Translation. Region: Russian Federal
Source: Mainfin Bank –
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How do Russians evaluate the financial “safety cushion”?
During the survey, 38% of Russians admitted to having no savings – they have no savings, so not receiving a salary in the first month will have a negative impact on their standard of living. The remaining citizens noted that they have a "safety cushion", savings are enough to live without income:
13% of Russians – no more than a month; 24% – within two months; another 12% of citizens will be able to hold out for up to six months; 7% of respondents are ready to live on savings for up to a year; only 6% of Russians have savings that will last for a year or more.
A similar picture was demonstrated by the results of a similar survey conducted a year earlier. Then, 27% of respondents stated that their savings would last up to three months, and 12% – up to six months. The typical portrait of a person with savings was a family man, holding a management position in a large city and having a higher education.
What has changed in the area of financial literacy among Russians?
Although almost 40% of Russians do not have savings, the level of economic literacy in the country continues to grow. As the results of the study showed:
78% of the population control the family budget; 80% of citizens plan income and purchases; about 50% of respondents keep track of their funds.
“Surveys show that Russians are attentive to money – many plan a budget, control expenses, and keep records,” the expert noted.
By the way, the literacy level of men is higher than that of women. Representatives of the stronger sex tend to plan expenses for a longer period – from six months: women are more likely to make impulsive purchases. Experts reminded that having a “safety cushion” for 3-6 months is the optimal solution that will allow you to survive a crisis or force majeure.
12:00 07/15/2025
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