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	Create New Topic   My Posts   My forum buddies   Invite friends   Private messages Russian brides > Main Forum > Money, Economy, Budget,...... Author Post sanchopanza Member send PM   block PM add to buddies Send: 7/7/2004 12:24:15 AM   Money, Economy, Budget,..... -Spending... -Saving... (generally, in FSU) Do people spend money as soon as they get it? -before they get it? (loans, credit cards) Marinka Member send PM   block PM add to buddies Send: 7/7/2004 4:16:10 AM   Sancho, All depends on the income, salary a person has. If it's handsome a person can afford to spend money on what he wants. If the income is low people try not to waste money. In general women are very thrifty and decide what purchase are "a must" and what can wait. jjbarrier Member send PM   block PM add to buddies Send: 7/7/2004 5:08:24 AM   Marinka, can you educate us ignorant westerners on what life looks like economically for people in Ukraine or Russia? How much does an appartment cost to rent, how much money do people make on the average, and things like that? I don't think I have read anything in this forum on that subject, and I don't necessarily want to ask the ladies I am writing to. Dale E Member send PM   block PM add to buddies Send: 7/7/2004 6:02:33 AM   "Ignorant Westerners" ???? Speak for yourself Buddy! LOL I remember reading somewhere that the rent varied from $30-$70 a month. Could have been outdated info though. Of course Marinka and Ptichka will probably say I'm wrong and make me look like an "Ignorant Westerner" :o) Tyson Member send PM   block PM add to buddies Send: 7/7/2004 6:06:52 AM   jj the way i understand it, it is somthing like this- most people own their own homes/apartments because it was given to them, from the government. The medical is free aswell, Food is cheap and they have a flat tax of 12%, so what ever money they make is just used for food, utility bills, clothing ect.. I was talking to a man who married a russian lady, but before they married she lived with her parents and had a job makeing almost 200 dollars a month. now she didnt have to buy food because her parents provided that, she didnt pay rent, or utilities, so she was able to pretty much buy what she wanted, goto movies, buy shoes ect.. he said you could compare her making 200dollars a month to a woman in america makeing 2000 dollars a month and living buy herself. now of course if the woman lives on her own and makes 200dollars a month you would start deducting bills, ect... but basicly they arent doing bad at all. also I have read in numerous places that a woman in russia makes from 100 to 200 a month, in the ukraine it might be a bit lower, i am not sure. look up different marriage agencies, some have info on there main pages like average income ect... Marinka, please step in and offer your opinion if im telling this wrong. =) jjbarrier Member send PM   block PM add to buddies Send: 7/7/2004 7:53:04 AM   Sorry, Dale, I didn't mean to insult anyone and have no problem admitting my ignorance, but I think in general it is true that little is known or made public about life in the FSU,others than bad news, such as high inflation, joblessness, crime, less civil liberties, etc. Thanks for the comments, Tyson. I think in another thread someone commented that they were going to live in the FSU for a year or two, I think it was Kharkov, to be able to search for their dream woman more thoroughly. Has anybody ever considered actually going to live with his woman in FSU rather than the West. It seems to me if you have some money set aside already that would go a lot further there than in the west? What about qualifications - does anybody know how they compare? Suzi Member send PM   block PM add to buddies Send: 7/7/2004 8:06:05 AM   Good Day! I new here. Im 22yo old girl, and live in Ekaterinburg, Russia. I would like to bring in some clarification to your conversation, and to write as there are affairs at us in Russia. For example: My sallary is 300$. I rent a appartment for 200$- it is 1 room appartment without phone.(including water and electrisity bils. Thets not bad at all, some appartment more expencive. I have no choice, couse my perents lieve in the other city. I dont buy clothes very often, couse for exsample , jeans cost 30-50$, t-shirts cost 10-20$, shoos 50-70$. Go out cost for a night club - from 20$ to 50$. Go to the movie cost 5-7$. To eat out cost for lunch 7-10$, MC Donalds 5-7$. Dinner in restaurant (cheap one)from 20. As you can see, I cant have money for savving, I dont have bank-account. If I lieve whith my parents, I wuold not have to pay for rent and food. But I want to be independent, thats why I live separately and pay my bils myselv. Many of my frents live the same way. I we are not complaining. Marinka Member send PM   block PM add to buddies Send: 7/7/2004 8:14:53 AM   In Moscow the minimum price for one room apartment is $250, and you will be lucky to get one at such a price :o( Marinka Member send PM   block PM add to buddies Send: 7/7/2004 8:16:11 AM   Forgot to say that average salary is $400 Tyson Member send PM   block PM add to buddies Send: 7/7/2004 10:24:42 AM   thank you Suzi and Marinka for your input, your knowledge is most helpfull. GLTALLTOAD Member send PM   block PM add to buddies Send: 7/7/2004 12:32:03 PM   Leave it to the financial planner in me to freak out when I read the numbers Suzi and Marinka just mentioned....bbbbrrr Paying for a 200 dollars monthly rent on a 300 dollars monthly salary tells you the income per capita is is astronomically LOW in relation to the local cost of living. 66% of your income to pay for the roof over your head, it's what it means. In Moscow it sounds like it may be worse if the rent is 300 dollar on a 400 dollars salary...It means 75% goes to pay for the same roof over your head. Marinka, Suzi, Pitchka, Do people save? what do people use to save? Are banks certificate of deposits popular? Is foreign currency a widespread form of savings among the people? toad Dale E Member send PM   block PM add to buddies Send: 7/7/2004 12:43:09 PM   Toad- I imagine they would have to blow the dust off any paper work for a "certificate of Deposit" if they even have them. For the rate of rent vs. income, I would say that Piggy Bank is the most popular form of savings. I know this doesn't apply to everyone as there are some rich people there also. Ptichka Member send PM   block PM add to buddies Send: 7/7/2004 12:55:39 PM   The size of a salary depends on the town the girls lives in, and it also depends on her speciality. One of my friends who works in "1C" (accounting program) earns 100 $ per month. Usually people here in Lugansk get 70-100$ per month. Those who still work on plants can get 10 $ per month, because most of the time the plants fon't work. Yes the medicine is free of charge, but if you're ready to sit in long lines (for about 2-3 hours, where you can get ill more then you were before sitting in that line) then you of course can go to a municipal hospital. Also if you have to go to the hospital you need to buy all the medicines by yourself, even bandages and cotton wool. And I personally prefer to go to a dentist who works privatly, and pay him some sum of money, but he will do everything correctly, and will care about my health, and he will provide all the medicines needed, then to go to a dentist who works in the free of charge hospital. Food is cheap...depends on what food, ok potatoes are cheap, but meat is not cheap at all, sausages are not cheap. And I know many people who eat potatoes and sour cabbage, and don't eat meat at all because they can't afford it. Saving money...well personally I try to save some money so in the time of need to have it, I prefer to put them in the box then into the bank. I may spend the money I save to buy some clothes or go to a vacation. Buying clothes is also a rather strange thing, if I may express myself this way...I need to save for many months to buy good clothes, and not the one that will be worn after 2 months. And I don't go shopping into expensive shops, I usually go to the market, where the prices are much cheaper. My boyfriend and I we rent a flat for 40 $ per month, and this is thought to be a very good thing. it seams cheap, but when you compre it with the salaries people have, it's not so cheap. And those girls who live with parents and have a good salary, help their parents in most cases, parents and relatives. GLTALLTOAD Member send PM   block PM add to buddies Send: 7/7/2004 1:20:59 PM   Thank you Pitchka, Puting some cash away in a box for later use is not considered true "savings" by any western measure. Inflation alone eats away at the value of every cent you keep in your pocket or in the "piggy bank", like Dale said. Real savings are the monies you put away in bank accounts that earn interest or in conservative investments like bonds, money markets or mutual funds that have low or zero risk to the principal. Do people in FSU use these saving instruments? What is the popular perception of banks throughout FSU countries? Despite the financial power that industrialized western countries have, the middle and lower classes are still far behind when it comes to saving discipline and education. I have campaigned for over 15 years to include the "Rule of 72" in every California High School curriculum to teach our youth about the power of compound interest in savings as well as the slavery of compound interest in credit debt.....but the liberal legislation of this state, and most of the country, would rather encourage people to buy on credit and live in debt than save and live financially independent lives. It's one of my pet peeves.....very frustrating, indeed. toad Man Member send PM   block PM add to buddies Send: 7/7/2004 1:23:40 PM   My friend is a Leutenant in the police in a city outside of Moscow. She says it takes her 10 days pay, to buy 1 cheap Chinese made shirt. michel70 Member send PM   block PM add to buddies Send: 7/7/2004 1:26:50 PM   Thanks for your insight !! Very helpful !! Jesus Christ ! What these ladies have described about Russia and Ukraine is exactly just like South America. If I havenīt live there for some years I would be amazed about what I just read here. Ii is quite the same. Some rich ou very rich people, few that could be considered middle classes and most who struggle to make enough money for the whole month. The rent takes 60 ou 70% of your income. Then the utilities and food. Then almost nothing left for clothes, fun, etc. You really have to but lots of stuff at street markets or in shops where you pay what you buy in 3 or 4 monthly payments... It seems like FSU is even worse, or at least in some places in FSU... Poor world. No wonder people donīt mind to get out if they find love and confort somewhere else. ron Member send PM   block PM add to buddies Send: 7/7/2004 1:30:43 PM   Russia is booming http://userpage.fu-berlin.de/~segbers/working_papers/AP46.pdf look at page 28 for the 2000 figures for russia. When i assume an 8% economic average growth and inflation of 4% a roeble growth of 12% a year give app 60% roeble growth to 2004 that would give an average household income variing per sovjet area of 1350R to 4700R not including the nonofficial, the homemade and homegrown part (vegitable garden) of the economie which i believe is estimated an additional 200% this would give a $value of 135(45) to $750(250)per household. Bear in mind that the salary diverences are very large between jobs. http://www.cia.gov/cia/publications/factbook/geos/up.html GDP - real growth rate: 8.2% (2003 est.) GDP - per capita: purchasing power parity - $5,300 (2003 est.) purchasing power parity is not what people earn but what they can buy for it. (world=8300, us=37800, france/germany=27500, baltics poland 10-12000, moldova 1800.) In the magazin russian life the following was mentioned: avg salary in furniture factory in (t)omsk $300, reasonable experienced oilrig worker $700-$1000 (kanty-mansi autonomus okrug area=nefteyugank/surgut which is the wealtiest cccp area(2000) ), Further one is expectated to be in the Siberian middle class when each member of a household can rely on at least $500 per person (mum,dad,2kids=2000!!) have a appartment, a car and go on hollidays in the south or abroad. "the siberian middleclass represents about 25% off the population" !! There is obviousley a very large amount of russians that have no economic problems (have way more money then ME the westener (dutch) who has to pay $200/month accumulated town/water/and other taxes, $480/month for a quite nice appartment (in a town i would have to pay at least dubble that). Maybe it is time that the musea would charge lower in stead of higher prices for non russians. But there is i believe also the 25% people in moscow who have to live from very low incomes (therefor i believed that (low quality)appartment rentals had to be MUCH lower than 200/month more like the 28 ost mark (?$5?) people had to pay in east berlin in the year that the wall broke) Ptichka Member send PM   block PM add to buddies Send: 7/7/2004 1:37:21 PM   Toad putting money into bank deposit is not a very popular thing. OK the idea of micro credits (like 2-3 000 $ per 1 year) starts spreading. But still is not spread much. Ron those who lived in Siberia always earned much more then the rest of the USSR ever earned, and they had the better conditions of life, which was cold "nothern addition" or "dirty money". When my dad worked on a plant, in a workshop which dealt with acids, he also earned more, and had so called "dirty money" and also he had 3 liters of milk free of charge each day. But that didn't give him better health and even ruined it...and luckily he left that workshop!!! ron Member send PM   block PM add to buddies Send: 7/7/2004 1:43:49 PM   price of bread moscow R15 little distance in bus E o.28 metro fair (st Petersburg) Hotel prices tomsk not on the internet but in magazine R170 (dormitory bed)-R3900 (top end dubble) beer $1-1.5 per half liter. Introduction parties for the LOCALS $?? to $170!! entry fee (Who can afford that? Is that something that was done a while ago to order the most expensive bottle of french wine to proof one can) A little warning i read somewhere about moscow dinning something like if it says on the list that the salad is 190 you are supposed to know if this is in rubbles or in dollars!? GLTALLTOAD Member send PM   block PM add to buddies Send: 7/7/2004 1:52:56 PM   Yes, Michael In recent years I'd say that south america is in worse shape due to the Argentina debacle, but both world regions are a far cry from the daily living comforts most middle class americans take for granted. Pitchka, To give you an idea in concrete numbers how life is in this area, my daughter is 18 years old and goes to a local university. She works part time (20-25 hours per week) as a waitress at a nice restaurant, where a meal for 4 people with 2 bottles of wine costs $180-200. She takes home almost $3,000 per month after her taxes are deducted and is able to put away for savings more than a third of her monthly income ($1000). She does not pay rent, becasue she lives with her mother and her car was bought in cash and paid in full, so her expenses are only the fuel, maintenance and insurance for her car, her clothes and her entertainment expenses. She has one credit card that she uses for car expenses mainly pays off every month....or else I bark at her until she does...:)) By the time she will graduate from university (2008), she will have enough money saved up (close to $75,000) to buy her own condo or small house....and she will only be 22 years old. Now....the vast majority of american people her age DO NOT handle their personal finances this way, nor do they have the chance to reduce/eliminate their expenses by living at home rent free. But the earning opportunities are there for thos ewho want to work, earn and save money wisely. If she wanted to live on her own she'd have to pay at least $1,000 in rent plus $400-500 in utilities + food. toad Your Reply: Your name:   New Registration Password:   Forgot password?   refresh Code:   Russian brides > Main Forum > Money, Economy, Budget,......
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