Force majeure is ready. How to Create Financial Pillow in War

How to create a financial pillow in a crisis, what size it should be, what should not be spent and when it may be needed? Focus discussed these issues with economists. According to research, only a quarter of Ukrainians have a "airbag" in the event of a force majeure for two or more months. Work. ua survey, which was conducted on the eve of a full -scale war, showed that 54% of citizens have no savings, and since then the situation has only worsened.

This means that in a crisis, three -quarters of the country cannot provide themselves with the necessary funds for even a couple of months. Experts say that the formation of the airbag - the intact amount in case of work loss, unforeseen large costs, etc. is one of the indicators of financial literacy.

Only a quarter of Ukrainians have a "airbag" in the event of a force majeure for two or more months to avoid confusion, economists propose to immediately separate the concept of "pillows" and savings. According to the economist Alexander Gavrutenko, while the financial pillow allows you to stay afloat in the event of force majeure, the purpose of savings is often things beyond the necessary: ​​for example, to buy some big purchases, change quality of life, etc.

"Financial pillow is only part of the savings that is necessary for emergency substitution of funding in case of loss of the main source of income or in the case of force majeure," SpiceProp founder Natalia Boyko explained in conversation with focus. Therefore, possible variations of planning: from short and medium (home appliances, machine, cottage) to long -term (apartment, house, yacht, etc. ).

Therefore, the airbag should not be spent on buying a gadget of a new model, a journey or a loud celebration of birthday - that is, everything that cannot be considered vital. This money is delayed in case of urgent need, that is, their consumption should be a serious reason that threatens normal existence.

While savings are limited except for human opportunities, the airbag is usually limited by a six -month budget while savings are limited except for human opportunities, the airbag is usually limited by a six -month budget. "It can range from 3 to 12 monthly family budgets," says Natalia Boyko. "The specific choice depends on the stability of income, personal psychological characteristics, economic expectations. But in the general case, to do it more than 6 months, there is simply no point. Money.

Above this amount, it is better to send to savings where they will generate income. " That is, if the family has the usual cost of paying, training, medicines, products and necessary clothing and other things at a level, for example, 40 thousand hryvnias, then the optimal amount of financial pillow is 240 thousand hryvnias. This is the stock that should be in case of work loss, treatment need, etc.

Currently, when the level of predictability is minimal and the forecasts for the Ukrainian economy for 2024 are closely intertwined with geopolitics, the airbag in Ukraine should be maximum - at least six months of family budgets, says Natalia Boyko. When hostilities are over, the pillow can be boldly reduced to three months, experts surveyed by focus say. And the rest to save in savings in the form of deposits, investments in shares, bonds and other profit assets.

Currently, the airbag in Ukraine should be maximum, and when hostilities are over, the pillow can be boldly reduced to three months "the size of the airbag depends on age, and, accordingly, on human needs. For example, in the deep old age, people often limit their own size The pillows "the amount required to cover the cost of burial," added in conversation with focus Alexander Gavrutenko.

- Also, much depends on the type of activity, lifestyle - I do not think that there can be a universal approach here. Financial strategies are different. By the way, life without a airbag is also a strategy, and sometimes quite effective. " The choice of financial tools for the airbag is quite rigid because, unlike savings, money here needs to get quickly. That is, Boyko says, only risk -free tools are suitable here, with minimal sales costs or exit.

It is hryvnia and foreign currency cash, as well as bank deposits for 3-6 months. Experts advise a third of the financial pillow to store in hryvnia cash, one third-in foreign cash currency, a third-on a banking 3-month deposit "for 2024 looks good structure (dollar or euro), third-on a bank 3-month deposit-said the expert in conversation with focus. Short bank deposits.

Keeping a "pillow" under a real pillow cannot always be considered an appropriate solution, so bank safes can come to the rescue. After all, they can keep not only jewelry, important documents, media, arts, but also money.

"Of course, the best advice on storing funds is those options that not only allow them to be stored but also multiply," said Dmitry Zamotayev, director of the Retail Business Department, in a comment The cells are one of the best places for this, because it provides a higher level of protection than any other alternative. " The absolute advantage of such storage is the minimum package of documents.

To open the cell, you will only need a passport and identification code for customer identification. Subsequently, when presenting these documents, the client will receive the right to access the cell. Experts remind that financial culture involves a gradual instruction of effective money, and it is impossible to do so. "It is not necessary to worry because of" breakdowns ", they are all. But, after all, all daily costs should be financed solely at the expense of current income.