Five enemies of personal savings

Enemy number one - inflation.

$ 100 now and five years ago - different money. Save stash of price growth will help the bank deposit. If inflation does not cover, at least to reduce the losses.

Enemy number 2 - the devaluation.

The ruble exchange rate depends on what happens in the world economy. More specifically, on one factor - the price of oil. To protect against the fall of the need to place the money in dollars and euros. All of them can not be impaired. If savings are stored in different currencies, you retain the status quo.

Enemy number 3 -spekulyatsiya.

Namely, the desire to get profit. Do not try to capitalize on fluctuations in the dollar, gold or shares of large companies. It's almost always a lottery, the future we can not predict. Keep the money in different financial instruments correctly. But it is stored, rather than playing.

Enemy number 4 - thieves.

Keeping savings under the pillow or in a tank of the toilet - is too antiquated method. Interest does not work, but still can rob. Home is best to keep no more than one or two monthly salaries. All the rest - to the bank.

Enemy number 5 - yourself.

Priceless ruble spender and the ILO. Someone lazy to walk to the bank and open a deposit. Someone funneling money through their fingers. And someone says boring to postpone a few thousand a month and dreams of millions of falling from the sky. Stop being lazy, to dream and to squander. There is a goal? It's time to create a financial plan and execute it!