... Living together enables substantial cost savings: bulk grocery purchases, shared utility bills, and transport costs. Difficulty in Obtaining Mortgages and High Interest Rates Many young couples opt to combine their finances to secure better mortgage terms or joint loans. Savings on Entertainment and Travel Couples can leverage joint subscriptions to services, purchase tickets at family rates, and benefit from discounts for two. Financial Instability and Job Loss Fears Many individuals worry about layoffs and job cuts, leading them to prefer remaining in a relationship to have financial support in case of job loss. How Does Inflationship Manifest in Relationships? Partners Stay ...

... affect us? The key rate does not affect us directly, but its changes can be felt in everyday life. Here is how it affects the financial aspects we face: Loans and mortgages. When the key rate rises, banks raise rates on mortgages and consumer loans. This ... ... and vice versa, when the rate decreases, loans become cheaper. Deposits. When the key rate is high, banks offer more favorable terms on deposits to attract funds. This provides an opportunity to earn on deposits, since interest rates on them also increase....

... affect the real estate market, where reduced demand could lead to a slowdown in housing price growth. What Should Borrowers Do Amid Changes in Mortgage Programs? Plan Purchases Considering Increased Rates. Before taking out a mortgage under standard terms, it’s important to carefully evaluate your financial capabilities. Consider different scenarios: if rates remain high, be prepared for larger monthly payments. Await Potential Changes. It's crucial to stay updated on news and anticipate the potential revival of preferential programs. Banks may ...

... to start investing: A complete guide for beginners Why is it important to invest? Investments play a vital role in creating financial independence and ensuring a stable income. Regardless of your goal - to save for the future, create passive income or ... ... of them exist and how to start investing with minimal risks, especially in the Russian market. What are investments in simple terms? Investments are the investment of money in various assets with the aim of generating income or increasing their value over ...

.... The lifting of sanctions may create short-term market volatility, so it is important to spread assets across different industries. Bet on industry leaders. Pay attention to companies that were initially affected by sanctions, but still have strong financial indicators. Look at long-term prospects. Given the growth potential, the Russian market may be interesting for those who are ready to invest for the long term. Monitor exchange rates. The lifting of sanctions may strengthen the ruble, which is also worth considering when planning investments. The lifting of sanctions is a significant event for the Russian financial market. It is important for investors ...