Did you know that 61% of Russians don't track their expenses? This habit is one of the most damaging to your wallet. It slowly but surely robs you of financial freedom, leaving you in constant need. Without control, money leaks out on trivialities: daily coffee for 200 rubles, streaming subscriptions for 499 rubles, impulse purchases on Ozon. Monthly expenses easily reach 10-15 thousand rubles without even noticing. A 2022 Forbes study found that people who use a budget save an average of 30% more. In the US, 75% of millionaires strictly manage every penny, rather than relying on luck or credit. Many people think it's difficult, but getting started is easy. Even the ZenMoney app or a simple Excel spreadsheet can clearly show where your 100,000 rubles of monthly income are going. Get started today! In the first 30 days of tracking, identify key gaps. This could save you up to 15,000 rubles a month, as Nikolai Ivanov from Samara did simply by starting to record.