Piggy bank: how to spend money correctly

2023 has already been called the year of money by many astrologers, tarologists and other spiritual enlighteners. We don’t know if this is due to the correct alignment of the planets or the growing trend of keeping a journal of income and expenses, but everyone in our editorial office has already made a financial pillow for themselves to sleep better.

Indeed, many who were previously guided by the motto “we live once” or “my inner goddess requires a sushi set” began to claim their funds. This is especially noticeable among young people. This is not surprising, because the younger generation has been taught from childhood on the right attitude towards money, how to distribute their own budget, albeit small, and that financial literacy is actually a useful and necessary skill. In the future, these people will be smarter about their spending, not using microcredit and choosing the right debit cards. Let’s talk about the latter in more detail.

It’s no secret that even a child can open a bank account and get a card (although this may require the help of a parent, who reads the details). But which bank to go to and which card to choose – the questions are more complicated. Below are a few helpful points you can rely on when choosing!

Determine why you need a card

If you have decided to open an account for the first time and issue a card, the most important thing (and we will not tire of repeating it) will be the answer to the question: for what purpose are you going to the bank? Maybe you need a paycheck or you’ve decided to open a savings account. Think carefully before filling out the paperwork.

Are there any good bonuses?

Many banks offer useful and pleasant things when applying for a card. It can be cashback, free service or bonus from every purchase.

By the way, the Mir payment system is currently running a great promotion. National cardholders up to the age of 24 will receive 10% cashback on purchases made from partners. To participate in the promotion, the payment system is on the website of the loyalty program or Hello World! The important thing is not to forget to indicate your age in your account.

Partners of the campaign include Golden Apple online cosmetics and perfumery store, Befree, Zarina, Street beat, Ostin, lio clothing stores, Yandex.Food restaurant food delivery service, Skillbox, SkillFactory, Geekbrains education platforms and the social network VKontakte. . .

How much will you pay for translations?

Usually, transfers to accounts at one bank are free, but a commission is charged for transfers to another bank. But when using the Fast Payment System (FPS), to which more than 200 banks are currently connected, you can transfer money to another bank without commission of up to 100 thousand rubles per month, above this amount an insignificant commission will be charged.