43% of Kirov residents have no savings at all.

      According to survey results, 82% of city residents at least roughly consider their income and expenses: 46% do so "by eye," while another 36% carefully record all expenses. The remaining 18% admit that they keep no records at all.

      At the same time, 84% of Kirov residents plan their budget in some way or another: half think about their money for no longer than half a year, a quarter plan for up to a year, and 10% even have long-term financial goals.

      If all income sources disappeared tomorrow, the average financial buffer for Kirov residents would be just over four months. However, everyone has their own capabilities: 14% could go without a salary for no more than a month, 22% up to two months, and 9% would survive on savings for up to six months. 8% could hold on longer than six months, and 4% have saved enough to live without a salary for more than a year. Meanwhile, 43% of respondents have no savings at all.

      Self-assessment of financial literacy among Kirov residents is most often "average" — 48% consider their knowledge average, 19% are confident in a high level of knowledge, and 11% honestly admit that they are not very good at it.

      Interestingly, men more often than women keep household accounts and plan expenses over a longer horizon. Also, among men, there are more who are confident in their knowledge and believe they can go without a salary for more than a year.

      In the 35–45 age group, there are more people who actively keep records and plan expenses, but among them, fewer have managed to accumulate savings — younger and older people tend to have larger reserves.

      And the most confident in their finances are those earning from 100,000 rubles per month. They more often than others consider their money, plan long-term expenses, and save "for a rainy day."