Кредиты, рассрочки и долги: как выбраться правильно из долговой ямы
Маргулан / Подкаст PROсмотры
333,947 views
In this episode of the "Views" podcast, we'll discuss personal finance without the "magic": how to organize your wallet, start saving even with a small income, and create a clear path to wealth. Host: Margulan Instagram: mark__serk, guest: Kuralai Mukhamedzhanova Instagram: kuralapochka, financial consultant.
Let's break it down step by step:
Where financial literacy begins: expense control and simple budgeting
Why it's important to "pay yourself first" and how the 10% rule works
How to easily track your finances (even through a regular chat) and how to use AI for expense analysis
How to start investing with $100-$200 a month, what is risk/return and compound interest
How to save for an apartment while accounting for inflation
How to get out of debt effectively: the snowball method vs. the avalanche method
⚠️ This is a general discussion and is not intended to be personalized financial advice.
Let me know in the comments: what's harder – saving 10% or not taking out new loans?
Subscribe to stay up to date with future episodes.
Timestamps
00:00:00 — Intro: Loans, Installments, Income vs. Expenses, and the Path to Poverty
00:00:47 — Welcome, Who's Guesting and What's the Episode About
00:02:23 — Guest Story: How It All Began and Why Personal Finance
00:07:42 — Money Mindsets: "I Don't Know How to Save," "We Live One Day at a Time," Fear of Big Money
00:12:08 — Where to Start with a Salary of ~300,000: Expense Control + Income Growth
00:16:34 — 2–3 Months of Expense Tracking → Analysis → Spending Adjustment
00:17:03 — Key Principle: Save First, Spend Later
00:17:40 — The 10% Rule and the Difference in Rich/Poor Thinking
00:18:31 — Safety Net: Why It Saves in a Crisis
00:19:29 — Financial goals: “passive income,” “house/apartment,” and why meaning is needed
00:21:22 — “Money to money”: how capital is formed
00:21:49 — Personal experience of the presenter: how he started planning his finances
00:23:37 — Life hack: track expenses through a regular chat (simple and familiar)
00:24:51 — How to connect AI: expense screenshot → analysis by category
00:27:21 — Investing from scratch: brokerage account and why it’s dangerous without knowledge
00:28:18 — Risk and return: why high profit = high risk
00:29:29 — Realistic start: $100–$200 per month for the long term
00:30:20 — Long-term and the S&P 500: the idea of an “investment savings plan”
00:31:35 — Why the market grows in the long term, and Drawdowns are normal
00:32:31 — How to calculate your personal "necessary capital" for your spending level
00:33:27 — Apartment/down payment: goal → term → how much to save
00:34:21 — Inflation: why "6 million in 3 years" is a different amount of money
00:35:49 — Deposit: where it's appropriate (a cushion), and where it's not (long-term)
00:44:01 — Debt: Step #1 — agree with yourself "I won't take on more"
00:44:25 — Debt: Spending control + temporary savings regime
00:44:51 — Loan repayment plan: avalanche vs. snowball
00:53:34 — Priorities: health, emotions, "whatever I spend it on"
01:02:52 — Financial independence: who has a lower income, but their capital is growing Faster
01:04:44 — Compound Interest: The "8th Wonder of the World" in Investing
01:05:18 — Example: $100 a month for 40 years → big payoff
01:06:42 — Why you shouldn't count on your children in old age
01:08:07 — Discipline + Time = Wealth
01:09:44 — Final Thoughts: Building Assets, Capital, and an Inheritance
20 Comments
Принимаю решение по ютуб готовить тортики на заказ 😆 но я это взяла не с потолка,у меня была база,с пачкой Асель я начала готовить торты в деревне у родителей дома. Начинаю зарабатывать с этого почти 150к в месяц,но не бросаю работу,был страх. Почти 2 года так живу. В 2023 году решаю переехать в Астану и рости в зп. Начинаю зарабатывать 280 000 на руки. Дочь у родителей. Дом своего нет,накоплений нет. Не бросаю готовить тортики,учусь делать таргет и тд,получается делать заказы и чистыми зарабатывать 200к тенге в месяц иногда 100к. Все что я заработала с готовки я начала откладывать в депозит. В среднем 150000*12=1 800 000 тенге и так 2 года.
По льготной программе получаю кВ в 2025 году квартиру 50м2 как мать одиночка и забираю дочь. Ежемесячно плачу за кв в Астане 98000 тенге. % ставка низкая так как льготная программа. Сейчас я работаю как бухгалтер и веду ип параллельно я пеку до сих пор свои топики и мой заработок составляет 700 000 тенге. Я не рвусь на части как раньше. Не трачу и не беру доп рассрочки и тд. Продукты покупаю на дальнем базаре,езжу с утра по выходным. И сейчас откладываю на кв дочке. Спасибо мне что не сломалась,мой единственный мотиватор моя единственная любимая дочь. Спасибо что ты есть моя маленькая принцесса. Мы не тратим на веселье и тд. Ребенка вожу на игровые 2 раза в месяц 10000 тенге
На продукты трачу 50000 тенге
На квартиру 98000 тенге
Одежду заказываю с пиндошки 30000 тенге в месяц. Занимаюсь дома и придерживаюсь пп.
Я не осуждаю, и я не знаю у кого из нас правильнее понимание жизни. У всех были разные приоритеты жизни.Но сейчас в своем возрасте 46 лет живу в своей квартире, купила за собранные деньги, чтобы не тратится пока ждала сдачу жк, покупала доллары и в 2015 доллары взлетели сделала на них ремонт. Живу без каких либо глобальных кредитов, Каспий ред если только был, но и уже год как закрыла. Могу выбирать работу, легко уволится там где не устраивает, и с 2021 года работаю онлайн. Планирую расширятся, не продавая свою квартиру. Хотела своим комментарием донести свою мысль, что мир уже давно не стабилен, и в 40-70 лет хочется всем жить без особых стрессов, и чтобы всегда была «заначка» для непредвиденных ситуаций , которое более менее дает хоть какое нибудь спокойствие. И стараться быть в балансе во всем.
Кредиты, рассрочки и долги: как выбраться правильно из долговой ямы
Маргулан / Подкаст PROсмотры
333,947 views
In this episode of the "Views" podcast, we'll discuss personal finance without the "magic": how to organize your wallet, start saving even with a small income, and create a clear path to wealth. Host: Margulan Instagram: mark__serk, guest: Kuralai Mukhamedzhanova Instagram: kuralapochka, financial consultant.
Let's break it down step by step:
Where financial literacy begins: expense control and simple budgeting
Why it's important to "pay yourself first" and how the 10% rule works
How to easily track your finances (even through a regular chat) and how to use AI for expense analysis
How to start investing with $100-$200 a month, what is risk/return and compound interest
How to save for an apartment while accounting for inflation
How to get out of debt effectively: the snowball method vs. the avalanche method
⚠️ This is a general discussion and is not intended to be personalized financial advice.
Let me know in the comments: what's harder – saving 10% or not taking out new loans?
Subscribe to stay up to date with future episodes.
Timestamps
00:00:00 — Intro: Loans, Installments, Income vs. Expenses, and the Path to Poverty
00:00:47 — Welcome, Who's Guesting and What's the Episode About
00:02:23 — Guest Story: How It All Began and Why Personal Finance
00:07:42 — Money Mindsets: "I Don't Know How to Save," "We Live One Day at a Time," Fear of Big Money
00:12:08 — Where to Start with a Salary of ~300,000: Expense Control + Income Growth
00:16:34 — 2–3 Months of Expense Tracking → Analysis → Spending Adjustment
00:17:03 — Key Principle: Save First, Spend Later
00:17:40 — The 10% Rule and the Difference in Rich/Poor Thinking
00:18:31 — Safety Net: Why It Saves in a Crisis
00:19:29 — Financial goals: “passive income,” “house/apartment,” and why meaning is needed
00:21:22 — “Money to money”: how capital is formed
00:21:49 — Personal experience of the presenter: how he started planning his finances
00:23:37 — Life hack: track expenses through a regular chat (simple and familiar)
00:24:51 — How to connect AI: expense screenshot → analysis by category
00:27:21 — Investing from scratch: brokerage account and why it’s dangerous without knowledge
00:28:18 — Risk and return: why high profit = high risk
00:29:29 — Realistic start: $100–$200 per month for the long term
00:30:20 — Long-term and the S&P 500: the idea of an “investment savings plan”
00:31:35 — Why the market grows in the long term, and Drawdowns are normal
00:32:31 — How to calculate your personal "necessary capital" for your spending level
00:33:27 — Apartment/down payment: goal → term → how much to save
00:34:21 — Inflation: why "6 million in 3 years" is a different amount of money
00:35:49 — Deposit: where it's appropriate (a cushion), and where it's not (long-term)
00:44:01 — Debt: Step #1 — agree with yourself "I won't take on more"
00:44:25 — Debt: Spending control + temporary savings regime
00:44:51 — Loan repayment plan: avalanche vs. snowball
00:53:34 — Priorities: health, emotions, "whatever I spend it on"
01:02:52 — Financial independence: who has a lower income, but their capital is growing Faster
01:04:44 — Compound Interest: The "8th Wonder of the World" in Investing
01:05:18 — Example: $100 a month for 40 years → big payoff
01:06:42 — Why you shouldn't count on your children in old age
01:08:07 — Discipline + Time = Wealth
01:09:44 — Final Thoughts: Building Assets, Capital, and an Inheritance