Finances are a resource that can improve the quality of life. And it opens up many opportunities for a person. But you need to be able to use this resource correctly.

The search for a better life made me think about my financial condition and options for improving it.

My family arrived in Novosibirsk at 1981. We did not have any housing and material resources. We started living early on our own. All this helped me already at a young age to understand that physical labor does not make a lot of money. But very work can harm health.

Therefore, I did not choose a working way to improve my financial well-being. I entered the university in order to have more opportunities to realize my acquired skills in finances, which will be the backbone of my family and a better life.

The system of our education is built in such a way that in the learning process we do not apply the knowledge gained in practice, respectively, do not get the necessary skills, and without experience, we do not have sufficient income. This fact and the economic model of the development of society in the early 2000s forced me to go into commerce. I can’t say now that it was the right step.


At 2016, when people’s incomes declined, as a result of the devaluation of the ruble, it became obvious to me that there was no one to sell goods and services. People in the country are impoverished, like me, we buy only the most necessary things, we do not develop. We import almost all goods and equipment, spending on this petrodollars obtained from the export of oil and all other resources. We do not support the real sector of the economy with internal investments, and we do not create favorable conditions for its development.

The economy will not develop until these conditions are created and until people have excess money. Personally, I am not happy with my financial level.

That’s how I once again made sure that need to improve my financial literacy. The possession of large capital without the skills of managing it has not helped anyone yet. Therefore, learn to handle finances you possess.

All great things started small.

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