QUESTION: Какой процент дохода нормально откладывать?

Determining a comfortable amount for regular savings is the foundation of anyone's financial stability. As a basic guideline, experts recommend saving from ten to twenty percent of each earned income, turning this process into an automatic habit.

However, real life sometimes makes its own adjustments to these ideal proportions. If you have outstanding loans with high interest rates, such as consumer loans or credit cards, it is more logical to direct free funds toward early debt repayment rather than passive savings, as this will save you more money in the long run.

If saving ten percent seems too difficult given your current expenses, start small. Set a bar of just five percent of your salary, but do it regularly, without skips or exceptions.

As you grow professionally and increase your income, try not to proportionally increase your spending, but instead direct the difference into investments or an emergency fund. Over time, you will notice how a solid capital has formed, providing you with confidence in the future.