💸 Why do Ukrainians spend more than they plan? Expert Taras Kozak explains how small purchases and promotions undermine the budget. 🛒 Checkout trap: impulsive purchases at the register. 📱 Emotional spending: gadgets and electronics on credit. 🏷 Illusion of benefit: discounts on unnecessary items. ☕ Hidden habits: coffee and cigarettes "eat up" thousands of hryvnias. 👉 Read the full analysis in our longread!

💵 Currency market forecast for August 2026: the dollar will remain in the range of 44.6–45.2 UAH. 📉 Expert Taras Lesovoy (Globus Bank) explained that the exchange rate is influenced not only by the economy but also by psychology: people buy currency as an "emotional vault". 🏦 The NBU rate of 15.5% and deposits up to 17.5% help keep the hryvnia stable, pulling savings into banks. ⚠️ Risks exist: fuel importers may buy up currency, but a sharp collapse is not expected.

📈 Retirees can receive up to a 52.5% increase for deferring pension registration! The longer you wait, the higher the payments. In 2026, 32 years of service are required. Additional supplements are also available for mothers of many children. #pension #Ukraine #finance

📉 Why isn't your budget working? Taras Kozak, president of the UNIVER group, explains the psychology of spending. 🛒 **Emotions at the checkout:** Small purchases made "on emotion" can eat up to 30% of the budget. 🏷️ **The discount trap:** A 50% discount on an unnecessary item is not saving; it is spending money. 💳 **The credit illusion:** The grace period creates a false sense of wealth, which leads to debt. 💡 **Advice:** Analyze receipts in store apps to see the real picture of expenses.

🚆 "Ukrzaliznytsia" has returned vending machines to increased comfort trains on the Lviv – Khmelnytskyi route. Passengers can once again buy drinks and snacks with a card. The carrier is looking for partners to scale the service to other regions. #Ukrzaliznytsia #Trains #Service

🚧 In Kyiv, road repairs will begin on August 15 at European Square and Zlatoustovska Street. Partial closures and changes to public transport routes. Drivers and passengers should plan their routes in advance. 🚌🚗 #Kyiv #RoadRepairs #PublicTransport

🚨 Critical Export Failure: Drone Attack Paralyzes Sheskaris Terminal in Novorossiysk. 🔥 Tanks overfilled, oil reception stopped. 🚢 Tankers forced to leave the port. 📉 Urals and KEBCO exports under threat, Turkey reduces purchases. #Novorossiysk #Oil #UAVs #Energy #XABinfo

🔥 Battle for Chervonohrad CEP: How the Fight for Control Over the Plant Threatens the 2026 Heating Season 📅 August 19 — key court hearing that could change the fate of the enterprise. 👨‍⚖️ Alexander Klimov: appointment of a new arbitrator could mean loss of control by people linked to Andriy Vengryn. ⚠️ Coal is rotting in warehouses, workers are unpaid, ecological threat is growing. 🔍 Audit of the plant's activities is expected, which could reveal corruption schemes. 🏛️ The situation has become a test for the new government: launch the plant before winter or the heating season disruption is inevitable. #ChervonohradCEP #CoalIndustry #Ukraine #HeatingSeason #Corruption

🇺🇸 The US Ambassador to the EU called the CBAM carbon tax hidden protectionism. In an article for the Financial Times, the diplomat compared the European mechanism to US steel tariffs, noting Brussels' double standards. 🇺🇦 As of January 1, 2026, CBAM will be fully applied to Ukraine, which experts consider a blow to the country's industry, deprived of the ability to modernize due to the war. The European Commission refused exemptions despite force majeure. #CBAM #Ukraine #Trade #Economy

🇹🇷 Turkey sharply reduces Russian oil purchases due to port attacks. In July, volumes dropped by 25%, and a fall to 200k tons is forecast for August. Ankara is seeking alternatives in Kazakhstan and Brazil. 🛢️📉

🛒 A trip to the supermarket in August 2026 has become more expensive: eggs at 30 UAH, buckwheat — at 55 UAH. Some goods have disappeared from the shelves. The situation varies by region. #prices #groceries #ukraine

💰 Exchange rates on August 17, 2026: dollar stable (44.70 UAH), euro rose by 15 kopecks (51.70 UAH). Experts link the stability of the hryvnia to profitable deposits and the high NBU rate. #currency #NBU #economy

🔋 D.Solutions launches a storage management service: businesses can now earn on electricity price differences. The system automatically charges batteries cheaply and sells expensively. Returns can reach 10 UAH/kWh versus 50 kopecks for charging. Payback period is shortened, and energy independence grows. #D_Solutions #Energy #Business

🚨 LC Waikiki temporarily closed its store in Sumy due to safety concerns. The "Kyiv" shopping center remains open, and customers can return goods at other locations. The network continues to develop in Ukraine, opening new stores in safe regions. #LCWaikiki #Sumy #Retail

🚆 'Ukrzaliznytsia' will raise salaries for 150,000 employees starting September 1, 2026. The increase will be 10-15%, especially for professions with a shortage of staff. Minister Kalashnyk links this to tariff indexation and the need to restore infrastructure after attacks. 🇺🇦💰 #Ukrzaliznytsia #Salaries #Ukraine #Transport

🇺🇦 Warehouses are burning, but shelves are full! Minister Vysotsky: no shortage, prices stable. Logistics is being restructured, losses are being compensated. #Ukraine #Food #RussianStrikes #Economy

🚨 Ukraine's agro-exports have plummeted by 70% due to the Russian port blockade. Kyiv is considering a military option to unblock the sea route. Losses by the end of the year could amount to $2.5 billion. There is no shortage within the country, but farmers are suffering colossal losses. #Ukraine #AgroExport #BlackSea

📉 Iron ore exports from Ukraine plummeted by 27.3% in the first 7 months of 2026. The cause was a 'triple blow': new EU duties, the CBAM environmental tax, and the blockade of ports by Russia. The tragedy with the bulk carrier 'Golden Leo' finally undermined the confidence of shipping companies. Experts predict the shutdown of 50% of industry enterprises. #Economy #Ukraine #Metallurgy