Every third Russian is ready to save a year for the sake of buying a dream

Large financial goals force Russians to reconsider their usual expenses. About a third of citizens are ready to live in economy mode for about a year for the sake of the desired purchase. This is stated in a study by the financial marketplace <url>, which was reviewed on August 13 by Izvestia.

Housing has become the most popular goal for savings — 18% of respondents are ready to limit expenses for the sake of buying an apartment or a house. Another 16% of Russians are ready to save money for a car, 14% for travel, 13% for health, and 12% for education. 11% of the study participants chose large appliances and furniture as a target for savings.

The Russians called insufficient income the main obstacle to accumulating the necessary amount. That's what 43% of the respondents said. Another 23% reported that they faced unforeseen expenses, 19% pointed to rising prices and inflation, and 15% admitted that it was difficult for them to abandon their usual consumption levels.

To achieve their financial goals faster, 36% of the respondents are ready to reduce their daily expenses. Another 23% plan to increase their income through additional work, and 21% are ready to give up some entertainment and recreation. At the same time, one in five Russians would prefer to apply for a loan in order to make a large purchase and not change their usual lifestyle.

Unattended service: Russians have reduced spending on ateliers, dry cleaning and clothing repairs by a quarter

At the same time, food costs are rising

Most often, the study participants are willing to save on clothes and shoes — 16% of respondents may refuse such purchases. Another 14% are willing to spend less on delivery and ready meals, and 13% are willing to take a taxi. 12% of the respondents are ready to reduce the cost of entertainment and cafes, purchases for home and hobbies. At the same time, 11% of Russians said they were not ready to reduce their usual expenses even for the sake of a large purchase.

Most of the study participants are not ready to stay in austerity mode for a long time. The most popular option was a period of about a year, which was chosen by 32% of respondents. Another 23% are ready to limit expenses for several months.

The approach to savings also depends on age. Young Russians are more likely to choose a short period of restrictions: among participants aged 18-24, 33% are willing to save only a few months. In the 35-44 age group, the most popular option was to save about a year — 41% of respondents chose it. Among Russians over the age of 55, the answer was "I won't save up yet," 39% of the study participants said.

In addition, 17% of Russians are ready to save money until the required amount is reached. The same number admitted that they were not ready to change their lifestyle for more than a month. Only 11% are willing to save for several years.

Ksenia Lychagina, an international marketer, said on July 30 that the cost of goods and services is increasingly changing throughout the day due to the introduction of dynamic pricing, in which businesses take into account demand, seasonality, competitors' actions and other market factors. Dynamic pricing is a strategy in which the cost of a product is adjusted depending on current market conditions.