Economy - must be economical. This famous phrase of the old Soviet leader, in spite of what was uttered many years before the onset of capitalism in our country, does not lose relevance today. Moreover, it is the stumbling block on which break a lance in the debate with proponents of saving and its opponents.
What is the essence of saving? Why does about its necessity or scales still no consensus which would be agreed to by all interested parties?
The fact is that the concept of saving is a relative term. People having different financial status perceive saving in completely different ways. One thing for a multimillionaire is considered thrifty purchase, for the poor may seem - a huge waste of money meaningless, unrelated to the concept of saving.
This is due to the difference to two factors:
First: the sheer scale purchases.
For example, for tycoon purchase exclusive car average price category - may be an act of saving, but for the ordinary person – it is conversely.
Second: understanding the dynamics of financial flows, which are changed their direction after each purchase. Rich people are much more inclined to count all of their projected revenue and waste than poor people. And this is natural.
Consider the example: there are two people. One - is rich and can afford a lot. The other – is the average level of prosperity. Both of them buy cars almost equal in value but the middle peasant - just a cheaper brand (saved), which, however, requires large maintenance costs, and a rich man - chooses the car a bit more expensive, but economical to operate. As a result, it turns out that three years away the middle peasant loses in the service of his car more half of its original value, while the rich man who bought the more expensive but more fuel efficient car, only 15-20 percent.
In addition, the economy, by itself, has a dual nature. On the one hand saving – is a symbol of poverty, because poor people are forced to economize on everything, but on the other hand saving is absolutely essential long-term financial success, because the wasteful spending of financial resources will lead to their lack sooner or later even at a significant level of income. At this point the law works: than more a person earns - so more he spends.
We can say only one thing: the economy, in one or another of its demonstrations, there is as the poorest that the richest. Very clearly, this assertion is characterized by the words of a billionaire who was once asked: "Why are your kids always travel first class, and you - more often economical?". He said: "Because I do not have such a rich father!". In our opinion, comments are unnecessary.
The articles contained in the section "Saving" covers mainly the other side of the saving that will be relevant for lower and middle sectors of society.
We hope that they will prove useful to you, dear readers.