Testaments of the Elders of Zion. The Protocols of the Elders of Zion: The Incredible Truth

I live in St. Petersburg and have been working remotely for five years. I changed about a dozen companies, but only one of them (the first) was from St. Petersburg. The rest are from Moscow.

A couple of times a year I hear a very logical proposal: “Let’s move!” There are more opportunities right there.” Each time this story ends the same way - I take a couple of days to think about it, but consistently refuse.

Firstly, judging by my busyness, there are enough opportunities even at a distance - you just need to grab them and not click your beak.

Secondly, it is important to understand that life in Moscow is much harsher than it seems.

1. They don’t return from there. This is a medical fact. I judge from the experience of my friends who fled to Moscow: after moving to the capital, people cling to it to the last.

Return to hometown for some reason it is considered a sign of a loser - a person is forced to make excuses and answer a bunch of idiotic questions.

On the one hand, I don't care. On the other hand, Moscow, apparently, is changing consciousness: you yourself begin to think that the chance to fully realize yourself is only there.

2. All existence is aimed at making money. Money, in turn, is needed to buy an apartment.

This prospect is frightening for two reasons. The first is the price of rental housing: you need to live somewhere until you save up for the first mortgage payment. Renting a decent apartment in the center costs at least 50 thousand rubles - in St. Petersburg it is much better (30-35 thousand per month for a decent house).

The second problem is real estate prices. From time to time I communicate with very famous characters from TV. I see how they take on the management of any events only for one thing - to quickly pay off the mortgage. But even media people take many years to collect the entire amount.

An ordinary person would have to ruin his life to buy an apartment in Moscow. Sense – zero: in any other Russian city(including in St. Petersburg) buying your own home is much easier. We must admit: an apartment in Moscow is a guarantee of stress, but not happiness.

3. There is hellish traffic in the capital. You need to take the metro, then get on a bus, and then on some rare minibus. Stand in traffic jams, get into a taxi, and then dive back into the subway to make it on time - and still be late.

Moscow acquaintances pay for transport every five times more money than me in St. Petersburg. You can easily spend 10-15 thousand a month on the same Uber (although some manage to spend 25 thousand).

4. Expensive gyms. In St. Petersburg, for 25-30 thousand you can buy an annual subscription to an excellent fitness club with new exercise equipment and a swimming pool. There are plenty of halls - even I (I live on the outskirts) have at least five within walking distance.

In Moscow, for 30 thousand they will give you a level slightly higher than in a basement rocking chair. Good gyms start at 50 thousand. And it’s far from a fact that you will be lucky to live next to such a fitness center: it is likely that you will have to get to it by transport (see the previous paragraph).

5. Exorbitant price tags. Of course, the high cost of Moscow is exaggerated, but the average bill for things and products there is really high - it feels like 20-30% higher than in St. Petersburg.

Conclusion: Living in Moscow is very depressing and expensive.

The formula is: you earn a lot, you spend about the same. At the same time, you are dreaming of the moment when you finally move into your own home.

To settle comfortably in the capital, you need to earn at least 500 thousand rubles a month. Then there will be enough for the mortgage and everything else, including traveling a couple of times a year.

But this kind of money (half a million) is paid either to top managers, or athletes, or politicians. The alternative is discovery own business, but we are now talking specifically about hiring.

Therefore, I propose to talk about more or less real income.

So how much money do you need?

50 thousand rubles - below the average Moscow salary (60 thousand in 2015). For 50 thousand you can rent a room and live in such a way that there is only enough for food and clothes without frills. This is the absolute minimum level. No savings, no vacations.

IN best case scenario enough to visit your hometown a couple of times a year and talk about the chic Moscow life. Moreover, you will have to go home either by bus or by reserved seat.

100 thousand rubles - options appear. You can either rent a room (15-20 thousand) and save for a mortgage (or tourism), or rent an apartment (from 40-50 thousand) and spend the remaining money on yourself.

You won’t have to go hungry, and you won’t have to save a lot either, but all the entertainment will be mundane: a movie on Wednesdays, a bar on Fridays, Auchan on Sundays.

In general, 100 square meters is the point from which it is worth moving to Moscow. If you live in a shallow province and earn 40 thousand, and you are invited to the capital for 65-70 thousand, it is quite stupid to agree - the level of comfort and security will be approximately the same. Therefore, bargain up to 100 thousand.

150 thousand rubles is the most dangerous amount. Even by the standards of Moscow, you are already raising very well, but there are a lot of temptations. Karaoke, hookah bars, travel only by taxi.

You can immediately forget about renting a room - only a hut suits you, and such that you won’t be ashamed to invite friends. In addition, annual gadget updates are added - there’s no way without it.

Bottom line: 150 thousand is almost no different from 100 thousand. The money for the mortgage will still trickle in slowly (“Just think, I’ll still have time to earn money”), but the cash for entertainment will start to fly away just like that.

200 thousand rubles is the limit for those who have brains and willpower. You can safely save 100 thousand a month for a down payment, and live just like those who raise 100 thousand.

Here the question of self-control arises - it is important not to waste extra money. One of my friends who lives in Moscow earns 200 thousand, but is drowning in debt because he loves to live beautifully. You shouldn't follow his example.

250-300 thousand rubles is ideal. A person who is able to earn such sums in hiring will have enough creativity for everything: planning a vacation, finding the perfect home, and saving money (more precisely, for a profitable deposit in a bank).

So for me personally 300 thousand- the threshold from which you can start talking about moving to the capital for permanent residence.

So far they haven’t offered that much, so I go to Moscow 1-2 times a month for very urgent matters. All this costs 5-10 thousand rubles - an adequate payment for living in the city of dreams, but working for those who are based in the city of opportunities.

The Russian dream... What is it like now? And what does a person need to be happy? The generally accepted norms are still to own your own apartment and car; without these aspects no one will be happy. Therefore, it is necessary to take into account the stable saving of funds for their purchase. And this is in addition to the standard needs and requirements for which money is spent every month.

In today’s article we will calculate how much you need to live comfortably in Russia and how much you need to earn. In particular, people’s needs differ from requests, so the article will provide average data, which should be based purely theoretically.

First, determine the list of things you need to be happy. We recommend making a list with detailed description everything you need and prices for this “everything you need”.

Define for yourself the concept of a beautiful life.
Decide what kind of housing you need
Decide what kind of car you need
Make a list of minimum requests and needs
Determine the average amount of money for a comfortable stay based on the available free access data on prices for apartments and cars.

How much does a family of two spend on average?

For example, let's take a young couple who rent an apartment relatively far from the center of Moscow. What we have:

Flat rent– 25 thousand rubles
Nutrition– 15 thousand rubles
Cosmetics and hygiene– 2 thousand rubles
Internet and mobile connection – 1.5 thousand rubles
Gym– 2 thousand rubles
Cigarettes– 1 thousand rubles
Entertainment– 5 thousand rubles.
Car costs– 8 thousand rubles.
Purchasing the necessary clothes– 7 thousand rubles.

In total, we receive 66.5 thousand rubles, which for Moscow, taking into account its salaries (on average, a young couple earns 80-90 thousand rubles for two) is quite good. But they don’t have their own apartment.

How to buy an apartment in Moscow

Let's define the initial conditions: a young couple, without children, with a small capital of 2 million rubles, living in a rented apartment. On average, you can afford a good apartment in Moscow for 10,000,000 rubles, and to purchase it with a mortgage, you will have to pay 20 percent of the initial cost. Consequently, the couple will take out 8 million rubles on credit.

The most profitable offer is the offer from Sberbank of Russia, under which you will have to overpay 14.5% per annum for 10 years. Using simple mathematical calculations, we get an amount of 127 thousand rubles monthly, and in addition to 8 million, you will have to overpay another 7 million as interest. If we take into account standard living expenses, then in total a young couple in Moscow needs to earn 170 thousand rubles per month. As you can see, the amount is exorbitant and not everyone will be able to afford such a lifestyle for another 10 years.

How to buy an apartment in a large regional center

We take into account similar conditions - total income of 60 thousand rubles and costs on average at 40 thousand rubles. A normal apartment will cost 3 million rubles and a young couple wants to take out a mortgage on this apartment. Previously, they managed to save 20 percent for a down payment of 600 thousand rubles. That is, a couple needs to take out a loan of 2.4 million rubles to buy an apartment. Let's see what the banks offer.

The best option comes from Sberbank - 14.5 percent for 10 years. In this situation, you will have to pay 38 thousand rubles monthly. In other words, taking into account the paragraph on necessary expenses, the couple will need to earn at least 65 thousand rubles between them for a more or less comfortable life. But this level of salaries in remote regions of Russia can be called a myth, so a mortgage is not the best option for purchasing real estate.

Saving for a car

In practice, the cost of the car should not exceed your annual salary, because otherwise you will spend a lot of time collecting the necessary funds. In addition, over time the car will need major repairs, and the more it costs, the more money you will have to pay. We are already silent about the constant refueling and the increase in gasoline prices, as well as the increase in spare parts, whose price directly depends on the dollar exchange rate.

The first car will require an initial investment, so the best option would be an old car, which can be exchanged later for a more expensive one. new option, perhaps of the best class.

On average, the cost of an “average” car is now 350-400 thousand rubles. Using mathematics, we can say that by saving 10-15 thousand rubles a month you will be able to afford your own car in two years. Pretty good for a man who achieves everything himself.

Where to invest free funds?

Let's look at the most popular directions:

Bank deposits – 15 percent of annual revenue
Investment funds – 20 percent of annual revenues
PAMM accounts – 40 percent of annual revenue, but also quite big risks
Real estate – 100-200% profit from the initial transaction amount
Business - a lot depends on the success of the project, this leads to significant risks
Purchasing precious items

Using the methods described above, you will be able to passively earn good money, which you can spend on yourself or further reinvest in your chosen source of income. It all depends only on you and your ability to manage personal funds.

How much do you end up with?

To summarize, it turns out that for complete happiness you need an apartment, a car, money, not monthly expenses, and a stable vacation once a year. Based on the data provided above, it turns out that in Moscow for a comfortable stay you will need an amount of 200 thousand rubles for a family of two people. In less major cities In Russia, this amount will be half as much (depending on real estate prices) and will be 100 thousand rubles.

If the theory doesn't work

The data presented above is only theoretical information, so in practice everything looks much worse. A lot depends on your own real estate. If you got an apartment from your grandmother, then you are very lucky, but if not, then you will have to do whatever you can to afford your own home. To do this, you will need to moderate your requests and stop spending money where you can do without it. There is no point in buying yourself a good car right away; it will be enough to buy a car from the domestic automobile industry and, over time, as you accumulate funds, exchange it for a better car.

But all these arguments come down to one thing interesting fact– not everyone is able to earn the amounts of money indicated above, and not everyone already has any deferred capital. As practice shows, paying the mortgage often falls on the parents, and it is not always possible to get help from them. In this case, you will have to wander around rented apartments until you are 40 years old and only then buy your own corner of housing to raise the next generation there.

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Nowadays there is a topic being actively discussed on the Internet and in kitchens: Muscovites, they say, are completely greedy. Money from all over Russia flocks to the capital. Muscovites (and those who consider themselves one of them) sit in offices, don’t worry and receive astronomical salaries. And this while the province, which feeds the capital, survives on 20-30 thousand a month.

Let's find out how much you need to earn to live in Moscow. How much money is needed for this?

Well, let’s arm ourselves with a calculator and calculate: how much do you need to earn per month to survive(note, survive, not pee in a gold-plated toilet) in Moscow? Let's take the average family: husband, wife and Small child. Only the husband works because the wife stays at home with the child. Hiring a nanny will cost a pretty penny. Therefore, the most common option: the husband brings home the money, the wife runs the household. The husband’s salary, accordingly, should be enough for three.
The first and most pressing question is: where to live? Huddled in your parents' apartment - you won't have enough nerves. Most often, such a relationship ends in divorce. It is not economically profitable to vegetate in a rented apartment. Why pay someone else's uncle if you can buy your own home? Therefore, our family takes out a mortgage on a two-room apartment. This is the most reasonable way out of the situation. Most Muscovites do just that, despite the very steep interest rates on mortgage lending. If you don't believe me, look at the statistics.

Let's write down the first numbers. A bad one-room apartment somewhere in residential area Moscow costs from 8 million rubles. Suppose our family was incredibly lucky and managed to get under a preferential program like “Young Family”, etc. If we consider the minimum (mortgage for 20 years at 12%), then housing expenses are 113 thousand per month.

The second question follows from the first. Apartments in the capital are rented out in a state absolutely unsuitable for living. Bare walls without furniture or plumbing. All this must be bought. If the apartment was purchased on the secondary market, repairs are needed. Because the plumbing fixtures are most likely destroyed, the furniture is shabby, and the wallpaper is terrible. Renovating an apartment in the capital will cost you many times more than in any other provincial town. Because in Moscow everything is very expensive by default. After all, the stereotype is firmly ingrained in our heads: Muscovites don’t have a lot of money. In general, finishing the apartment plus buying furniture will cost a million or more. To save this money in advance, you need to save 17 thousand rubles for about 5 years. You understand that this option is hardly feasible. That's why our family takes million for repairs on credit along with a loan for an apartment. This is another plus to monthly expenses.

Question three: how can a husband get to work and a wife get to the shops? At least one car is required. In practice, a family cannot manage with one car, so, as a rule, Muscovites have two cars. This is not a luxury, but a vital necessity. Maintaining one car costs a Russian about 315 thousand a year, and a Muscovite even more. Per month per car(insurance, car wash, gasoline, repairs, etc.) the family spends at least 21 thousand.

The housing and transport issues have been resolved. Let's move on to the daily details of life. Rent(Internet, mobile phones, etc.) - at least 5 thousand. Meals for 3 people (without culinary delights and delicacies, only the essentials) - 15 thousand. Meals for husband outside the home - 5 thousand. Total our the family eats 20 thousand a month.

Further. The family still needs something to wear. We don’t live in India, but in a harsh climate. Moscow, by the way, is the northernmost European capital. That's why Clothes for three people- at least 5 thousand. get a haircut, make the simplest manicure and so on another 3 thousand. Sometimes you also need to rest. Otherwise, in the polluted, crowded capital you can go crazy. A basic holiday in cheap Thailand for two costs 167 thousand. That is, We add another 14 thousand for vacation to monthly expenses.

Total it comes out to 200,000 rubles. per month. And if you count personal income tax, then The average family in Moscow needs to earn at least 230 thousand a month! Just to survive.

Of course, there are only one or two such salaries in Moscow. Hence the unreal corruption. People in the capital are running around as best they can, taking bribes, kickbacks, stealing on the sly, and so on. They save at least something and buy an apartment. It turns out to be a vicious circle: hauliers buy apartments, apartments become more expensive, people start stealing and saving money, buy apartments, apartments become more expensive, and so on ad infinitum.
And you say: “Muscovites are greedy.”