Tips readers: changing financial behavior during the crisis




More recently went on Layfhakere reader survey about how their financial behavior has changed with the change of the exchange rate. 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 of themSo, bring your attention standing advice from a survey of readers’ dollars are spent not a hindrance? “.
Change or not to change

User with the nickname Muzychenko Andrii from Kiev told that no saves hryvnia and prefers conversion into sterling, because it, unlike the euro and the dollar is relatively stable.

Another of our readers, Konstantin Baranov, believes that cash hryvnia not translate at a favorable rate in dollars and euros. It is therefore worth spending Ukrainian hryvnia as much as possible, with at best value for you like the art and food stocks.

Constantine also believes that now is the time for loans in local currency, and the money in foreign currency to invest in reliable foreign offshore.

Of course, this is just one view, whether or not to transfer 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

User with the nickname Muzychenko Andrii replaced Amazon on Aliexpress and advises not to be afraid of new markets.

Indeed, the goods in the Chinese online stores are sold at more than affordable price. More products are available on Taobao and order things through intermediary sites.
Save on products

User with the nickname Muzychenko Andrii replaced feeding behavior after reading the book ” The China Study “, due to which the cost of food decreased.

Of course, not everyone will support this type of food, but if you do not mind to try the rejection of animal products, 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 to save on products without harm to health.

And some more tips on food from Muzychenko Andrii:

Purchase food once a week.
Go to the supermarket with a full stomach.
Make a list of mandatory items for a month and put off the money.
Until the end of 2014 points are wholesale food supplies purchased under the old exchange rate, and you still have time to purchase them.

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

So you’re more likely to pass by a bad and expensive food. Not in the list of chocolates, so why 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. Drugs & Medications are very expensive. As noted excellent user with the nickname Muzychenko Andrii:

Your wrong actions now lead to problems in the future. Almost all of the problems of the nerves, nutrition and stress come back to you in the form of receipts for drugs.

And here’s a compelling reason to live a healthy lifestyle to help save money on the products (without any harmful fast food), health care, bad habits, and even transport.
Save to the art and not only

Buying equipment, you can seriously save on promotions, track them and if not immediately use the purchased goods. Here’s a story about buying a laptop from Andrew from Kiev:

Keep track of stocks, recently bought a laptop in one online store, took between $ 1 = 16 hryvnia, it was 7036 hryvnia, then 7430 hryvnia, then completely 7880 hryvnia, but eventually went back to 7036, the hryvnia, so and bought … But he fell on the same day and began to cost 5,999 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 technique immediately after purchase.

But a great post about the economy , which explains how to reduce the cost of everything – from food to service the car.

By the way, you can save and gradually become more expensive gasoline. Here are a few ways to do it.
Save on utilities

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

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

These counters can buy not only in Kharkiv, but also order them in Ukrainian and Russian online stores. Counters temperature sensors cost about 4-5 thousand rubles, will have to pay separately for its installation and verification.

It is possible to use other ways to save energy and water consumption and consequently pay less for communal. Here’s a video on how to do it: first – about the energy savings, the second – about saving water.

If properly manage their finances, do not have to give up the familiar comforts and reduce their standard of living. On the contrary, the crisis – it’s time to think about whether you are doing everything correctly and change it.


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