The financial consultant talked about ways to optimize household expenses

"The key is careful planning and tracking of all income and expenses. This allows you to identify items where you can reduce your expenses without compromising your quality of life. To do this, you can use special applications, tables, or even a regular notebook — the main thing is to keep records systematically. After several weeks of such accounting, it becomes clear where the main cash flows are going. It is recommended to divide expenses into categories in order to identify areas for optimization," she advised.

Matveeva suggested optimizing food costs first. This will help with the preparation of a menu for the week, the purchase of ready-made food, as well as wholesale purchases for several months in advance.

"Before making a purchase, it is very important to consider the seasonality of the product. Some product categories should be purchased in season, while others should be purchased out of season. So, if we are talking about products, then the first principle works here. Parsley, dill, onions and other greens are cheaper in spring, while potatoes, carrots, apples are cheaper in autumn. But clothes, household goods and entertainment can be more profitable during a period of low demand. It is also worth considering the upcoming holidays, such as New Year, March 8 and others," the expert added.

In addition, the financial consultant advised saving on purchases using cashback services and various loyalty programs. She also recommended not to forget that you can always find discounts, including on necessary high-quality goods.

Avoiding impulsive purchases and focusing on really necessary things leads to financial well-being and an improved quality of life. The main thing is to start acting today and gradually introduce new healthy habits," Matveeva summed up.

In unpaid debt: Russians will be exempt from payments on loans issued by fraudsters

The condition will be the initiation of a criminal case.

On February 21, it was reported that the most common financial phobias of Russians were fear of cybercriminals, collectors, black creditors, as well as fear of job loss. However, it also turned out that 48% of the respondents began to feel more secure in financial matters than a year earlier. At the same time, 27% noted that anxiety related to the fear of losing money has become stronger compared to the previous analyzed period, and 16% admitted that they did not notice any drastic changes in their moods.