{"id":3030,"date":"2022-11-12T15:07:11","date_gmt":"2022-11-12T12:07:11","guid":{"rendered":"https:\/\/skillesis.com\/?p=3030"},"modified":"2022-11-12T15:07:12","modified_gmt":"2022-11-12T12:07:12","slug":"11-oshibok-kotorye-sovershayut-s-lichnymi-finansami","status":"publish","type":"post","link":"https:\/\/skillesis.com\/ru\/financelegal\/11-oshibok-kotorye-sovershayut-s-lichnymi-finansami\/","title":{"rendered":"11 \u043e\u0448\u0438\u0431\u043e\u043a \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u0441\u043e\u0432\u0435\u0440\u0448\u0430\u044e\u0442 \u0441 \u043b\u0438\u0447\u043d\u044b\u043c\u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u0430\u043c\u0438"},"content":{"rendered":"\n<p>\u0414\u0435\u043d\u044c\u0433\u0438 \u2014 \u044d\u0442\u043e \u0432\u0430\u0436\u043d\u044b\u0439 \u0440\u0435\u0441\u0443\u0440\u0441 \u0438 \u0433\u0430\u0440\u0430\u043d\u0442\u0438\u044f \u0431\u0435\u0437\u043e\u043f\u0430\u0441\u043d\u043e\u0441\u0442\u0438 \u0432 \u0441\u043e\u0432\u0440\u0435\u043c\u0435\u043d\u043d\u043e\u043c \u043c\u0438\u0440\u0435. \u0422\u043e, \u043a\u0430\u043a \u043c\u044b \u043e\u0442\u043d\u043e\u0441\u0438\u043c\u0441\u044f \u043a \u044d\u0442\u043e\u043c\u0443 \u0440\u0435\u0441\u0443\u0440\u0441\u0443, \u0432\u0441\u0435\u0433\u0434\u0430 \u043e\u0442\u043e\u0431\u0440\u0430\u0436\u0430\u0435\u0442\u0441\u044f \u043d\u0430 \u043d\u0430\u0448\u0435\u043c \u0431\u043b\u0430\u0433\u043e\u0441\u043e\u0441\u0442\u043e\u044f\u043d\u0438\u0438. \u042f \u0438\u043c\u0435\u044e \u0432 \u0432\u0438\u0434\u0443, \u0447\u0442\u043e \u043d\u0435 \u0442\u043e\u043b\u044c\u043a\u043e \u0443\u043c\u0435\u043d\u0438\u0435 \u0437\u0430\u0440\u0430\u0431\u0430\u0442\u044b\u0432\u0430\u0442\u044c \u0434\u0435\u043d\u044c\u0433\u0438, \u043d\u043e \u0438 \u043f\u0440\u0430\u0432\u0438\u043b\u044c\u043d\u043e \u0440\u0430\u0441\u0441\u0447\u0438\u0442\u044b\u0432\u0430\u0442\u044c \u0431\u044e\u0434\u0436\u0435\u0442, \u043d\u0430\u043a\u0430\u043f\u043b\u0438\u0432\u0430\u0442\u044c \u0438 \u0442\u0440\u0430\u0442\u0438\u0442\u044c \u2014 \u044d\u0442\u043e \u043d\u0435\u043a\u043e\u0433\u043e \u0440\u043e\u0434\u0430 \u0438\u0441\u043a\u0443\u0441\u0441\u0442\u0432\u043e. \u041c\u0430\u0441\u0442\u0435\u0440\u0430 \u043f\u0440\u0438\u0443\u043c\u043d\u043e\u0436\u0430\u044e\u0442 \u0441\u0432\u043e\u0438 \u0434\u043e\u0445\u043e\u0434\u044b, \u0430\u043c\u0430\u0442\u043e\u0440\u044b \u0442\u0435\u0440\u044f\u044e\u0442 \u0434\u0435\u043d\u044c\u0433\u0438 \u0438 \u0443\u0432\u0435\u0440\u0435\u043d\u043d\u043e\u0441\u0442\u044c \u0432 \u0437\u0430\u0432\u0442\u0440\u0430\u0448\u043d\u0435\u043c \u0434\u043d\u0435.<\/p>\n\n\n\n<p>\u0427\u0442\u043e\u0431\u044b \u0432\u0430\u0448\u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u044b \u0432\u0441\u0435\u0433\u0434\u0430 \u0431\u044b\u043b\u0438 \u0432 \u043f\u043e\u0440\u044f\u0434\u043a\u0435, \u043f\u043e\u0441\u0442\u0430\u0440\u0430\u0439\u0442\u0435\u0441\u044c \u043d\u0435 \u0434\u043e\u043f\u0443\u0441\u043a\u0430\u0442\u044c \u044d\u0442\u0438 11 \u043e\u0448\u0438\u0431\u043e\u043a \u0432 \u0441\u0432\u043e\u0438\u0445 \u043e\u0442\u043d\u043e\u0448\u0435\u043d\u0438\u044f\u0445 \u0441 \u043d\u0438\u043c\u0438:<\/p>\n\n\n\n<h2>1.\u041d\u0435 \u043f\u0440\u0435\u0434\u0443\u0441\u043c\u0430\u0442\u0440\u0438\u0432\u0430\u0442\u044c \u0441\u0440\u0435\u0434\u043d\u0435\u0441\u0440\u043e\u0447\u043d\u044b\u0435 \u0440\u0430\u0441\u0445\u043e\u0434\u044b<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1024\" height=\"683\" src=\"https:\/\/skillesis.com\/wp-content\/themes\/reco\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/broken-piggy-with-coins-and-wooden-gavel-business-and-bankruptcy-concept-1024x683.jpg\" alt=\"\" class=\"wp-image-3031\" data-srcset=\"https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/broken-piggy-with-coins-and-wooden-gavel-business-and-bankruptcy-concept-1024x683.jpg 1024w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/broken-piggy-with-coins-and-wooden-gavel-business-and-bankruptcy-concept-300x200.jpg 300w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/broken-piggy-with-coins-and-wooden-gavel-business-and-bankruptcy-concept-768x512.jpg 768w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/broken-piggy-with-coins-and-wooden-gavel-business-and-bankruptcy-concept-1536x1024.jpg 1536w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/broken-piggy-with-coins-and-wooden-gavel-business-and-bankruptcy-concept-2048x1365.jpg 2048w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/broken-piggy-with-coins-and-wooden-gavel-business-and-bankruptcy-concept-100x67.jpg 100w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/broken-piggy-with-coins-and-wooden-gavel-business-and-bankruptcy-concept-675x450.jpg 675w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/broken-piggy-with-coins-and-wooden-gavel-business-and-bankruptcy-concept-1600x1067.jpg 1600w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u0412 \u043a\u043e\u043d\u0446\u0435 \u043c\u0435\u0441\u044f\u0446\u0430 \u043d\u0430\u0434\u043e \u043f\u043b\u0430\u0442\u0438\u0442\u044c \u0430\u0440\u0435\u043d\u0434\u0443, \u043a\u0430\u0436\u0434\u0443\u044e \u043d\u0435\u0434\u0435\u043b\u044e \u043d\u0430\u0434\u043e \u043f\u043e\u043a\u0443\u043f\u0430\u0442\u044c \u0435\u0434\u0443, \u043a\u0430\u0436\u0434\u044b\u0439 \u0434\u0435\u043d\u044c \u2014 \u0437\u0430\u043f\u0440\u0430\u0432\u043b\u044f\u0442\u044c \u043c\u0430\u0448\u0438\u043d\u0443. \u041d\u043e \u043c\u043d\u043e\u0433\u0438\u0435 \u0447\u0430\u0441\u0442\u043e \u043d\u0435 \u0443\u0447\u0438\u0442\u044b\u0432\u0430\u044e\u0442, \u0447\u0442\u043e, \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e, \u0432 \u0441\u043b\u0435\u0434\u0443\u044e\u0449\u0435\u043c \u043c\u0435\u0441\u044f\u0446\u0435 \u043f\u043e\u043d\u0430\u0434\u043e\u0431\u0438\u0442\u0441\u044f \u0440\u0435\u043c\u043e\u043d\u0442 \u0434\u043b\u044f \u043a\u0430\u043a\u043e\u0439-\u043d\u0438\u0431\u0443\u0434\u044c \u0442\u0435\u0445\u043d\u0438\u043a\u0438 \u0432 \u0434\u043e\u043c\u0435, \u0438\u043b\u0438 \u2014 \u043a\u0443\u043f\u0438\u0442\u044c \u043f\u043e\u0434\u0430\u0440\u043a\u0438 \u0432\u0441\u0435\u043c \u0440\u043e\u0434\u0441\u0442\u0432\u0435\u043d\u043d\u0438\u043a\u0430\u043c \u043d\u0430 \u043f\u0440\u0430\u0437\u0434\u043d\u0438\u043a\u0438.&nbsp;<\/p>\n\n\n\n<p>\u0418 \u044d\u0442\u043e \u0431\u043e\u043b\u044c\u0448\u0430\u044f \u043e\u0448\u0438\u0431\u043a\u0430 \u2014 \u043d\u0435 \u0441\u043c\u043e\u0442\u0440\u0435\u0442\u044c \u0432\u043f\u0435\u0440\u0451\u0434, \u043d\u0435 \u0434\u0443\u043c\u0430\u0442\u044c, \u0447\u0442\u043e \u0441\u043a\u043e\u0440\u043e \u043c\u043e\u0436\u0435\u0442 \u043f\u0440\u043e\u0438\u0437\u043e\u0439\u0442\u0438 \u0432 \u0432\u0430\u0448\u0435\u0439 \u0436\u0438\u0437\u043d\u0438.&nbsp;<\/p>\n\n\n\n<h2>2.\u041d\u0435 \u0430\u043d\u0430\u043b\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u0442\u044c: \u00ab\u0410 \u0447\u0442\u043e, \u0435\u0441\u043b\u0438\u2026\u00bb<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1024\" height=\"559\" src=\"https:\/\/skillesis.com\/wp-content\/themes\/reco\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/flat-lay-of-business-concept-1024x559.jpg\" alt=\"\" class=\"wp-image-3034\" data-srcset=\"https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/flat-lay-of-business-concept-1024x559.jpg 1024w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/flat-lay-of-business-concept-300x164.jpg 300w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/flat-lay-of-business-concept-768x419.jpg 768w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/flat-lay-of-business-concept-1536x839.jpg 1536w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/flat-lay-of-business-concept-2048x1118.jpg 2048w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/flat-lay-of-business-concept-100x55.jpg 100w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/flat-lay-of-business-concept-700x382.jpg 700w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/flat-lay-of-business-concept-1600x874.jpg 1600w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u041d\u0435 \u043f\u0440\u0438\u043d\u0438\u043c\u0430\u0439\u0442\u0435 \u0440\u0435\u0448\u0435\u043d\u0438\u044f \u0431\u0435\u0437 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\u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u044b\u0445 \u0434\u043e\u0445\u043e\u0434\u043e\u0432 \u0438 \u0440\u0430\u0441\u0445\u043e\u0434\u043e\u0432, \u0441\u043a\u043e\u043b\u044c\u043a\u043e \u043e\u0441\u0442\u0430\u0451\u0442\u0441\u044f \u0432 \u043a\u043e\u043d\u0446\u0435 \u043c\u0435\u0441\u044f\u0446\u0430, \u0441\u043a\u043e\u043b\u044c\u043a\u043e \u0431\u044b\u043b\u043e \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u043e, \u043f\u043e\u0442\u0440\u0430\u0447\u0435\u043d\u043e \u043d\u0430 \u043d\u0430\u043b\u043e\u0433\u0438 \u0438 \u0442.\u0434. \u0418 \u0435\u0441\u043b\u0438 \u0432\u044b \u0445\u043e\u0442\u0438\u0442\u0435 \u0447\u0442\u043e-\u0442\u043e \u0438\u0437\u043c\u0435\u043d\u0438\u0442\u044c, \u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u043f\u043e\u0442\u0440\u0430\u0442\u0438\u0442\u044c \u0431\u043e\u043b\u044c\u0448\u0435 \u0438\u043b\u0438 \u043d\u0430\u043a\u043e\u043f\u0438\u0442\u044c \u0431\u043e\u043b\u044c\u0448\u0435 \u0434\u043b\u044f \u0434\u043e\u043b\u0433\u043e\u0441\u0440\u043e\u0447\u043d\u043e\u0439 \u0446\u0435\u043b\u0438, \u2014 \u043c\u043e\u0434\u0435\u043b\u0438\u0440\u0443\u0439\u0442\u0435 \u0441\u0438\u0442\u0443\u0430\u0446\u0438\u0438, \u0447\u0442\u043e\u0431\u044b \u0443 \u0432\u0430\u0441 \u0432\u0441\u0435\u0433\u0434\u0430 \u0431\u044b\u043b\u0430 \u0443\u0432\u0435\u0440\u0435\u043d\u043d\u043e\u0441\u0442\u044c \u0432 \u0442\u043e\u043c, \u0447\u0442\u043e \u0432\u0430\u0448\u0438 \u043f\u043b\u0430\u043d\u044b \u043d\u0435 \u043e\u0431\u0430\u043d\u043a\u0440\u043e\u0442\u044f\u0442 \u0432\u0430\u0441.<\/p>\n\n\n\n<h2>3.\u041e\u0442\u0441\u0443\u0442\u0441\u0442\u0432\u0438\u0435 \u0440\u0435\u0437\u0435\u0440\u0432\u043d\u043e\u0433\u043e \u0444\u043e\u043d\u0434\u0430<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1024\" height=\"683\" src=\"https:\/\/skillesis.com\/wp-content\/themes\/reco\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/businesswoman-showing-coins-with-white-piggybank-on-desk-1024x683.jpg\" alt=\"\" class=\"wp-image-3037\" data-srcset=\"https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/businesswoman-showing-coins-with-white-piggybank-on-desk-1024x683.jpg 1024w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/businesswoman-showing-coins-with-white-piggybank-on-desk-300x200.jpg 300w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/businesswoman-showing-coins-with-white-piggybank-on-desk-768x512.jpg 768w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/businesswoman-showing-coins-with-white-piggybank-on-desk-1536x1024.jpg 1536w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/businesswoman-showing-coins-with-white-piggybank-on-desk-2048x1365.jpg 2048w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/businesswoman-showing-coins-with-white-piggybank-on-desk-100x67.jpg 100w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/businesswoman-showing-coins-with-white-piggybank-on-desk-675x450.jpg 675w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/businesswoman-showing-coins-with-white-piggybank-on-desk-1600x1067.jpg 1600w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u041c\u043d\u043e\u0433\u0438\u0435 \u043b\u044e\u0434\u0438, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u0443\u0447\u0430\u0441\u0442\u0432\u0443\u044e\u0442 \u0432 \u0440\u0438\u0441\u043a\u043e\u0432\u044b\u0445 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u044f\u0445 \u0438\u043b\u0438 \u0438\u0433\u0440\u0430\u044e\u0442 \u043d\u0430 \u0444\u043e\u043d\u0434\u043e\u0432\u044b\u0445 \u0431\u0438\u0440\u0436\u0430\u0445, \u0437\u043d\u0430\u044e\u0442, \u0447\u0442\u043e \u043d\u0443\u0436\u043d\u043e \u0438\u043c\u0435\u0442\u044c \u043e\u0442\u043b\u043e\u0436\u0435\u043d\u043d\u0443\u044e \u0441\u0443\u043c\u043c\u0443 \u043d\u0430 \u0441\u043b\u0443\u0447\u0430\u0439, \u0435\u0441\u043b\u0438 \u0447\u0442\u043e-\u0442\u043e \u043f\u043e\u0439\u0434\u0451\u0442 \u043d\u0435 \u0442\u0430\u043a.<\/p>\n\n\n\n<p>\u0422\u043e \u0435\u0441\u0442\u044c \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0430\u044f \u0431\u0430\u0437\u0430 \u0434\u0430\u0451\u0442 \u0443\u0432\u0435\u0440\u0435\u043d\u043d\u043e\u0441\u0442\u044c, \u0447\u0442\u043e \u0432\u044b \u0441\u043c\u043e\u0436\u0435\u0442\u0435 \u0441\u043e\u0445\u0440\u0430\u043d\u0438\u0442\u044c \u043a\u0430\u0447\u0435\u0441\u0442\u0432\u043e \u0432\u0430\u0448\u0435\u0439 \u0436\u0438\u0437\u043d\u0438 \u0432 \u0441\u043b\u0443\u0447\u0430\u0435 \u043d\u0435\u043f\u0440\u0435\u0434\u0432\u0438\u0434\u0435\u043d\u043d\u044b\u0445 \u043e\u0431\u0441\u0442\u043e\u044f\u0442\u0435\u043b\u044c\u0441\u0442\u0432. \u0420\u0435\u0437\u0435\u0440\u0432\u043d\u044b\u0439 \u0444\u043e\u043d\u0434 \u043c\u043e\u0436\u0435\u0442 \u0431\u044b\u0442\u044c \u0432 \u0432\u0438\u0434\u0435 \u043d\u0430\u043b\u0438\u0447\u043d\u044b\u0445 \u0438\u043b\u0438 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e \u0441\u0447\u0451\u0442\u0430, \u043e\u0442\u043a\u0443\u0434\u0430 \u043c\u043e\u0436\u043d\u043e \u0432 \u043b\u044e\u0431\u043e\u0439 \u043c\u043e\u043c\u0435\u043d\u0442 \u0441\u043d\u044f\u0442\u044c \u0431\u043e\u043b\u044c\u0448\u0443\u044e \u0441\u0443\u043c\u043c\u0443 \u0434\u0435\u043d\u0435\u0433.<\/p>\n\n\n\n<p><strong>\u041a\u0430\u043a \u0441\u043e\u0437\u0434\u0430\u0442\u044c \u0440\u0435\u0437\u0435\u0440\u0432\u043d\u044b\u0439 \u0444\u043e\u043d\u0434:<\/strong><\/p>\n\n\n\n<p>1.\u041e\u0442\u043b\u043e\u0436\u0438\u0442\u0435, \u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, 500 \u0434\u043e\u043b\u043b\u0430\u0440\u043e\u0432 \u043d\u0430 \u044d\u043a\u0441\u0442\u0440\u0435\u043d\u043d\u044b\u0439 \u0441\u043b\u0443\u0447\u0430\u0439.<\/p>\n\n\n\n<p>2.\u041f\u0440\u043e\u0441\u0447\u0438\u0442\u0430\u0439\u0442\u0435, \u0441\u043a\u043e\u043b\u044c\u043a\u043e \u0432 \u043c\u0435\u0441\u044f\u0446 \u0432\u0430\u043c \u043e\u0431\u0445\u043e\u0434\u0438\u0442\u0441\u044f \u0436\u0438\u0437\u043d\u044c \u0432 \u0442\u043e\u043c \u043c\u0435\u0441\u0442\u0435, \u0433\u0434\u0435 \u0432\u044b \u0436\u0438\u0432\u0435\u0442\u0435 (\u0430\u0440\u0435\u043d\u0434\u0430 \u0436\u0438\u043b\u044c\u044f, \u0435\u0434\u0430, \u0443\u0441\u043b\u0443\u0433\u0438, \u0431\u0435\u043d\u0437\u0438\u043d \u0438 \u043f\u0440\u043e\u0447\u0435\u0435), \u043c\u043e\u0436\u0435\u0442\u0435 \u0432\u044b\u0447\u0435\u0441\u0442\u044c \u0440\u0430\u0441\u0445\u043e\u0434\u044b \u043d\u0430 \u0442\u043e, \u0431\u0435\u0437 \u0447\u0435\u0433\u043e \u0432\u044b \u0431\u044b \u043c\u043e\u0433\u043b\u0438 \u043e\u0431\u0445\u043e\u0434\u0438\u0442\u044c\u0441\u044f \u043a\u0430\u043a\u043e\u0435-\u0442\u043e \u0432\u0440\u0435\u043c\u044f.&nbsp;<\/p>\n\n\n\n<p>3.\u0412\u0441\u0435\u0433\u0434\u0430 \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u0439\u0442\u0435 \u044d\u0442\u0438 \u0441\u0443\u043c\u043c\u044b \u043d\u0430 \u0441\u0447\u0435\u0442\u0430\u0445 \u2014 \u043d\u0430 \u044d\u043a\u0441\u0442\u0440\u0435\u043d\u043d\u044b\u0439 \u0441\u043b\u0443\u0447\u0430\u0439 \u0438 \u0434\u0435\u043d\u044c\u0433\u0438 \u043d\u0430 \u0432\u0430\u0448\u0438 \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u044b\u0435 \u0440\u0430\u0441\u0445\u043e\u0434\u044b, \u0443\u043c\u043d\u043e\u0436\u0435\u043d\u043d\u044b\u0435 \u043d\u0430 5-6 \u0440\u0430\u0437.&nbsp;<\/p>\n\n\n\n<p>\u0422\u043e\u043b\u044c\u043a\u043e \u0432 \u0442\u0430\u043a\u043e\u043c \u0441\u043b\u0443\u0447\u0430\u0435 \u0438\u0433\u0440\u0430\u0439\u0442\u0435 \u043d\u0430 \u0444\u043e\u043d\u0434\u043e\u0432\u044b\u0445 \u0431\u0438\u0440\u0436\u0430\u0445 \u0438 \u043f\u0440\u043e\u0431\u0443\u0439\u0442\u0435 \u0438\u0434\u0435\u0438 \u0434\u043b\u044f \u0441\u0442\u0430\u0440\u0442\u0430\u043f\u043e\u0432.<\/p>\n\n\n\n<h2>4.\u041d\u0435 \u0441\u043b\u0435\u0434\u0438\u0442\u044c \u0437\u0430 \u0431\u0430\u043b\u0430\u043d\u0441\u043e\u043c \u043d\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0439 \u043a\u0430\u0440\u0442\u0435<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1024\" height=\"706\" src=\"https:\/\/skillesis.com\/wp-content\/themes\/reco\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/beautiful-smiling-african-american-woman-shopping-online-holding-credit-card-1024x706.jpg\" alt=\"\" class=\"wp-image-3040\" data-srcset=\"https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/beautiful-smiling-african-american-woman-shopping-online-holding-credit-card-1024x706.jpg 1024w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/beautiful-smiling-african-american-woman-shopping-online-holding-credit-card-300x207.jpg 300w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/beautiful-smiling-african-american-woman-shopping-online-holding-credit-card-768x529.jpg 768w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/beautiful-smiling-african-american-woman-shopping-online-holding-credit-card-1536x1059.jpg 1536w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/beautiful-smiling-african-american-woman-shopping-online-holding-credit-card-2048x1411.jpg 2048w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/beautiful-smiling-african-american-woman-shopping-online-holding-credit-card-100x69.jpg 100w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/beautiful-smiling-african-american-woman-shopping-online-holding-credit-card-653x450.jpg 653w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/beautiful-smiling-african-american-woman-shopping-online-holding-credit-card-1600x1103.jpg 1600w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u0415\u0441\u043b\u0438 \u0432\u044b \u043f\u043e\u043b\u044c\u0437\u0443\u0435\u0442\u0435\u0441\u044c \u043a\u0440\u0435\u0434\u0438\u0442\u043a\u043e\u0439, \u043a\u0430\u0436\u0434\u044b\u0439 \u043c\u0435\u0441\u044f\u0446 \u0432\u043e\u0441\u0441\u0442\u0430\u043d\u0430\u0432\u043b\u0438\u0432\u0430\u0439\u0442\u0435 \u0431\u0430\u043b\u0430\u043d\u0441. \u0422\u043e \u0435\u0441\u0442\u044c \u0441\u0442\u0430\u0440\u0430\u0439\u0442\u0435\u0441\u044c \u0432\u043e\u0437\u0432\u0440\u0430\u0449\u0430\u0442\u044c \u0434\u0435\u043d\u044c\u0433\u0438 \u0434\u043e \u0438\u0441\u0442\u0435\u0447\u0435\u043d\u0438\u044f \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u044b\u0445 \u0434\u043d\u0435\u0439 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u044f \u043b\u0438\u043c\u0438\u0442\u043e\u043c. \u041f\u043e\u0441\u0447\u0438\u0442\u0430\u0439\u0442\u0435, \u0441\u043a\u043e\u043b\u044c\u043a\u043e \u0432\u044b \u043c\u043e\u0436\u0435\u0442\u0435 \u0442\u0440\u0430\u0442\u0438\u0442\u044c \u0434\u0435\u043d\u0435\u0433 \u0441 \u043a\u0440\u0435\u0434\u0438\u0442\u043a\u0438 \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u043e \u0438 \u043d\u0430\u0441\u0442\u0440\u043e\u0439\u0442\u0435 \u0430\u0432\u0442\u043e\u0441\u043f\u0438\u0441\u0430\u043d\u0438\u0435 \u0434\u043b\u044f \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0441 \u0434\u0435\u0431\u0435\u0442\u043e\u0432\u043e\u0439 \u043a\u0430\u0440\u0442\u044b. \u041f\u043e\u0442\u043e\u043c\u0443 \u0447\u0442\u043e, \u0435\u0441\u043b\u0438 \u0432\u044b \u043d\u0430\u0447\u043d\u0451\u0442\u0435 \u043f\u043b\u0430\u0442\u0438\u0442\u044c \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u044b \u043f\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u0443 \u0438\u043b\u0438 \u0432\u043e\u0439\u0434\u0451\u0442\u0435 \u0432 \u043f\u0440\u043e\u0441\u0440\u043e\u0447\u043a\u0443, \u0442\u043e \u00ab\u0432\u044b\u043f\u0443\u0442\u0430\u0442\u044c\u0441\u044f\u00bb \u0438\u0437 \u0434\u043e\u043b\u0433\u0430 \u0431\u0443\u0434\u0435\u0442 \u0434\u043e\u0441\u0442\u0430\u0442\u043e\u0447\u043d\u043e \u0441\u043b\u043e\u0436\u043d\u043e: \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u044b \u0431\u0443\u0434\u0443\u0442 \u043d\u0430\u0441\u0447\u0438\u0442\u044b\u0432\u0430\u0442\u044c\u0441\u044f \u0431\u044b\u0441\u0442\u0440\u0435\u0435, \u0447\u0435\u043c \u0440\u0430\u0441\u0442\u0438 \u0432\u0430\u0448\u0438 \u0434\u043e\u0445\u043e\u0434\u044b.<\/p>\n\n\n\n<h2>5.\u041e\u0442\u043a\u0430\u0437\u044b\u0432\u0430\u0442\u044c\u0441\u044f \u043e\u0442 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0439 \u0438\u0441\u0442\u043e\u0440\u0438\u0438<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1024\" height=\"683\" src=\"https:\/\/skillesis.com\/wp-content\/themes\/reco\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/business-proposal-purchase-hands-holding-money-1024x683.jpg\" alt=\"\" class=\"wp-image-3043\" data-srcset=\"https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/business-proposal-purchase-hands-holding-money-1024x683.jpg 1024w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/business-proposal-purchase-hands-holding-money-300x200.jpg 300w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/business-proposal-purchase-hands-holding-money-768x512.jpg 768w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/business-proposal-purchase-hands-holding-money-1536x1024.jpg 1536w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/business-proposal-purchase-hands-holding-money-2048x1365.jpg 2048w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/business-proposal-purchase-hands-holding-money-100x67.jpg 100w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/business-proposal-purchase-hands-holding-money-675x450.jpg 675w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/business-proposal-purchase-hands-holding-money-1600x1067.jpg 1600w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u0415\u0441\u043b\u0438 \u0432\u044b \u0432\u0437\u044f\u043b\u0438 \u043e\u0434\u043d\u0430\u0436\u0434\u044b \u0434\u0435\u043d\u044c\u0433\u0438 \u0432 \u0434\u043e\u043b\u0433, \u0430 \u043f\u043e\u0442\u043e\u043c \u0432\u0435\u0440\u043d\u0443\u043b\u0438 \u0438\u0445 \u0432 \u043e\u0431\u0435\u0449\u0430\u043d\u043d\u044b\u0439 \u0441\u0440\u043e\u043a, \u2014 \u0432\u044b \u0432\u044b\u0437\u044b\u0432\u0430\u0435\u0442\u0435 \u0434\u043e\u0432\u0435\u0440\u0438\u0435. \u041e\u0442\u0441\u0443\u0442\u0441\u0442\u0432\u0438\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0439 \u0438\u0441\u0442\u043e\u0440\u0438\u0438 \u0432 \u043f\u0440\u0438\u043d\u0446\u0438\u043f\u0435 \u0437\u043d\u0430\u0447\u0438\u0442, \u0447\u0442\u043e \u0431\u0430\u043d\u043a\u0438 \u043d\u0435 \u0437\u043d\u0430\u044e\u0442, \u043a\u0430\u043a\u043e\u0439 \u0432\u044b \u0447\u0435\u043b\u043e\u0432\u0435\u043a.<\/p>\n\n\n\n<p>\u0412\u043e\u0437\u043c\u043e\u0436\u043d\u043e, \u043e\u0434\u043d\u0430\u0436\u0434\u044b \u0432\u044b \u0437\u0430\u0445\u043e\u0442\u0438\u0442\u0435 \u0432\u0437\u044f\u0442\u044c \u0437\u0430\u0451\u043c \u0434\u043b\u044f \u0431\u0438\u0437\u043d\u0435\u0441\u0430 \u0438\u043b\u0438 \u043f\u043e\u043a\u0443\u043f\u043a\u0443 \u0434\u043e\u043c\u0430 \u043f\u043e \u043e\u0447\u0435\u043d\u044c \u0432\u044b\u0433\u043e\u0434\u043d\u044b\u043c \u0443\u0441\u043b\u043e\u0432\u0438\u044f\u043c, \u0438\u043b\u0438 \u0432\u044b \u043f\u043e\u0439\u043c\u0451\u0442\u0435, \u043a\u0430\u043a \u0437\u0430\u0441\u0442\u0430\u0432\u0438\u0442\u044c \u0440\u0430\u0431\u043e\u0442\u0430\u0442\u044c \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0435 \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430, \u0447\u0442\u043e\u0431\u044b \u0438\u0445 \u043e\u0431\u043e\u0440\u043e\u0442 \u0432 \u043a\u0430\u043a\u043e\u043c-\u0442\u043e \u0434\u0435\u043b\u0435 \u0431\u044b\u043b \u043d\u0430\u043c\u043d\u043e\u0433\u043e \u0431\u043e\u043b\u044c\u0448\u0435 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043e\u0432 \u043e\u0442 \u0431\u0430\u043d\u043a\u0430. \u0418 \u0435\u0441\u043b\u0438 \u0443 \u0432\u0430\u0441 \u043d\u0435 \u0431\u0443\u0434\u0435\u0442 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0439 \u0438\u0441\u0442\u043e\u0440\u0438\u0438 \u0438\u043b\u0438 \u043e\u043d\u0430 \u0431\u0443\u0434\u0435\u0442 \u0441\u043b\u0438\u0448\u043a\u043e\u043c \u043c\u0430\u043b\u0435\u043d\u044c\u043a\u0430\u044f, \u0432\u0430\u043c \u043a\u0440\u0435\u0434\u0438\u0442 \u043d\u0435 \u0434\u0430\u0434\u0443\u0442. \u041f\u043e\u0434\u0443\u043c\u0430\u0439\u0442\u0435 \u043e\u0431 \u044d\u0442\u043e\u043c.&nbsp;<\/p>\n\n\n\n<p>\u0415\u0441\u043b\u0438 \u0432\u044b \u043e\u0447\u0435\u043d\u044c \u0431\u043e\u0438\u0442\u0435\u0441\u044c \u0432\u043b\u0435\u0437\u0442\u044c \u0432 \u0434\u043e\u043b\u0433\u0438, \u043e\u0441\u0442\u0430\u0432\u044c\u0442\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043a\u0443 \u0434\u043e\u043c\u0430 \u0438 \u043e\u043f\u043b\u0430\u0447\u0438\u0432\u0430\u0439\u0442\u0435 \u0435\u044e \u0442\u043e\u043b\u044c\u043a\u043e \u043a\u0430\u043a\u0438\u0435-\u0442\u043e \u043d\u0435 \u043e\u0447\u0435\u043d\u044c \u0434\u043e\u0440\u043e\u0433\u043e\u0441\u0442\u043e\u044f\u0449\u0438\u0435 \u0443\u0441\u043b\u0443\u0433\u0438 \u0432 \u0438\u043d\u0442\u0435\u0440\u043d\u0435\u0442\u0435.&nbsp;<\/p>\n\n\n\n<h2>6.\u041d\u0435 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0440\u043e\u0432\u0430\u0442\u044c \u0434\u0435\u043d\u044c\u0433\u0438 \u0438\u043b\u0438 \u0434\u043e\u043b\u0433\u043e \u0436\u0434\u0430\u0442\u044c \u043f\u043e\u0434\u0445\u043e\u0434\u044f\u0449\u0435\u0433\u043e \u043c\u043e\u043c\u0435\u043d\u0442\u0430 \u0434\u043b\u044f \u044d\u0442\u043e\u0433\u043e\u00a0<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1024\" height=\"576\" src=\"https:\/\/skillesis.com\/wp-content\/themes\/reco\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/sideways-business-man-calculating-finance-numbers-1024x576.jpg\" alt=\"\" class=\"wp-image-3046\" data-srcset=\"https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/sideways-business-man-calculating-finance-numbers-1024x576.jpg 1024w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/sideways-business-man-calculating-finance-numbers-300x169.jpg 300w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/sideways-business-man-calculating-finance-numbers-768x432.jpg 768w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/sideways-business-man-calculating-finance-numbers-1536x864.jpg 1536w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/sideways-business-man-calculating-finance-numbers-2048x1152.jpg 2048w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/sideways-business-man-calculating-finance-numbers-100x56.jpg 100w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/sideways-business-man-calculating-finance-numbers-700x394.jpg 700w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/sideways-business-man-calculating-finance-numbers-1600x900.jpg 1600w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u0421\u043b\u043e\u0436\u043d\u044b\u0439 \u043f\u0440\u043e\u0446\u0435\u043d\u0442 \u043c\u043e\u0436\u0435\u0442 \u0442\u0432\u043e\u0440\u0438\u0442\u044c \u0447\u0443\u0434\u0435\u0441\u0430, \u0435\u0441\u043b\u0438 \u0432\u044b \u0437\u0430\u0439\u043c\u0451\u0442\u0435\u0441\u044c \u044d\u0442\u0438\u043c \u043f\u0440\u044f\u043c\u043e \u0441\u0435\u0439\u0447\u0430\u0441. \u0415\u0441\u0442\u044c \u043e\u0447\u0435\u043d\u044c \u043c\u043d\u043e\u0433\u043e \u043c\u0435\u0441\u0442, \u043a\u0443\u0434\u0430 \u043c\u043e\u0436\u043d\u043e \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0440\u043e\u0432\u0430\u0442\u044c, \u0433\u043b\u0430\u0432\u043d\u043e\u0435 \u2014 \u0438\u0437\u0431\u0435\u0433\u0430\u0439\u0442\u0435&nbsp; \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0439, \u0433\u0434\u0435 \u0441\u0442\u0430\u0432\u043a\u0430 \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u043e\u043d\u043d\u044b\u0445 \u0431\u043e\u043b\u044c\u0448\u0435 1%. \u041f\u043e\u043c\u0438\u043c\u043e \u044d\u0442\u043e\u0433\u043e \u2014 \u0447\u0438\u0442\u0430\u0439\u0442\u0435 \u043a\u043d\u0438\u0433\u0438, \u0441\u043b\u0443\u0448\u0430\u0439\u0442\u0435 \u043f\u043e\u0434\u043a\u0430\u0441\u0442\u044b \u043e\u0431 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0438 \u0438\u043b\u0438 \u043d\u0430\u0439\u0434\u0438\u0442\u0435 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0433\u043e \u043a\u043e\u043d\u0441\u0443\u043b\u044c\u0442\u0430\u043d\u0442\u0430.<\/p>\n\n\n\n<h2>7.\u0424\u043e\u043a\u0443\u0441\u0438\u0440\u043e\u0432\u0430\u0442\u044c\u0441\u044f \u043d\u0430 \u043d\u0435\u043c\u0435\u0434\u043b\u0435\u043d\u043d\u043e\u0439 \u043e\u043a\u0443\u043f\u0430\u0435\u043c\u043e\u0441\u0442\u0438 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u0439 \u0432\u043e \u0432\u0441\u0435\u0445 \u0440\u0435\u0448\u0435\u043d\u0438\u044f\u0445<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1024\" height=\"683\" src=\"https:\/\/skillesis.com\/wp-content\/themes\/reco\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/young-businessman-throughs-around-dollars-and-dances-on-the-street-1024x683.jpg\" alt=\"\" class=\"wp-image-3049\" data-srcset=\"https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/young-businessman-throughs-around-dollars-and-dances-on-the-street-1024x683.jpg 1024w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/young-businessman-throughs-around-dollars-and-dances-on-the-street-300x200.jpg 300w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/young-businessman-throughs-around-dollars-and-dances-on-the-street-768x512.jpg 768w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/young-businessman-throughs-around-dollars-and-dances-on-the-street-1536x1024.jpg 1536w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/young-businessman-throughs-around-dollars-and-dances-on-the-street-2048x1365.jpg 2048w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/young-businessman-throughs-around-dollars-and-dances-on-the-street-100x67.jpg 100w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/young-businessman-throughs-around-dollars-and-dances-on-the-street-675x450.jpg 675w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/young-businessman-throughs-around-dollars-and-dances-on-the-street-1600x1067.jpg 1600w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u041c\u043d\u043e\u0433\u0438\u0435 \u043b\u044e\u0434\u0438 \u0441\u043b\u0438\u0448\u043a\u043e\u043c \u043a\u043e\u043d\u0446\u0435\u043d\u0442\u0440\u0438\u0440\u0443\u044e\u0442\u0441\u044f \u043d\u0430 \u0434\u0435\u043d\u044c\u0433\u0430\u0445 \u0438 \u0438\u0437-\u0437\u0430 \u044d\u0442\u043e\u0433\u043e \u0447\u0430\u0441\u0442\u043e \u043e\u0442\u043a\u0430\u0437\u044b\u0432\u0430\u044e\u0442\u0441\u044f \u043e\u0442 \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0435\u0439, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043c\u043e\u0433\u0443\u0442 \u043f\u0440\u0438\u0432\u0435\u0441\u0442\u0438 \u043a \u0440\u043e\u0441\u0442\u0443 \u0432 \u0434\u043e\u043b\u0433\u043e\u0441\u0440\u043e\u0447\u043d\u043e\u043c \u043f\u0440\u043e\u0433\u043d\u043e\u0437\u0435, \u2014 \u0432 \u043a\u0430\u0440\u044c\u0435\u0440\u0435 \u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u0430\u0445.\u0422\u0430\u043a \u0441\u043b\u0443\u0447\u0430\u0435\u0442\u0441\u044f, \u043a\u043e\u0433\u0434\u0430 \u0443 \u0447\u0435\u043b\u043e\u0432\u0435\u043a\u0430 \u043d\u0435\u0442 \u0437\u0430\u0440\u043f\u043b\u0430\u0442\u044b. \u041e\u043d \u0431\u043e\u0438\u0442\u0441\u044f \u0440\u0438\u0441\u043a\u043e\u0432\u0430\u0442\u044c.&nbsp;<\/p>\n\n\n\n<p>\u0427\u0442\u043e\u0431\u044b \u043d\u0435 \u0431\u044b\u043b\u043e \u0442\u0430\u043a \u0441\u0442\u0440\u0430\u0448\u043d\u043e, \u0441\u043e\u0437\u0434\u0430\u0439\u0442\u0435 \u0440\u0435\u0437\u0435\u0440\u0432\u043d\u044b\u0439 \u0444\u043e\u043d\u0434, \u0438 \u043d\u0430\u0447\u0438\u043d\u0430\u0439\u0442\u0435 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0440\u043e\u0432\u0430\u0442\u044c. \u0412 \u0442\u043e\u043c \u0447\u0438\u0441\u043b\u0435, \u0432 \u0440\u0430\u0437\u0432\u0438\u0442\u0438\u0435 \u0441\u0432\u043e\u0435\u0439 \u043b\u0438\u0447\u043d\u043e\u0441\u0442\u0438. \u0418 \u043d\u0435 \u0442\u043e\u043b\u044c\u043a\u043e \u0432\u0440\u0435\u043c\u044f \u0438 \u0441\u0438\u043b\u044b, \u043d\u043e \u0438 \u0434\u0435\u043d\u044c\u0433\u0438 \u0442\u043e\u0436\u0435.<\/p>\n\n\n\n<h2>8. \u041d\u0435\u0442 \u0444\u0438\u043a\u0441\u0430\u0446\u0438\u0438 \u0431\u044e\u0434\u0436\u0435\u0442\u0430<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1024\" height=\"683\" src=\"https:\/\/skillesis.com\/wp-content\/themes\/reco\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/woman-holding-money-and-wooden-plane-1024x683.jpg\" alt=\"\" class=\"wp-image-3052\" data-srcset=\"https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/woman-holding-money-and-wooden-plane-1024x683.jpg 1024w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/woman-holding-money-and-wooden-plane-300x200.jpg 300w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/woman-holding-money-and-wooden-plane-768x512.jpg 768w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/woman-holding-money-and-wooden-plane-1536x1024.jpg 1536w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/woman-holding-money-and-wooden-plane-2048x1365.jpg 2048w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/woman-holding-money-and-wooden-plane-100x67.jpg 100w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/woman-holding-money-and-wooden-plane-675x450.jpg 675w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/woman-holding-money-and-wooden-plane-1600x1067.jpg 1600w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u0411\u044e\u0434\u0436\u0435\u0442 \u2014 \u044d\u0442\u043e \u0441\u0430\u043c\u0430\u044f \u0432\u0430\u0436\u043d\u0430\u044f \u0447\u0430\u0441\u0442\u044c \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0433\u043e \u043f\u043b\u0430\u043d\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f. \u041f\u043e\u044d\u0442\u043e\u043c\u0443 \u043e\u0442\u043d\u0435\u0441\u0438\u0442\u0435\u0441\u044c \u043a \u044d\u0442\u043e\u0439 \u0437\u0430\u0434\u0430\u0447\u0435 \u0441\u0435\u0440\u044c\u0435\u0437\u043d\u043e \u0438 \u0432\u043d\u0438\u043c\u0430\u0442\u0435\u043b\u044c\u043d\u043e.\u00a0<\/p>\n\n\n\n<p>\u0421\u043e\u0441\u0442\u0430\u0432\u044c\u0442\u0435 \u0431\u044e\u0434\u0436\u0435\u0442 \u043d\u0430 \u0431\u043b\u0438\u0436\u0430\u0439\u0448\u0438\u0439 \u043c\u0435\u0441\u044f\u0446, \u0430 \u0447\u0442\u043e\u0431\u044b \u043f\u0435\u0440\u0435\u0439\u0442\u0438 \u043d\u0430 \u0441\u043b\u0435\u0434\u0443\u044e\u0449\u0438\u0439 \u0443\u0440\u043e\u0432\u0435\u043d\u044c \u043e\u0441\u043c\u044b\u0441\u043b\u0435\u043d\u043d\u043e\u0433\u043e \u0432\u0435\u0434\u0435\u043d\u0438\u044f \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432 \u2014 \u0437\u0430\u0439\u043c\u0438\u0442\u0435\u0441\u044c \u0433\u043e\u0434\u043e\u0432\u044b\u043c.<\/p>\n\n\n\n<p>\u0411\u044e\u0434\u0436\u0435\u0442 \u043d\u0430 \u043c\u0435\u0441\u044f\u0446:<\/p>\n\n\n\n<p>\u0421\u0443\u043c\u043c\u0430\u0440\u043d\u044b\u0439 \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u044b\u0439 \u0434\u043e\u0445\u043e\u0434&nbsp;<\/p>\n\n\n\n<p>\u0415\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u044b\u0435 \u043e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u043d\u044b\u0435 \u0440\u0430\u0441\u0445\u043e\u0434\u044b: \u0436\u0438\u043b\u044c\u0451, \u043f\u0438\u0442\u0430\u043d\u0438\u0435, \u043e\u0434\u0435\u0436\u0434\u0430, \u0442\u0440\u0430\u043d\u0441\u043f\u043e\u0440\u0442, \u0443\u0441\u043b\u0443\u0433\u0438 \u0438 \u0442.\u0434.<\/p>\n\n\n\n<p>\u0412\u044b\u0434\u0435\u043b\u0438\u0442\u0435 20-30% \u043d\u0430 \u0441\u0431\u0435\u0440\u0435\u0436\u0435\u043d\u0438\u044f \u0438\u043b\u0438 \u043f\u043e\u0433\u0430\u0448\u0435\u043d\u0438\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432&nbsp;<\/p>\n\n\n\n<p>\u0421\u0443\u043c\u043c\u0430, \u043a\u043e\u0442\u043e\u0440\u0443\u044e \u0432\u044b \u043c\u043e\u0436\u0435\u0442\u0435 \u043f\u043e\u0442\u0440\u0430\u0442\u0438\u0442\u044c \u043d\u0430 \u0440\u0435\u0441\u0442\u043e\u0440\u0430\u043d\u044b, \u0440\u0430\u0437\u0432\u043b\u0435\u0447\u0435\u043d\u0438\u044f, \u043f\u0443\u0442\u0435\u0448\u0435\u0441\u0442\u0432\u0438\u044f.<\/p>\n\n\n\n<p>\u0426\u0435\u043b\u044c \u2014 \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u043e \u0437\u0430\u043a\u0440\u044b\u0432\u0430\u0442\u044c \u0431\u0430\u0437\u043e\u0432\u044b\u0435 \u043f\u043e\u0442\u0440\u0435\u0431\u043d\u043e\u0441\u0442\u0438, \u043d\u0435 \u0432\u043b\u0435\u0437\u0430\u0442\u044c \u0432 \u0434\u043e\u043b\u0433\u0438, \u043d\u0430\u0447\u0430\u0442\u044c \u043d\u0430\u043a\u0430\u043f\u043b\u0438\u0432\u0430\u0442\u044c \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430 \u0438 \u043d\u0435 \u0442\u0435\u0440\u044f\u0442\u044c \u0433\u043e\u043b\u043e\u0432\u0443 \u043e\u0442 \u0441\u0432\u043e\u0438\u0445 \u0434\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0445 \u00ab\u0445\u043e\u0447\u0443\u00bb.<\/p>\n\n\n\n<p>\u0427\u0442\u043e\u0431\u044b \u0442\u043e\u0447\u043d\u043e \u0431\u044b\u0442\u044c \u0443\u0432\u0435\u0440\u0435\u043d\u043d\u044b\u043c, \u0447\u0442\u043e \u0432\u044b \u043d\u0435 \u0432\u044b\u0439\u0434\u0435\u0442\u0435 \u0437\u0430 \u0440\u0430\u043c\u043a\u0438 \u0431\u044e\u0434\u0436\u0435\u0442\u0430, \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u044c\u0442\u0435 \u0441\u0435\u0431\u044f \u0441\u0443\u043c\u043c\u043e\u0439, \u043a\u043e\u0442\u043e\u0440\u0443\u044e \u043c\u043e\u0436\u0435\u0442\u0435 \u0442\u0440\u0430\u0442\u0438\u0442\u044c \u043a\u0430\u0436\u0434\u0443\u044e \u043d\u0435\u0434\u0435\u043b\u044e.<\/p>\n\n\n\n<h2>9.\u041a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0439 \u043b\u0438\u043c\u0438\u0442 \u0431\u043e\u043b\u044c\u0448\u0435 \u0432\u0430\u0448\u0435\u0439 \u0437\u0430\u0440\u043f\u043b\u0430\u0442\u044b<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1024\" height=\"681\" src=\"https:\/\/skillesis.com\/wp-content\/themes\/reco\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/credit-cards-that-are-stacked-on-the-floor-1024x681.jpg\" alt=\"\" class=\"wp-image-3055\" data-srcset=\"https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/credit-cards-that-are-stacked-on-the-floor-1024x681.jpg 1024w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/credit-cards-that-are-stacked-on-the-floor-300x200.jpg 300w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/credit-cards-that-are-stacked-on-the-floor-768x511.jpg 768w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/credit-cards-that-are-stacked-on-the-floor-1536x1022.jpg 1536w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/credit-cards-that-are-stacked-on-the-floor-2048x1363.jpg 2048w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/credit-cards-that-are-stacked-on-the-floor-100x67.jpg 100w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/credit-cards-that-are-stacked-on-the-floor-676x450.jpg 676w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/credit-cards-that-are-stacked-on-the-floor-1600x1065.jpg 1600w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u041d\u0430\u0448\u0430 \u043f\u0441\u0438\u0445\u0438\u043a\u0430 \u0443\u0441\u0442\u0440\u043e\u0435\u043d\u0430 \u0442\u0430\u043a, \u0447\u0442\u043e \u0434\u0435\u043d\u044c\u0433\u0438 \u043d\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043a\u0435 \u043c\u044b \u0447\u0430\u0441\u0442\u043e \u0432\u043e\u0441\u043f\u0440\u0438\u043d\u0438\u043c\u0430\u0435\u043c \u043a\u0430\u043a \u00ab\u0441\u0432\u043e\u0438\u00bb. \u0418\u0437-\u0437\u0430 \u044d\u0442\u043e\u0439 \u043b\u043e\u0432\u0443\u0448\u043a\u0438 \u0432\u043e\u0441\u043f\u0440\u0438\u044f\u0442\u0438\u044f \u043c\u044b \u043c\u043e\u0436\u0435\u043c \u043f\u043e\u0434\u0434\u0430\u0442\u044c\u0441\u044f \u0441\u043e\u0431\u043b\u0430\u0437\u043d\u0443 \u0438 \u043f\u043e\u0442\u0440\u0430\u0442\u0438\u0442\u044c \u0431\u043e\u043b\u044c\u0448\u0435, \u0447\u0435\u043c \u0441\u043c\u043e\u0436\u0435\u043c \u0432\u0435\u0440\u043d\u0443\u0442\u044c.<\/p>\n\n\n\n<p>\u041f\u043e\u044d\u0442\u043e\u043c\u0443 \u044f \u0441\u043e\u0432\u0435\u0442\u0443\u044e \u0441\u043d\u0438\u0437\u0438\u0442\u044c \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0439 \u043b\u0438\u043c\u0438\u0442 \u0434\u043e \u0440\u0430\u0437\u043c\u0435\u0440\u0430 \u0432\u0430\u0448\u0435\u0433\u043e \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u043e\u0433\u043e \u0434\u043e\u0445\u043e\u0434\u0430. \u0422\u0430\u043a\u043e\u0435 \u043f\u0440\u0430\u0432\u0438\u043b\u043e \u043f\u043e\u0434\u0441\u0442\u0440\u0430\u0445\u0443\u0435\u0442 \u0432 \u0441\u043b\u0443\u0447\u0430\u0435, \u0435\u0441\u043b\u0438 \u0432\u044b \u043e\u043f\u0443\u0441\u0442\u043e\u0448\u0438\u0442\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043a\u0443. \u0412\u0435\u0434\u044c \u0447\u0435\u043c \u0434\u043e\u043b\u044c\u0448\u0435 \u0432\u044b \u043d\u0435 \u0432\u043e\u0437\u043e\u0431\u043d\u043e\u0432\u043b\u044f\u0435\u0442\u0435 \u0431\u0430\u043b\u0430\u043d\u0441 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0439 \u043a\u0430\u0440\u0442\u044b, \u0442\u0435\u043c \u0431\u043e\u043b\u044c\u0448\u0435 \u0434\u0435\u043d\u0435\u0433 \u0432\u0430\u043c \u043f\u0440\u0438\u0434\u0451\u0442\u0441\u044f \u043f\u043e\u0434\u0430\u0440\u0438\u0442\u044c \u0431\u0430\u043d\u043a\u0443 \u0438\u043b\u0438 \u0434\u0435\u043b\u0430\u0442\u044c \u044d\u0442\u043e \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u043e \u043d\u0430 \u043f\u0440\u043e\u0442\u044f\u0436\u0435\u043d\u0438\u0438 \u043c\u043d\u043e\u0433\u0438\u0445 \u043b\u0435\u0442.&nbsp;&nbsp;<\/p>\n\n\n\n<p>\u0422\u0430\u043a\u0438\u0445 \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432, \u043a\u0441\u0442\u0430\u0442\u0438, \u043e\u0447\u0435\u043d\u044c \u043b\u044e\u0431\u044f\u0442, \u2014 \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043f\u043b\u0430\u0442\u044f\u0442 \u0442\u043e\u043b\u044c\u043a\u043e \u043c\u0438\u043d\u0438\u043c\u0430\u043b\u044c\u043d\u044b\u0439 \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u044b\u0439 \u043f\u043b\u0430\u0442\u0451\u0436. \u0422\u0430\u043a\u043e\u043c\u0443 \u0442\u0438\u043f\u0443 \u043b\u044e\u0434\u0435\u0439 \u043d\u0430\u043c\u043d\u043e\u0433\u043e \u0447\u0430\u0449\u0435 \u043f\u0440\u0435\u0434\u043b\u0430\u0433\u0430\u044e\u0442 \u0443\u0432\u0435\u043b\u0438\u0447\u0435\u043d\u0438\u0435 \u043b\u0438\u043c\u0438\u0442\u0430 \u043a\u0430\u0440\u0442\u044b.<\/p>\n\n\n\n<h2>10.\u041e\u043f\u043b\u0430\u0442\u0430 \u043d\u0435\u043d\u0443\u0436\u043d\u044b\u0445 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0445 \u0443\u0441\u043b\u0443\u0433<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1024\" height=\"681\" src=\"https:\/\/skillesis.com\/wp-content\/themes\/reco\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/pay-for-goods-by-credit-card-through-a-smartphone-in-a-coffee-shop-1024x681.jpg\" alt=\"\" class=\"wp-image-3058\" data-srcset=\"https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/pay-for-goods-by-credit-card-through-a-smartphone-in-a-coffee-shop-1024x681.jpg 1024w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/pay-for-goods-by-credit-card-through-a-smartphone-in-a-coffee-shop-300x200.jpg 300w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/pay-for-goods-by-credit-card-through-a-smartphone-in-a-coffee-shop-768x511.jpg 768w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/pay-for-goods-by-credit-card-through-a-smartphone-in-a-coffee-shop-1536x1022.jpg 1536w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/pay-for-goods-by-credit-card-through-a-smartphone-in-a-coffee-shop-2048x1363.jpg 2048w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/pay-for-goods-by-credit-card-through-a-smartphone-in-a-coffee-shop-100x67.jpg 100w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/pay-for-goods-by-credit-card-through-a-smartphone-in-a-coffee-shop-676x450.jpg 676w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/pay-for-goods-by-credit-card-through-a-smartphone-in-a-coffee-shop-1600x1065.jpg 1600w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u0412\u043d\u0438\u043c\u0430\u0442\u0435\u043b\u044c\u043d\u043e \u0447\u0438\u0442\u0430\u0439\u0442\u0435 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u044b \u0432 \u0431\u0430\u043d\u043a\u0435 \u043d\u0430 \u043b\u044e\u0431\u044b\u0435 \u0443\u0441\u043b\u0443\u0433\u0438. \u0427\u0430\u0441\u0442\u043e \u043a \u043a\u0430\u0440\u0442\u0435 \u2014 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0439 \u0438\u043b\u0438 \u0434\u0435\u0431\u0435\u0442\u043e\u0432\u043e\u0439, \u043c\u043e\u0433\u0443\u0442 \u0431\u044b\u0442\u044c \u043f\u0440\u0438\u0432\u044f\u0437\u0430\u043d\u044b \u043f\u043b\u0430\u0442\u0435\u0436\u0438, \u043e \u043a\u043e\u0442\u043e\u0440\u044b\u0445 \u0432\u044b \u0434\u0430\u0436\u0435 \u043d\u0435 \u0434\u043e\u0433\u0430\u0434\u044b\u0432\u0430\u0435\u0442\u0435\u0441\u044c. \u041d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u043f\u043b\u0430\u0442\u0430 \u0437\u0430 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043a\u0443, \u0441\u043c\u0441-\u0443\u0432\u0435\u0434\u043e\u043c\u043b\u0435\u043d\u0438\u044f, \u0432\u044b\u043f\u0438\u0441\u043a\u0438 (\u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u0432\u044b \u0434\u0430\u0436\u0435 \u043d\u0435 \u0437\u0430\u043f\u0440\u0430\u0448\u0438\u0432\u0430\u0435\u0442\u0435, \u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440), \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u0435 \u043a\u0430\u0440\u0442\u044b, \u0441\u043d\u044f\u0442\u0438\u0435 \u043d\u0430\u043b\u0438\u0447\u043d\u044b\u0445 \u0438 \u0442.\u0434.<\/p>\n\n\n\n<p>\u041f\u0435\u0440\u0435\u0434 \u0442\u0435\u043c \u043a\u0430\u043a \u043e\u0442\u043a\u0440\u044b\u0442\u044c \u0441\u0447\u0451\u0442, \u0441\u0440\u0430\u0432\u043d\u0438\u0442\u0435 \u0442\u0430\u043a\u0438\u0435 \u0434\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0438 \u0438 \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0438 \u0432 \u0440\u0430\u0437\u043d\u044b\u0445 \u0431\u0430\u043d\u043a\u0430\u0445 \u0438 \u0432\u044b\u0431\u0435\u0440\u0435\u0442\u0435 \u043b\u0443\u0447\u0448\u0435\u0435 \u043f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d\u0438\u0435. \u0415\u0441\u043b\u0438 \u0436\u0435 \u0432 \u0431\u0430\u043d\u043a\u0435 \u0432\u0430\u043c \u043d\u0435 \u0441\u043e\u043e\u0431\u0449\u0438\u043b\u0438 \u043e \u043d\u0430\u043b\u0438\u0447\u0438\u0438 \u0442\u0430\u043a\u0438\u0445 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data-srcset=\"https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/high-angle-of-lock-with-credit-card-on-top-of-laptop-1024x683.jpg 1024w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/high-angle-of-lock-with-credit-card-on-top-of-laptop-300x200.jpg 300w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/high-angle-of-lock-with-credit-card-on-top-of-laptop-768x512.jpg 768w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/high-angle-of-lock-with-credit-card-on-top-of-laptop-1536x1024.jpg 1536w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/high-angle-of-lock-with-credit-card-on-top-of-laptop-2048x1365.jpg 2048w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/high-angle-of-lock-with-credit-card-on-top-of-laptop-100x67.jpg 100w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/high-angle-of-lock-with-credit-card-on-top-of-laptop-675x450.jpg 675w, https:\/\/skillesis.com\/wp-content\/uploads\/2022\/11\/high-angle-of-lock-with-credit-card-on-top-of-laptop-1600x1067.jpg 1600w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u0415\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u043e\u0435 \u0441\u043d\u044f\u0442\u0438\u0435 \u0441\u0440\u0435\u0434\u0441\u0442\u0432 \u0437\u0430 \u043f\u043e\u0434\u043f\u0438\u0441\u043a\u0438 \u043d\u0430 \u043a\u0443\u0440\u0441\u044b, \u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u044f, \u043a\u0430\u043d\u0430\u043b\u044b, \u043a\u043e\u0442\u043e\u0440\u044b\u043c\u0438 \u0432\u044b \u043d\u0435 \u043f\u043e\u043b\u044c\u0437\u0443\u0435\u0442\u0435\u0441\u044c. \u041e\u0442\u0441\u043b\u0435\u0434\u0438\u0442\u0435 \u0442\u0430\u043a\u0438\u0435 \u0441\u043f\u0438\u0441\u0430\u043d\u0438\u044f \u043f\u043e \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0439 \u043a\u0430\u0440\u0442\u0435 \u0438 \u043e\u0442\u043c\u0435\u043d\u0438\u0442\u0435 \u0432 AppStore \u0438\u043b\u0438 Google Play \u0438 Telegram.<\/p>\n\n\n\n<p>\u041f\u0440\u0438 \u0437\u0430\u0433\u0440\u0443\u0437\u043a\u0435 \u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u044f, \u043f\u0440\u043e\u0432\u0435\u0440\u044f\u0439\u0442\u0435, \u043c\u043e\u0436\u043d\u043e \u043b\u0438 \u043e\u0442\u043c\u0435\u043d\u0438\u0442\u044c \u043f\u043e\u0434\u043f\u0438\u0441\u043a\u0443 \u0432 \u043b\u044e\u0431\u043e\u0439 \u043c\u043e\u043c\u0435\u043d\u0442, \u0438 \u0447\u0442\u043e \u0431\u0443\u0434\u0435\u0442 \u043f\u0440\u043e\u0438\u0441\u0445\u043e\u0434\u0438\u0442\u044c \u043f\u043e \u0438\u0441\u0442\u0435\u0447\u0435\u043d\u0438\u044e \u043f\u0440\u043e\u0431\u043d\u043e\u0433\u043e \u043f\u0435\u0440\u0438\u043e\u0434\u0430 \u2014 \u0441\u043f\u0438\u0448\u0443\u0442\u0441\u044f \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430 \u0437\u0430 \u043c\u0435\u0441\u044f\u0446 \u0438\u043b\u0438 \u0433\u043e\u0434 \u0437\u0430 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\u0434\u043e\u0440\u043e\u0433\u043e\u0439 \u0447\u0438\u0442\u0430\u0442\u0435\u043b\u044c! \u0412\u044b \u0434\u043e\u0447\u0438\u0442\u0430\u043b\u0438 \u0434\u043e \u043a\u043e\u043d\u0446\u0430 \u044d\u0442\u0443 \u0441\u0442\u0430\u0442\u044c\u044e \u0438 \u043e\u0447\u0435\u043d\u044c \u043d\u0430\u0434\u0435\u0435\u043c\u0441\u044f, \u0447\u0442\u043e \u0432\u0437\u044f\u043b\u0438 \u043c\u0430\u043a\u0441\u0438\u043c\u0430\u043b\u044c\u043d\u0443\u044e \u043f\u043e\u043b\u044c\u0437\u0443 \ud83e\udd17. \u041d\u043e \u044d\u0442\u043e \u043d\u0435 \u0432\u0441\u0435&#8230;<\/p>\n\n\n\n<p>\u041c\u044b \u043f\u0440\u0438\u0433\u043e\u0442\u043e\u0432\u0438\u043b\u0438 \u0435\u0449\u0435 \u0446\u0435\u043d\u043d\u044b\u0439 \u043f\u043e\u0434\u0430\u0440\u043e\u043a &#8212; 8 \u044d\u043a\u0441\u043a\u043b\u044e\u0437\u0438\u0432\u043d\u044b\u0445 \u043c\u0430\u0442\u0435\u0440\u0438\u0430\u043b\u043e\u0432 \u0432 PDF. \u0417\u0430\u0431\u0440\u0430\u0442\u044c \u0438\u0445 \u043c\u043e\u0436\u043d\u043e \u043d\u0430\u0436\u0430\u0432 \u043d\u0430 \u043a\u043d\u043e\u043f\u043a\u0443 \u043d\u0438\u0436\u0435 \u2b07 <\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0414\u0435\u043d\u044c\u0433\u0438 \u2014 \u044d\u0442\u043e \u0432\u0430\u0436\u043d\u044b\u0439 \u0440\u0435\u0441\u0443\u0440\u0441 \u0438 \u0433\u0430\u0440\u0430\u043d\u0442\u0438\u044f \u0431\u0435\u0437\u043e\u043f\u0430\u0441\u043d\u043e\u0441\u0442\u0438 \u0432 \u0441\u043e\u0432\u0440\u0435\u043c\u0435\u043d\u043d\u043e\u043c \u043c\u0438\u0440\u0435. \u0422\u043e, \u043a\u0430\u043a \u043c\u044b \u043e\u0442\u043d\u043e\u0441\u0438\u043c\u0441\u044f \u043a \u044d\u0442\u043e\u043c\u0443 \u0440\u0435\u0441\u0443\u0440\u0441\u0443, \u0432\u0441\u0435\u0433\u0434\u0430 \u043e\u0442\u043e\u0431\u0440\u0430\u0436\u0430\u0435\u0442\u0441\u044f \u043d\u0430 \u043d\u0430\u0448\u0435\u043c \u0431\u043b\u0430\u0433\u043e\u0441\u043e\u0441\u0442\u043e\u044f\u043d\u0438\u0438. \u042f \u0438\u043c\u0435\u044e&#8230;<\/p>\n","protected":false},"author":1,"featured_media":3064,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":""},"categories":[2,6],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>11 \u043e\u0448\u0438\u0431\u043e\u043a \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u0441\u043e\u0432\u0435\u0440\u0448\u0430\u044e\u0442 \u0441 \u043b\u0438\u0447\u043d\u044b\u043c\u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u0430\u043c\u0438 - \u0411\u043b\u043e\u0433 Skillesis | \u0432\u0441\u0435 \u0447\u0442\u043e \u043d\u0443\u0436\u043d\u043e \u0437\u043d\u0430\u0442\u044c \u043c\u0435\u043d\u0435\u0434\u0436\u0435\u0440\u0430\u043c \u0432 IT<\/title>\n<meta name=\"description\" content=\"\u0414\u0435\u043d\u044c\u0433\u0438 \u2014 \u044d\u0442\u043e \u0432\u0430\u0436\u043d\u044b\u0439 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\u043c\u044b \u043e\u0442\u043d\u043e\u0441\u0438\u043c\u0441\u044f \u043a \u044d\u0442\u043e\u043c\u0443 \u0440\u0435\u0441\u0443\u0440\u0441\u0443, \u0432\u0441\u0435\u0433\u0434\u0430 \u043e\u0442\u043e\u0431\u0440\u0430\u0436\u0430\u0435\u0442\u0441\u044f \u043d\u0430 \u043d\u0430\u0448\u0435\u043c \u0431\u043b\u0430\u0433\u043e\u0441\u043e\u0441\u0442\u043e\u044f\u043d\u0438\u0438.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/skillesis.com\/ru\/financelegal\/11-oshibok-kotorye-sovershayut-s-lichnymi-finansami\/\" \/>\n<meta property=\"og:site_name\" content=\"\u0411\u043b\u043e\u0433 Skillesis | \u0432\u0441\u0435 \u0447\u0442\u043e \u043d\u0443\u0436\u043d\u043e \u0437\u043d\u0430\u0442\u044c \u043c\u0435\u043d\u0435\u0434\u0436\u0435\u0440\u0430\u043c \u0432 IT\" \/>\n<meta property=\"article:published_time\" content=\"2022-11-12T12:07:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-11-12T12:07:12+00:00\" \/>\n<meta property=\"og:image\" 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