend a dollar is not a hindrance?».

To change or not to change

A user with the nickname Muzychenko Andrii from Kiev I toldThat does not hoard hryvnia and preferred conversion into sterling, since it, in contrast to the euro and the dollar is relatively stable.

Another of our readers, Konstantin Baranov, considersThat the cash hryvnia will not translate at a favorable rate in dollars and euros. So it's worth spending Ukrainian hryvnia as much as possible, with at best value for you like technology and food stocks.

Constantine also believes that now is the time for loans in the national currency and the money in foreign currency worth investing in reliable foreign offshore.

Of course, this is only one view, whether to transfer the money into foreign currency. There is no consensus on this issue does not exist, so that people change their savings at your own risk.

We are looking for where to buy cheaper

A user with the nickname Muzychenko Andrii I replaced at Amazon Aliexpress and advised not to be afraid of new markets.

Indeed, the products in the Chinese online stores are sold at more than affordable price. More products can be viewed at Taobao and order things through intermediary sites.

Save on foods

A user with the nickname Muzychenko Andrii He changed his eating behavior after reading the book "The Chinese study", Due to which the cost of food declined.

Of course, not everyone will support this type of food, but if you do not mind to try giving up animal products, then now is the time. Lack of meat in the diet greatly reduce the cost of food.

Well, if you're not going to give up animal protein, here are some ways Save Money on Groceries without harm to health.

And some more tips on food from Muzychenko Andrii:

• Buys food once a week.
• Go to the supermarket with a full stomach.
• Make a list of mandatory items on the month and put off the money.
• Until the end of 2014 in the wholesale points are stocks of products purchased currency exchange at the old rate, and you still have time to purchase them.

From my own experience: Before you go to the supermarket for groceries for the week, think menu for each day, think how many products for this need and buy only list.

So you're more likely to pass by a bad and expensive food. No candy in the list, so why should you go to the department with sweets?

Health saves money

If you could not start a healthy lifestyle, now is the time to do it. Medications and treatments are very expensive. How well the user has noticed with nickname Muzychenko Andrii:

Your wrong actions today lead to problems in the future. Almost all the problems of the nerves, nutrition and stress will return to you in the form of vouchers for medicines.

And here is compelling reasons for a healthy lifestyleWhich help save money on products (without any harmful fast food), health services, bad habits, and even transportation.

Save on technology and not only

Buying equipment, you can seriously save on the shares if the monitor them and not just use the purchased goods. Here is a story about the purchase of a laptop Andrew from Kiev:

Check for special offers, recently bought a laptop in one online store, taken in the period 1 US dollar = 16 hryvnia, it was 7036 hryvnia, then 7430 hryvnia, then and at 7880 hryvnia, but eventually returned to 7036 UAH, and bought... But he fell on the same day and began to cost 5999 hryvnia. We put the one bought for 7036 hryvnia, and bought for 5999 hryvnia.

So there is always hope to save money, if you have enough patience not to open the box and do not use the equipment immediately after purchase.

And here is a great post about saving, Which explains how to reduce the cost of everything - from food to car maintenance.

By the way, you can save and gradually become more expensive gasoline. here several ways to do this.

Save on utilities

In his comments Muzychenko Andrii He advised to install counters for gas and water:

In Kharkov, make a counter that counts the hot water on the cold fare if its temperature does not match DSTU. These counters are permitted, but about which few know.

These counters can be bought not only in Kharkov, but also order them in Ukrainian and Russian Internet shops. Counters temperature sensors cost about 4-5 thousand rubles, it is necessary separately to pay for its installation and verification.

You can use other ways to save energy and water costs and, as a consequence, less pay for communal. Here's a video on how to do it: first - about the energy savings, second - about the water savings.

If properly manage their finances, do not have to give up the usual conveniences and reduce their standard of living. On the contrary, the crisis - a time to think if you do everything right, and change it.