Anatoliy Vladimirovich Kochev

• Education: accounting and audit
• Experience: accountant, chief accountant
• Topics: personal finance, budgeting, financial discipline

It matters to me that accounting and financial habits help people feel confident in their decisions rather than anxious. That is why in my articles I rely not only on theory but also on practical experience and real-life situations.

Feel free to write about articles and the project. I do not provide personal finance consultations.

• Email: a.kochev@kopium.ru
• Telegram: @poetiq

• How Much It Costs to Prepare a Child for School in 2026: Budget for September 1
• Gasoline Price Increase and the Family Budget: Monthly Calculation
• Housing and Utilities 2026: Recalculate Your Budget Before the October Tariff Update
• Freelancer’s Personal and Work Money: How to Separate Without Accounting
• SBP and TIN from July 1, 2026: What Will Really Change in Transfers
• Digital Ruble and QR Payments: How to Track Different Payment Methods
• Where Does the Money Go: The First Step to Pain-Free Expense Tracking
• Irregular Income: How to Manage Your Budget with a Variable Salary
• 7 Signs Your Money Is Living Its Own Life
• Tax Deductions in 2026: How Families Can Get a Refund on Personal Income Tax for Medical Treatment, Education, and Sports
• Installment Plans in 2026: How to Buy in Parts Without Losing Budget Control
• Bank Blocked the Transfer: What to Do If Anti-Fraud Stopped the Operation
• How to Recognize When Your Expenses Exceed Your Means
• What Is Your Financial Personality Type: Test and Explanation
• What to Do If Money Is Withdrawn from Your Card: A 30-Minute Action Plan
• What to do when you run out of money before payday
• Why Your January Budget Falls Apart by February
• A Big-Purchase Fund: Buy Without Using a Credit Card
• To-Go Coffee: What One Habit Costs per Month and Year
• Financial goals for 1, 3, and 5 years: turning dreams into real numbers
• Money as a Couple: Shared, Separate, or Hybrid
• Avoid a negative credit card balance: causes and plan
• How Much Can You Spend Each Month Without Worrying About the Future
• Subscription or one-time purchase: when it's worth it
• Why Money Keeps Disappearing with a Normal Income Each Month
• How to plan a family budget without fighting about money
• Reduce Loan Term or Payment: What Is Better When You Prepay
• How to Avoid Impulse Purchases
• Expense categories: how to set them up and avoid recategorizing
• 50/30/20 Rule: How to Allocate Income by Categories
• Emergency fund: how much you need and how to build it
• Financial Habits That Make You Richer
• Do you need to track your personal finances?