the cheapest set of ingredients in June, they managed to find in Simferopol, Tver and Sevastopol. To cater for three meals per consumer – on 260 roubles. May the three leaders was Omsk, Smolensk and Saratov, but within a month, the cost of the daily ration grew up there. In Omsk the increase was ten roubles, the Saratov – 20. But in Smolensk the conventional “basket” rose by 35 rubles, or 13 percent. This is the highest ratio in Russia. The price level increased only in half of the cities that participated in the study in may and June. And, as a rule, only slightly, to five percent.
Monitoring “Chicken with pureskill” for the first time held in Veliky Novgorod in the beginning of April, when the country has declared non-working days. Then the geography of the sections widened, and they began to hold regular forces of a non-profit Association of research companies “Pholstery.of the Russian Federation”. Measurements in June were held in 60 cities from Magadan to Kaliningrad.
took the diet conventional Russian single, which is due to the regime self-isolation only eats home, cooks itself (no frills) and saves on products, but does not stores them in large volumes. Menu has developed a service delivery of hot Lunches Good Food based on daily needs for nutrients, vitamins and minerals. Breakfast – oatmeal with milk and fruit, a sandwich with butter and cheese, coffee with milk, half orange. Lunch – salad with fresh vegetables soup with chicken broth, pork cutlet with mashed potatoes, bread and tea. Dinner – portion “Olivier”, pasta with fried chicken, bread, tea.
For the preparation of these dishes need three dozen ingredients. On the specified days marketers are bypassed in each city from three to seven objects popular trading networks – both Federal and local. Products have selected the most cheap and minimal packaging excluding promotions and discounts on discount cards.
– For a value mashed potato directly affects the actual availability of cheap products in the store at the time of monitoring. And it depends on the logistics of the retail network. So, for example, in early April, our conventional diet in the regions was higher than in may: on the wave of food panic, people simply bought cheaper goods on the shelves were only expensive counterparts, explained the study authors.
as the ripening of early vegetables the cost of the food basket may decline, but this trend emerged only in the Crimea: Sevastopol “mashed potatoes” for the month fell by ten percent.
Analysts have compared the cost of food (according to the above menu) with the size of the subsistence minimum by regions in terms of the day. In every fourth city turned out, that the products will “eat” more than 80 percent of this amount.
In Central Russia stands Belgorod – there “Purusco” had 92 percent of the subsistence minimum. With that set of ingredients it is only 327 rubles cheaper than in Lipetsk, Voronezh and Ivanovo. Lucky residents of Tver and Kostroma: on the power they have, according to the monitoring can go about 370 rubles a day (more than in other regions), but net of the cost of the subsistence minimum remains 25-30 percent.
how expenditure for food with per capita income? The study was taken amount, which takes into account official statistics, the nominal accrued salary in the region. According to these figures, in Moscow and St. Petersburg, products can be defer one-tenth of earnings. But the residents of the CFD to do this, you want to reserve 20-30 percent of daily income. The highest figure turned in Ivanov, where the average monthly wage is only 917 rubles per day.
With the beginning of the epidemic due to the General uncertainty, fear of losing work and a real reduction of income in the economy mode passed many Russians. As shown by various studies and surveys, most citizens cash “safety cushion” is gone or very small. And our understanding of how to properly manage their funds, often illusory. Away a loan “payday” loans unaffordable and stupid purchases made on the wave of emotion.
not to panic and to plan your budget (and life in General), the desired stock of money. Safer to keep part in cash, part of the map or savings account with the interest on the balance. To the extent possible, these reserves should be increased, and to reduce costs – but without fanaticism.
During the isolation portion of the cost has gone automatically (on transport, clothing, entertainment, meals outside the home, travel). However, the consumption of utility resources and food from the “couch potatoes” are grown. Housewives began to indulge the family in more complex dishes, someone because remote work has increased the consumption of electricity. Locked house children who want to sculpt, paint and download movies online – all sheer devastation… many people Have increased spending on medicines and the same mask. How not to go in the negative?
Experts suggest NCFI primarily to establish a normal income and expenses. A simple table in your notebook and the layout of the types of costs will help to see which articles to cut easier. Inexperienced “economy” it is better to choose to start in one to three directions (those whose share of more than five percent) and not to focus on such a complex topic, as HCS. It is possible that some costs should not be eliminated altogether, and to postpone for the future.
it’s time to revise the closets, assets and debts, which is why you do not returned, contact the Bank for restructuring the loan. Well of course, not to be missed benefits and support measures of the state to make payments is easier than it may seem. Don’t forget about his right to tax deductions, including those for previous years. Thus it is possible to compensate the part of not only the “global” costs like the purchase of an apartment or paying for education, but also, for example, the cost of examination and treatment in private medical centers.
to create a reserve for a rainy day, enough to postpone a tenth of your regular income. If you receive extra money (and you go for it not because of the urgent needs of the money) – save half. The optimal size of NZ – from three to 12 the amount of your monthly expenses. It can be used only with the direct threat to your financial situation!
Stocks, bonds, precious metals and real estate is not a financial reserve, says NCFI. Such assets are difficult to convert into cash quickly and without loss. A credit card especially can not serve as “safety cushion”. The reserve Fund is real, your own, and not borrowed money.
national center for financial literacy (NZVI) has developed for Russians, memo – how to behave in a “coronaries”. You can download them on the website http://ncfg.ru.
“RG” highlighted the main points:
1. Do not take new loans / loans /mortgage until you understand its solvency.
2. Not to repay loans and debts at the expense of NZ.
3. Do not buy “all” currency, buckwheat, appliances, cars and other goods.
4. Do not withdraw money from deposits, sell assets that are suddenly lost in price or yield.
5. Do not invest all your money in risky investments.
6. Do not lose vigilance. Scammers in crisis work in three shifts!
