The optimal amount of “airbag” that is needed for life during a job change, recovering from a serious illness or in case of unplanned expenses should be several average monthly family expenses. The agency “Prime” informs about it.
Pavel Guzhikov, the founder and CEO of the fintech company Money Forward, stressed that the pandemic had made adjustments to the amount of these savings, proving that the search for a job could take six months or more. Therefore, the “pillow”, he said, should be equal to six to nine months of family income.
In addition, Isaac Becker, an international financial consultant for FCP Financial Management Ltd, is confident that the amount should be even higher – before the annual expense. This will allow you not to be afraid of a sudden dismissal and other circumstances.
According to a survey of the Romir holding for 2020, the average cost for a family of three, in which two work, amount to 85.7 thousand rubles. That is, for a family of four, this amount will grow to 100 thousand. Thus, according to Guzhikov, the optimal “safety cushion” should be 600-900 thousand rubles.
The poll showed that Russians most often save up for large purchases, for example, electronics, and some began to save money for a bright future and the creation of a financial safety cushion. The most common goal of savings is the purchase of gadgets – on average, 30 thousand rubles are set aside for this.