Roman Kirsanov talks about everything related to money to viewers of the Rossiya and Vesti TV channels. In his programs, he and his colleagues daily look for answers to the most challenging questions regarding personal finance. Ministers, economists, and lawyers share their thoughts on this topic with R. Kirsanov. All valuable tips, tested in practice, are collected in this book. This is not the idle reasoning of a theorist, but practical experience transferred to paper. The income of every person, every family consists not only of the money that this person or family earned, but also of the money that they did not waste.• How to correctly and effectively spend money?• How to avoid unnecessary and irrational spending?• How not to overpay for a product or service?• And finally, how to accumulate, save and increase? The book reveals the little tricks and subtleties of our relationship with the world of finance.