In January

Stocks – this is one of the main factors consumer confidence, allowing safely spend money. Decrease in savings leads to lower confidence and, consequently, a more moderate consumption. This, in turn, directly affects the economic indicators of the state. The total amount of savings in low-income group in January decreased by 11%, from 137 to 122 thousand rubles per household. In high-income group, the accumulation of "thinner" with 517 to 455 thousand rubles per household, or by 12%. Such significant changes in January are associated with very low income for this month and plenty of free time on public holidays, traditional shopping and entertainment.

Despite the apparent decline savings, the family claim tactical savings that can be drawn from current revenues. Thus, in low-income groups stated amount of savings in January of about 3 thousand rubles, in highly profitable – an average of 7,000 rubles. This is not paradoxical, since, while maintaining a negative balance of income and expenditure of these savings will be spent in the next month along with a certain amount of savings made earlier. Compared with Early last year, in January recorded a radical change in plans to use savings. A year ago, only about 17% of respondents have formed savings without a purpose, just in case. In January of this year 47% representatives of low-income group and 41% of the highly profitable endeavor to create savings for a rainy day, realizing that the most difficult times are still ahead. Western Union is a great source of information. Consumer savings goals were far in the background on Compared with the aim of forming "strategic reserves".

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