Where does money disappear and why isn't it in your pocket at the right time? Why do all plans fail to manage their own funds wisely and prudently? How to buy something that you can't buy, but really want? An experienced financial consultant Yulia Sakharovskaya is taken to answer these topical questions. She talks about how to make and maintain a personal and family budget, where to keep money, how to save it and spend it wiser, how to get rid of unnecessary expenses. And how, in the end, to buy a house on the sea without depriving yourself of everyday joys. This book will teach you how to properly manage money - to draw up a clear financial plan and use modern financial instruments: deposits, cards, mutual funds. With it, you will quickly understand which style and methods of money management are most suitable for you, how to start a new financial life right now.