It is Perhaps more correct to spend all the accumulation – not to give it to "be gone" and depreciate? In a situation when the ruble becomes cheaper, products rise in price, and salaries decrease, it seems to us that to spend all the money in crisis is the most correct the decision. Whether so it actually? Whether it is necessary to get rid in crisis of money?

«Now time when it is necessary to spend all money», – such phrase I heard in turn in hypermarket. At once it was remembered the well-known phrase: «Even if already your hairdresser advises to you to take shares, means, came to sell urgently time them».

Crisis very strongly beats not only according to our income, but also on the heads too! In the sense that our brains "are disconnected" under the impact of the emotions, an incessant stress, negative expectations and panic and decadent moods. Calming effect

Psychologists were convinced long ago that shopping, i.e. a campaign on shops, calms the got naughty nerves, well influences mentality and appetite. We plentifully "jam" a stress, letting to the organism know that there is a lot of food that everything is good. For a long time, at genetic level, we are afraid to remain without food – and to starve to death. Though the modern person lives in much more than the best (comfortable) conditions, than medieval kings and princesses.

There is one "but". Shopping unable to solve our financial problems. It is rather, on the contrary – it only aggravates them, accelerating our falling in a financial chasm. As spoke Ilf and Petrov: «A financial abyss – deepest of all abysses, in it it is possible to fall all life». Spend money for!

We earn money that them to spend. However it too should study – how competently to spend the money as they are correct for distributing according to different items of expenditure.

To spend money it is possible differently. I allocate 7 main directions where, in my opinion, it is necessary to direct the money:

1. Creation of a financial reserve.

It is so-called «a financial pillow», capable some time to support money your family (in case of loss of the main source of the income or at emergence of contingencies).

2. Investment of money.

Money should work and bring us new money. Otherwise we all life will be compelled to be "slaves" to money and the work. For investment use: bank deposits, securities, precious metals, shares in business, rent real estate, currency etc.

Attention! Complicated financial plans, strategy and investment products are thought up for the purpose of enrichment of their sellers (bankers and financiers). Be simpler, use strategy of monthly averaging.

3. Large acquisitions.

Apartment, car, giving, travel, health, pension accumulation, etc.

4. Children.

Education, development of their abilities, good education, etc.

5. Receiving pleasure from life.

Entertainments, the hobby, put as a hobby, expenditure of money for the sake of boasting, etc.

6. Daily household expenses.

Activity maintenance.

7. Training of financial literacy.

It will allow you to create own rules of expenditure of money! Make for itself certain "protsentovka" – define, in what proportion, in what ratio you will distribute the income and accumulation in these seven directions of expenditure of money.

P.S. Limit the access to news portals, programs, transfers, etc. Protect the nerves, new and good you from there do not learn anything, only once again for all day will spoil to yourself mood.