War and money. How to lead the family budget and what to save: subtleties, tricks, lifehacks
The main costs during the war in most Ukrainians have changed significantly. Even if the family budget remained at the level of January 2022 during the war, which, unfortunately, infrequently, Ukrainians save money due to forced refusal of air travel and rest abroad and allocate free funds for the Armed Forces.
For example, an IT entrepreneur from Kiev says that during the war he changed priorities in business, began to work 24/7 on increasing income and realized ideas that had not previously reached his hands. He directs much of his income to support the Armed Forces. That is, when there is a need for targeted assistance in a particular direction, it just takes even more work. "The inability to travel saves us with the lion's share of the budget.
Accordingly, the conclusion is very amazing for our time: until we feel significant discomfort," the wife of the entrepreneur shares his impressions. However, most Ukrainians have to tighten the belts tightly. From the list of what to spend money during the war, many families now have not only travel, but also restaurants, entertainment, delicacies and more.
"Dear Sibas, Dorado and Salmon went into the past, pork I buy less often, but more likely, due to a deliberate decrease in the caloric content of food. I cook more often - its price has not changed, but is enough for three days," - says the focus of Kyiv Yulia. In order to diversify their lives, some Ukrainian families prepare national dishes from different countries at home and so arrange "gastroups" without leaving their own apartment.
Consumption of coffee in city cafes 1-2 times a day can significantly compress the family budget during the war. For example, if two adults buy coffee for 30 UAH daily, they spend 1800 UAH per month for 60 cups of aromatic drink. At the same time, more than one hundred cups of drink can be cooked from 1 kg of coffee at home. Accordingly, if you drink coffee at home, the costs are reduced several times.
In addition to HoReCa, cost items such as fashionable clothing, education, services, insurance, etc. have also been reduced. "We had to give up helmet, property insurance, health and life, private school for a younger daughter, tutor for your middle son. The cost of entertainment, delicacies, travel and clothing (except for the elementary needed), reduced to the historical minimum," - says The focus of self -employed Olga Kiev.
If we summarize, the costs of the focus interviewed by Ukrainians are trying to reduce the cost of the following categories: however, if the family budget does not particularly be burdened during the war, restrictions should not be an end in itself. After all, every hryvnia spent supports Ukrainian business, promotes jobs and taxes in the budget.
Because small and medium -sized businesses are more difficult to experience a crisis than large businesses, such support looks more important for small businesses. Over the past half of a year, the mental and physical forces of Ukrainians are depleted, as well as the family budget during the war. Therefore, compulsory expenses during the war should be concerned with health support.
Accordingly, the list of what to spend money during the war should be: "During the war I try to treat everyone home from everything I would pay attention to before, until there is such an opportunity," Olga says. The logic is simple here - we need to protect health today to withstand possible trials and maintain a form for a healthy and happy life in the post -war future. What to buy during the war should also be everything that promotes energy, alternative heating, autonomy.
Therefore, Ukrainians living in the city are purchasing fuel for solid fuel boilers, furnaces, electric generators, namely: apartments should think about saving electricity and buy equipment and lighting lighting for the best energy consumption class - A +++. Food stocks are also important for Ukrainians.
"We put money in ensuring the maximum possible autonomy of the house - heating, lighting, the Internet, communication, and we make stocks of products, medicines, hygiene and strong alcohol," Olga continues. It is noteworthy that during the war, even those families who did not do so began to cultivate gardens and do home preservation.
The focus interviewees told about the following home -made harvesters for the winter: "We started to be actively preserved - because the season and just a lot are more. We freeze seasonal vegetables and fruits. What we've been bought in supermarkets earlier - now we do at home," - confirms Kyivka Vira.
In connection with the capture of Ukrainians with homemade cooking, harvesting and harvesting to the list of what to spend money during the war, you can add: in response to the question of how to lead the budget during the war, the focus of family focus declares the need for more careful Cost planning and accounting. "Now I go in the store with a calculator and in advance to count the amount to fit into the daily daily limit of costs.
I did not do it before, since my financial condition and prices were relatively stable. But my budget was decreasing during the war, and the amount of the average check began To grow, " - says Maria, an office worker from Kiev. Catherine, who lives in Lviv, adds that during the war she began to record expenses again, which she had not made for two years. Previously, its income and expenses were stable, and now the situation is difficult.
"I plan my diet in advance, because I know how I am going to eat and I can calculate the amount of goods required per week and their cost," the focus interlocutor continues. Many Ukrainian families have begun to practice purchases in low -cost hypermarkets for a week, which helps to save on the cost of products and eliminate the likelihood of spontaneous purchases.
This approach also looks appropriate because during air alarm, stores in Ukraine stop work and without a certain food supply, there is a risk of staying without dinner. For example, Catherine from Lviv buys a discount product at supermarkets, which she plans to cook for 1-2 weeks. "We now buy products less frequently, but in large parties.
Every 1-2 weeks we began to go to the" capital "[Market" Capital "near Kiev] and buy small wholesale for several neighboring families,"-adds two children, Kyivka Vera. When planning a family budget during the war, you should count not only on retail networks, but also on fairs and irregular trade. Fresh vegetables, fruits and other foods can be bought there cheaper. "I love homemade cheese, but in the supermarket its price per kilo reaches 120-150 UAH.
To save, I go to the railway station in Lviv, where at noon or closer to the evening farmers make full sale of products,"-says Kateryna. For example, the other day the girl bought homemade low -fat cheese, ideal for cheesecakes, for 55 UAH per kilogram, as the seller hurried home and sell. The cheese of the focus was divided into pieces so that each of them was enough for one serving of cheesecakes and sent to the freezer.
Economical Ukrainians should also pay attention to product agricultural fairs that regularly occur in different areas of relatively safe cities. They can be found in the capital on the official portal of Kiev. Residents of border western regions, for their part, are advised to buy products in Poland, as they say, both about fuel costs. It should be added that the right environmental habits now not only contribute to the environment, but also support the family budget during the war.
For example, the package in the supermarket costs 4 UAH, and the purchase of two packages a day is poured into an additional 250 UAH per month. "I go to the store and the market with my container-eco-sum, cheese and sour cream. Instead of mineral water (approximately 10 UAH per liter) you can buy drinking water in machine guns (1 UAH per liter). For comparison, if you consume a bottle of mineral water daily 1.
5 liters, the cost per month will be almost 500 UAH, with an alternative option - about 45 UAH. It is very important to control costs. In particular, to collect checks from the supermarket, to write in a special file on the smartphone the amount of costs, and it is necessary to check at the box office the correctness of the amounts in the cash check. "My husband and I went shopping, the check came out 700 hryvnias, and something alerted.
I studied the check - for cheese knocked out 142 hryvnias at the box office, although its real cost with a discount of 50% - only 35 hryvnia I check the amounts in the check, " - said Eugene Kiev. Some of the focus surveyed by Ukrainians try to make savings during the war. For the most part, about 10% of income is delayed. However, the interlocutors complain that the previous savings plans were failed, since the profits during the war have decreased significantly.
When asked how to save money during the war, respondents answer- in US dollars or euros. The advantage of currency, as a means of savings, is explained by the inflation of the hryvnia, which in 2022 has accelerated significantly and low rates on deposits. The answer to the question of whether to buy a dollar during the war is given numbers published by banks. After the Ukrainians were allowed to buy a non-cash dollar at the NBU's official course 36.
6 USDUAH, provided they have been deposited for three months, according to Monobank co-founder Oleg Gorokhovsky, only in the first day after opening this opportunity and the Bank concluded 11 273 deposit agreements. Hryvnia deposits rates for 12 months in the largest banks by asset Bank Bank FEP* PrivatBank 6% Oschadbank 6% Ukreximbank 13. 5% Raiffeisen Bank 8. 5% Ukrgasbank 13. 75% Alfa Bank 14% % OTP Bank 5.
5% University Bank (Monobank) 7% Source: Banks Sites on 31 August 2022, *Nominal rate, to deduction of PIT and military levy (only 19. 5%), unfortunately, deposits in UAH The largest banks do not cover inflation. For example, PrivatBank has a rate of 12%for the most popular deposit for 12 months. Accordingly, having placed 100 thousand UAH in this bank at the end of the term, taking into account taxes, it will be possible to earn about 4. 9 thousand UAH.