#Taras Kozak

🛑 **Is the credit limit a trap?** Expert Taras Kozak explains why a card with a credit limit can ruin your budget: 💸 **False sense of wealth:** The grace period makes you think you have more money than you actually do. 🎢 **Financial seesaws:** Salary goes to repaying debts, not to living. 🚫 **No safety cushion:** If the limit is used up, there is no reserve in a crisis. ✅ **Expert advice:** 1. Use the '24-hour rule' before buying (set an alarm!). 2. Keep your safety cushion in deposits, not on a card. #finance #savings #loans #advice

📉 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.

🏠 Rent or Buy: What is more profitable in 2026? Expert Taras Kozak revealed the conditions under which renting housing is economically justified: ✅ Mobility: Frequent moves make buying unprofitable due to transaction and renovation costs. ✅ Investments: If the return on capital is higher than the cost of rent, it is better to invest than to buy. ✅ Hidden costs: The owner pays taxes and spends on repairs, which is not the case with renting. 💰 A mortgage is profitable if the payment is lower than rent, but it is safer to spend no more than 30% of income on housing. #realestate #mortgage #rent #finance #XAB