Where is money found in a crisis. Choices for the Chosen Ones! Forex or binary options

Times of crisis are always difficult. Every person loses something. But, under such conditions, interesting things happen. Rich people get richer and poor people get poorer. That is why some people seriously think about where to get money during a crisis. It turns out that if you think carefully about your brains, then this is not difficult.

First of all, you don’t need to succumb to all the crowded panic and think that everything is bad, there is no money and never will be. You should not take as a basis the words “Now it’s bad and hard for everyone.” Thus, you will calm yourself, but also fall a few steps back. Of course, it's easiest to give in to emotions and do nothing but whine and complain about how hard life is. But you're not that kind of person, are you?

What is a crisis?

The crisis originates from the moment when the imbalance between demand and supply for goods is disturbed. Under these conditions, there is often a sharp surge in prices for food, utilities and other essential goods and services, while incomes remain at the same level.

It is during the financial crisis that the most unexpected situations occur.

Signs of a Financial Crisis

The main and most common signs of a crisis include: a rapid rate of job cuts, a collapse in prices on stock exchanges, a collapse of the main state currency in relation to world reserves by about 50%, a sharp, simultaneous rise in prices for food, equipment, utilities, etc.

As you understand, and perhaps you know, that in a crisis there is an economic panic. This phenomenon is observed not only in Russia, but also in other countries. I'm not talking about Ukraine, it's generally terrible there. But now is not about that.

Therefore, if you show Kuz'kin's mother to the crisis, then be sure that you will not be left without money.

Plan and idea of ​​earning

You must clearly understand that the crisis is not your problem. You are still the same ordinary person, with your knowledge and talents, they have not gone away from you. Simply, for starters, you do not need to think about earning a lot of money at once, because you risk remaining in a world of illusions.

Illusion of earnings

The "Illusion of Earnings" refers to various "money-making" programs (make money). Such programs do not exist officially, not on a legislative basis, but in an agreement with the client, who, as usual, are frightened by the crisis and are ready to do everything to get easy money. This is a kind of pyramid, the creators of which, with slogans, assure that they know how to earn big money during a crisis. But, as in any pyramid scheme, a moment of disappointment comes, since money and time were invested, but there was no profit.

In general, if you are thinking about getting into network marketing, then throw this idea out of your head. In a crisis, this is a failure.

The basic rule for making money in a crisis

What do you think will help you make money in a crisis? That's right - the people around you! Indeed, during a crisis, the rule always works - give people what they need most. Moreover, giving what you want, and even at an affordable price, is the basis of all the foundations.

In principle, this rule has always existed, but in times of crisis it has a deeper meaning.

Making money in times of crisis

What can a person do without? Without food

No matter how difficult the time, everyone wants to eat and always. Even dogs and cats near the dump. But if animals can have a bite to eat in the garbage, then for the residents of the city, the country it will be unacceptable.

Even if food prices have risen many times over, people will still buy products. This is the law. A common person will be able to save on everything, on clothes, travel, a communal apartment, but hardly on food. All you need is to sell food to people.

There are several ways to sell food.

If you have your own house or cottage, then on their territory you can grow vegetables, berries and fruits, and then sell them on the market or rent them to stores. For example, greens, onions, carrots are in demand all year round. Also, people will not give up home baking. Homemade food is always nicer than store-bought and most likely cheaper.

Much cooler if you have pets: chickens, geese, hares, or maybe a big one cattle. From meat, although it is relatively expensive, people will not refuse. What about homemade milk? It's one of the staple foods, by the way. The second option is more difficult and requires capital investment. It all looks like this: you find a supplier of products, rent a stall or a place in the market and sell products. It's legal and very beneficial. The only thing is that you can not pass the sanitary and epidemiological station. But, it's not a problem if you have some money. This option is very progressive. The main product is presented at a price lower than in stores or from other sellers.

To look good you need clothes

AT modern world looking good is a sign of taste and wealth. Nobody canceled the desire of people for these qualities even during the crisis.

We are not talking about sewing clothes, since this is only relevant during graduations or during marriages, but you can provide repairs and sales.

An online store can be a great option for selling clothes. All you need to do is to create it, put some clothing models there and specify their cost. The product will always find its buyer.

Why did I mention clothing repair? Because during a crisis, not everyone can buy clothes, but everyone can afford to repair old ones.

Education and tutoring

If in the first version we talked about physical hunger, now we will talk about mental hunger.

Parents of children always care about the education of their children. If the crisis does not really interfere with this process, but the prices for education always raise questions.

All you have to offer is you and your talents. For example, do you know how to play a musical instrument, know languages, or are you good at dancing different dances? Then quickly write an ad in the newspaper, and you will see that soon someone will need your skills.

You can also help schoolchildren and students in solving lessons, tasks, tests, and so on. And it's all for money.

If you have doubts about this, then you may be mistaken. Find a like-minded person and go with him to income.

RemBytTechnique

Alternatively, if your hands grow from the place that you need and you understand household appliances, then you may well earn your living repairing it. The crisis hit prices, which means that the purchase new technology It will cost a very large amount, which many will not pull. Therefore, the repair of old equipment or out of order will be more acceptable.

Here you can also add repair and apartments, if you want, and repair of cars, furniture.

Earnings on the Internet

The Internet is a separately taken topic for earning money, where, in general, you can earn money on a wider list of topics.

We already wrote about how. Read more.

Internet blog

If you have unique knowledge that can be useful people Then this type of income is for you. Blogging is a promising form of making money on the Internet, which will not immediately give you a lot of income, but if you work hard and promote it, then hundreds or even thousands of users can refer to it. All you need is knowledge, creativity and internet access.

Online help

This option is one of the ways to make money on the Internet. But if making money on the Internet will bring you a small profit, then online help will have higher monetary potential.

For example, in times of crisis, it is unprofitable for companies to keep employees in the office, so they are looking for more economical ways. You can hire such a company to work and carry out their instructions at home. This can be calling clients by numbers from the database, or sending mail messages.

What we have?

As you understand, in a crisis, you can only survive at the expense of the primary needs of people. Creating a real business in such conditions is doomed to failure. If not a failure, then delivering a huge number of problems and inconveniences. Therefore, the above ways of making money during a crisis will help you stay afloat for a while.

How can you extract income from the crisis state of the economy? What should be done? What investment strategies allow you to make a profit during a period of financial difficulties, if at all possible?

Despite the fact that during the crisis capitals are reduced, and investments and other assets lose their profitability, there are chances to earn money. You can profit from small speculative activities - this is a less obvious form of income, but often used by experienced players on stock exchanges. But you can also buy potentially profitable securities when they are relatively cheap. This approach is less obvious, but in the future it can bring in much more money.

Playing for a fall is the simplest way to make money in a crisis

The first option is called "playing for a fall." Not more than a tenth of investors use this strategy of stock behavior. This option is most common in a crisis in margin trading.

This method is also called short selling or short selling. The operation allows you to sell securities, goods or currencies without having registered ownership of them. Quite a suitable anti-crisis solution.

It happens in the following way. First, a contract is concluded for a delayed execution of conditions or for margin trading. The latter allows you to sell goods taken on credit from a broker, and then sell it to the same broker in order to return the loan to the latter in kind. In this situation, the seller may hope that the loan can be repaid at a lower price than when it cost before.

This is quite complicated, so let's look at the situation in a different way using an example. A market participant buys gold from a broker on September 5th. The price index then is 1,902.8. After that, it is assumed that the investor will have to return the same asset. Suppose he sells it for money, gaining an amount equal to its value at that time. September of this year was a very strange month for the price of gold: it dropped unusually strongly.

So, three weeks pass, and by the end of the month, let's say September 24, our investor buys gold in order to return it in the same amount to his creditor. But on this day, the gold rate is 20% less, already equal to 1,648.2. Thus, he has the opportunity to earn about 20% of the value of the precious metal after the first sale.

Naturally, such behavior is impossible - on September 5, our investor could not know that it would decrease in price in a few days, just as on September 24, he could not know that fluctuations in the cost of the most expensive metal would begin. But, nevertheless, with certain skills in finding information from reliable sources and knowledge about price changes on the stock exchange, an investor can benefit from this. By the way, these investors are called bears - this is a metaphor: the bear usually crushes the victim he is hunting, which is similar to the desire of such investors to buy goods and shares when their value decreases.

Business in crisis

Popular blogger and successful businessman Ilya Varlamov believes that the crisis opens up unique opportunities for new earnings. Indeed, against the backdrop of the devaluation of the ruble and the fall in real incomes of the population, completely different goods and services will be in demand.

"Business on savings"

In the coming years, due to the crisis, Russians will be forced to save on literally everything: clothes and shoes, travel and entertainment, lunches in cafes and spas.

Therefore, everything that will help people to maintain their usual way of life for less money will be in demand. For example, cosmetology services at home, repair of clothes and shoes, home-cooked meals in the office, online services for selecting the best price offers for goods and services in the city.

In addition, the "economy epidemic" will affect not only ordinary Russians, but all companies without exception (especially in small businesses). Trying to optimize costs, business owners and managers will gradually abandon the services of old suppliers and look for cheaper, anti-crisis counterparts.

"Entertainment business"

Due to the sharp devaluation of the ruble, many Russians will stop buying tours to Greece, Turkey and Egypt for some time. But you still need to swim, sunbathe and have fun somewhere! And most likely - in the recreational area closest to your hometown (in a park or on a beach).

This year, those who are accustomed to a higher level of service will come to the market of "domestic entertainment". And the demand for a budget, but high-quality vacation so far clearly exceeds supply.

Fresh ideas can be searched on foreign sites and adapted to Russian specifics. What can be offered to such a target audience? For example, rental of bicycles and rollerblades, organizing outdoor parties for children, selling fresh fruit on the beach, conducting one-day excursions, developing unique walking routes, “quests” in the forest, learning archery.

"Business on foreign tourists"

The crisis of the ruble has made tourist trips to Russia much more affordable for foreigners. There is only one conclusion: we need to open a travel agency focused on guests from abroad as soon as possible!

You can also create a high-quality travel blog on English language. And receive regular earnings for the recommendation of hotels, restaurants and tour agencies.

It is possible to develop new “unused” routes across Russia. Especially popular with foreigners are now " wild tours”, which allow you to evaluate not the popular, but the real atmosphere of a particular country.

Such a "tour a la naturel" can be arranged in ordinary Russian villages. Beautiful nature, fishing and hunting, hiking in the forest, spending the night in rural houses, natural products, master classes in weaving baskets or painting clay plates. To organize such a business, it is enough to go around several villages, negotiate with adequate owners and post a bunch of colorful photos on the site.

If this idea seems too complicated - just make and sell souvenirs. By the way, there are not so many high-quality souvenirs in Russia today - a great idea how not to make bad money during a crisis in the economy.

Placement of funds on bank deposits

Interest rates on bank deposits today are higher than ever. Some banks offer a yield in rubles up to 17% -18.5% per annum! Banks from the TOP-20 are no longer so “generous”, but the depositor can firmly count on 10% -15% per annum.

The same can be said about deposits in US dollars. On the market, you can find offers up to 7.6% per annum, and large banks "promise" a yield of 3% -6% per annum.

The reason is that the market is currently experiencing an acute shortage of liquidity. In other words, during a crisis, domestic banks really need cash, which they are ready to attract from the population at fairly high interest rates.

It is also worth taking a closer look at bank deposits because the amount of guaranteed payments from the DIA has already been increased from 700 thousand rubles to 1.4 million rubles.

Investments in securities

Stock

A crisis is a rare opportunity to buy shares of reliable companies with good growth prospects at a lower price. For example, the shares of the aluminum company Rusal quadrupled after restructuring debts and receiving additional income from the devaluation of the ruble.

Long-term investors are now "bundles" buying shares of companies with good growth prospects, temporarily fallen "below the plinth".

For example, Mechel shares for a long time trading at record lows. Investors began to "dump" them en masse, fearing a possible bankruptcy of the company. However, over time, Mechel emerged from the crisis, and its shares have seriously risen in price. And it is possible that in the near future the growth will be more than 100%.

Recall that four years ago, one ordinary share of Mechel was valued at the stock exchange at 968 rubles. By the end of September 2014, the price dropped to 15 rubles. First this year Mechel shares have already managed to rise in price to 93.5 rubles and fall to 66.38 rubles.

Obviously, the investor will have to pay for the high potential return on the shares of this company high level risk. If the banks do not restructure its loans, and the state refuses to support Mechel, most likely, it will be declared bankrupt.

However, many analysts believe that the likelihood of Mechel going bankrupt today is low. Moreover, the devaluation of the ruble only benefited the company, and the balance sheet finally had money to pay off debts.

In general, the Russian stock market today looks clearly undervalued. The Russian P/E ratio (the ratio of the market price of a share to its earnings) in the MSCI Russia Index is four. For comparison, the P/E in the S&P500 is 18.1.

This means that if the economic situation in Russia improves, then, according to analysts, investors can expect an annual return of 16.9% over 10 years. And this is much more than the return on the market developing countries(not to mention developed countries).

Currency bonds

Another promising option for "crisis" investments is foreign currency bonds of Russian banks. Not all, of course, but such "giants" as VTB, Promsvyazbank or Russian Standard.

Today, large foreign banks (for example, Swiss ones) give their customers the opportunity to buy any financial asset. including debt securities Russian companies and banks.

The yield on bonds of state-owned banks in Russia at the end of 2014 exceeded 20% in dollars. And some private banks to this day offer 30% -40% per annum. At the same time, the maximum rate on dollar deposits in the same banks does not exceed 7%.

Naturally, the reliability of such investments will either have to be checked by oneself, or to seek help from independent financial consultants.

What to pay attention to when assessing the reliability of bank bonds? On the amount of highly liquid funds, the dynamics of capital, the dynamics of assets and liabilities, as well as capital adequacy ratios. Another important point– the amount of funds raised for the purchase of securities.

Now one of the most highly profitable debt instruments are Eurobonds of Renaissance Credit Bank - with maturity in May 2016 and a yield of about 35% per annum. A good yield is offered by MCB (14%, redemption in 2018), Vneshprombank (22%, redemption in 2016) and Tinkoff Bank (15%, redemption in 2015).

Please note that the number of dollar-denominated debt instruments on the market is decreasing every month. Indeed, due to sanctions and the process of de-dollarization, Russian banks and companies have not issued new Eurobonds for almost a year now.

Of course, if the bank goes bankrupt during the crisis (from which no one is insured today), the investor will lose all the money earned and invested. On the other hand, right now such bonds can be bought at a good price, while counting on a really high income.

We buy cash dollars and euros

AT recent times the ruble noticeably strengthens against the US dollar and the euro. However, most experts are inclined to believe that this phenomenon is temporary.

A number of circumstances contributed to the strengthening of the ruble: an increase in oil prices to 50-60 rubles per barrel, a decrease in the degree of tension in Ukraine, the sale of currency by the population, the decision of the US Federal Reserve to postpone the increase in rates, a drop in imports by 30% -40%. In addition, high interest rates in Russia, traders were given the opportunity to earn on the difference in rates in different countries (the so-called carry trade).

In other words, the demand for the ruble is created only by exporters and speculators. And this is clearly not enough to change the trend.

Unfortunately, the fundamental factors pushing the ruble down are still in force. These are not lifted sanctions, and the general “weakness” of the Russian economy, and low prices on oil, and the general strengthening of the dollar.

Therefore, now is the time to “shift” into foreign currency for those who did not have time to do this before the December “jump” in the exchange rate. Indeed, in the next couple of years, the dollar will strengthen against almost all world currencies (analysts and experts are unanimous in this).

In addition, it is possible that in the long run the same “trick” will be done by the euro. After all European crisis sooner or later will end, there will be a solution to the Greek debt problem, and the EU economy will finally get out of recession. And when the ECB's quantitative easing program ends, the euro will go up sharply.

So today the euro is a good option for those who are oriented to the long term. In the next year or two, the euro will most likely become cheaper against the dollar.

For someone Hard times- justification. Someone is looking for opportunities to make money during a crisis. It turns out that this is no more difficult and no easier than with a stable economic situation. Enough to know how.

You have already succumbed to the general trend of social panic, you are devoured by depression, and you are sure that making money during a crisis is an unrealistic task. You do not undertake the implementation of your ideas, do not look for ways to improve the quality of life. The main excuse: "Now it's hard for everyone."

It is both soothing and lowering at the same time. Because getting nervous and letting poverty creep into your life is easy. It is much harder to believe in earnings and not to believe the belief that this is impossible in 2019.

The crisis of 2018-2019 differs from previous crises only in its causes. The very concept of a crisis is as follows:

• massive job cuts;
• the collapse of Russian shares in the securities markets;
• the collapse of the ruble against world reserve currencies by 40%;
• prices for products, electronics, cars, utilities rise by 25% at a time;
• a powerful increase in prices with a significant decrease in the incomes of average Russians.

During a crisis, as Robert Kiyosaki writes, the social gap widens: the rich get even richer (or go bankrupt), and the poor get poorer. The situation in Russia is reminiscent of an economic apocalypse, which indifferently absorbs all chances to make money.

But it provides just as many opportunities to succeed in shaping and replenishing your budget.

Crisis is a strong, obstinate horse. Saddle him up! Then you can "travel" any economic situation, remaining on top.

Earning strategies

Remember that the crisis in the country is not your personal crisis. You have not become spiritually poor, less talented in 2019. Do not concentrate on the idea of ​​earning a lot of money at once, otherwise you will fall into the world of money illusions.

Illusory ways to make money

Popular "money-making" programs that do not exist on legislative framework, and on the contract of several people, unfortunately, they catch birds frightened by the crisis. Their fraud is usually hidden behind slogans with strong emotional overtones that attract those who want to escape in a crisis.

An example of an illusory way of earning

How much financial pyramids whose founders supposedly know how to get rich in a crisis! And just as many people are deceived, losing money. Or losing not money, but time in an attempt to find naive investors.

If you think you can make a good amount of money out of MLM or network marketing, get rid of the idea. Those who have been earning in this area for a long time will continue to earn. Crisis is not the time to start working in network marketing from scratch and wait for miracles.

Real ways to earn money

The rule that will work in times of crisis and beyond is to give people what they need. Even better - to provide at an affordable and affordable price. Then success is guaranteed to you.

This axiom is valid within the framework of any business, and in times of crisis its relevance is aggravated. What is not an object of primary needs for people will remain needed only seasonally, in influxes. And what people always need is already clear: food, clothing, housing. We have not discovered anything new, but if we develop this topic further, we can get the idea of ​​​​a profitable business.

Earnings in a crisis for everyone

So, we free our brain from panic and dull thoughts, fill it with creative energy, and go ahead, earn money!

Food is an eternal need

The crisis comes and goes, but you always want to eat. No matter how high the cost of food, they will always be bought up, in any conditions. A person can save on clothes, but on food he will not be able to due to physiological needs. Your task is to provide people with food, and there are several ways to do this.

If you live in a private house, you can grow some vegetables. For example, onions, carrots, greens, which are in demand in any season. By selling buns and cakes, many not only survive, but also make good money, especially home-made bakery and confectionery products are sweeter for taste buds.

It will be bought. There is also home preservation, which is so lacking for the residents of the metropolis, carrots in Korean, etc.

There is another option. It is more progressive and productive, but requires some investment. You can negotiate with food suppliers, rent a stall, and sell in it. Legal and beneficial.

The trouble is only in relation to the sanitary services to the merchants - they are picky, and an agreement with them can cost money. In addition, it is not known what other ways to oppress spontaneous trade will come up with the legislature in 2019.

Educational home-courses

In addition to physical hunger, there is spiritual hunger. External manifestations are that a person continues to study or take care of the education of his child. Typically, a crisis does not hinder this process, despite the fact that tuition prices cause resentment.

If you claim that you can't do anything that would be worth attention, most likely you are mistaken. Surely you have a hobby in which you can find an ally and income.

clothing

The crisis does not affect the constant desire of a person to look good. Therefore, clothing will always be in demand. Here you have several ways: you can sew and repair clothes yourself, or you can supply clothes. If you own a good living space, you can equip one of the rooms with a small home store. It does not require huge investments.

There is another option - to create a website and accept orders through it. Online stores have repeatedly demonstrated their survivability in emergency conditions. Everyone knows the quote from Bill Gates, they say, if you are not on the Internet, then you are not in business either. There are difficulties and subtleties in creating online stores, but with them you can really make money in a crisis.

Self-tailoring is leaving the service market, returning only in the season of graduations and weddings, so we do not recommend doing this troublesome business. But clothing repair is a hot topic, because not everyone can buy it.

Read also

Income on deposits

Blogging

This is a promising and long-term type of income. You won't make a lot of money right away. It will take time to promote the blog. Whatever topic your blog covers, it should be clear. You also need to know your audience. That is, you must understand who needs your unique experience. And he needs it, believe me. Knowledge will always be in demand.

Bloggers make money by selling links and advertising. If you were into beading, for example, it would be great to do a master class using Toho beads that you bought on such and such a site. And the practical benefit for the audience, and advertising is unobtrusive, and people willingly use such offers.

Reseller and dropshipping

These concepts are not as relevant as they were a couple of years ago, but so much the better - you will not have competition. Dropshipping or dropshipping has remained a magnet that attracts the most controversial opinions. Someone believes that earnings on direct deliveries of goods from the manufacturer to the buyer are real, someone is skeptical about sales of “goods without goods”.

But our goal is to make money in a crisis, and dropshipping, like Internet commerce in general, has proved to be a crisis-resistant phenomenon.

The main thing is not to "peck" on flashy, frankly promotional offers, where they call on you to open your own business as soon as possible, to become financially independent. The more inconspicuous the company is, the better for you - you can dictate some conditions to it.

In a simplified version, the system looks like this: you find a supplier of some interesting product (it is better if it is a manufacturer), create a website that you “stuff” with the appropriate lots, and deliver the product to the client after full prepayment.

At the same time, the purchase price consists of the supplier's price and your markup, which will be your profit. You won't become a millionaire, but you won't lose anything either. This is the so-called "business without investments."

Attention, action!

What is the first reaction of the human brain to the word crisis? Intuitive desire to save. Save on food, clothing, household appliances. Therefore, sites that inform users about discounts, promotions, sales are in demand.

Many people have developed the habit of saving in this way even during the non-crisis period - if they plan to buy a refrigerator, they do not run to the nearest shopping center, but wait for profitable offers from other organizations.

Building a sales website brings a lot of benefits to the audience, to the merchants, and to you. In this case, you will earn on advertising. The more stores you cover, the more you earn.

Help online

The "profession" of a virtual assistant owes its appearance to the crisis. It becomes unprofitable for companies whose turnover is not measured in millions of rubles to maintain a large staff and rent an office. Therefore, many tasks of the company are given to employees outside the office - a virtual assistant.

The range of assigned tasks is very wide - from calling clients through the database to sending out e-mails.

Therefore, knowledge of networking skills is appropriate. Your professionalism, willingness to work and reliability will determine the amount of your income. If the amount obtained per month of work reaches 25,000 rubles. This is a good additional income in a crisis.

One of the ways to make money online is to do copywriting, compiling competent, unique, logically constructed texts. They can be advertising or informational in nature, the main thing is that the texts should be valuable from an informational point of view. They make money on this with varying degrees of success, and not at first, as a rule, but no one is left without bread.

Evgeny Malyar

# Business ideas

Making money during the economic crisis

The Briton successfully sold the property he owned by playing it in a lottery with tickets costing only 50 pounds. Almost 14 thousand people became participants, and the bill of sale was honestly issued for the winner.

Article navigation

• How to make money during a recession
• What to do in a crisis
• How to make money on the economic crisis

Few people have not heard about the crisis that has been shaking for several years world economy, although not everyone understands what it is and where this unpleasant phenomenon came from. With all the complexity of the origins and causes, there is no doubt about its existence. Both businessmen and ordinary people during this period it becomes much more difficult to earn money. Under the conditions of the crisis in Russia, as in other countries, trade turnover decreased, the volume of national production fell, and the standard of living of the population fell.

Definition. An economic crisis is a phenomenon expressed in a large-scale deterioration in the existing business conditions.

In other words, getting income in the usual ways becomes problematic. The main manifestation of the disastrous factors of the crisis is considered to be a sharp decline in sales of the generalized product. A seemingly insoluble contradiction arises:

• Consumers buy fewer goods and services;
• Producers reduce supply volumes and reduce their costs, including in terms of wages;
• The consumer market is shrinking even more.

For all their seeming destructiveness, these periods are characterized by cyclicity and end sooner or later. In addition, even in the most difficult times, there are always people who not only successfully survive them, but also increase their fortune. The article will give practical advice about how to make money on the crisis.

How to make money during a recession

The mistake of many entrepreneurs is to treat the crisis only as a problem. A defensive stance hinders the realization of many of the possibilities offered by this large-scale phenomenon. A business that offers:

• A product characterized by low elasticity of demand, that is, one for which the consumer is forced to pay regardless of the price increase;
• Goods produced in a country with the prevailing use of domestic raw materials. In this case, the cost in currency terms is significantly reduced, which creates competitive advantages in international markets;
• Goods and services at affordable prices. In a crisis, a significant part of buyers reorient their needs to economical products, and manufacturers who are able to offer them at acceptable quality find themselves in an advantageous position;
• New forms of cooperation. During a crisis, the demand for services and goods offered by special conditions provision and payment. Become in demand preferential consumer loans, outsourcing, external consulting and other ways to reduce operating costs, especially by enterprises. For example, instead of having to spend money monthly on the salary of their own lawyer, the manager may decide to involve an outside specialist as needed. Firms that offer these forms of collaboration appear to be viable.

The main condition for the success of commercial activity in a crisis period is the ability to provide a high-quality (preferably unique) product at an affordable price.

What to do in a crisis

Naturally, people are not interested in theoretical calculations (although one cannot do without them), but in quite practical recommendations on what to do in order to make money even in a crisis.

There are actually more options than it might seem at first glance. There are so many of them that it is difficult to even list them in one article. Most of all, the owners of large businesses have the most opportunities to take advantage of the difficult conditions that have arisen as a result of the changed macroeconomic environment, but their representatives do not need advice due to their rich experience and powerful financial resources. The recommendations are addressed to medium and small entrepreneurs, as well as people who worked as employees before the crisis and lost their usual place of employment.

Some activities that generate income during a crisis:

Sale from stock. The peculiarity of the business is that the goods can be sold at a price lower than the usual retail price. This result can be achieved by acquiring a wholesale batch and saving in every possible way on trading costs. As a rule, the lease of space in the city periphery or beyond locality it is cheaper, and buyers have an incentive to come in their own cars and stock up on everything they need for future use, paying less than for the same goods in the nearest supermarket. Transportation costs dictate a larger amount of the average bill.

Internet trading. There are more than enough materials on this topic on the net. It is possible to partially combine with the above warehouse system, if the buyer is ready to come for his purchase himself. The variety of assortment is not limited by anything.

Creation of sites and their promotion. The vastness of the Internet is suitable for earning the most different ways, including by creating new information resources specializing in different areas. The main thing to remember is that traffic brings money. Achieving high attendance is difficult, but this task is relevant during the crisis, and without it.

Construction works. Also an eternal business, but its feature in this aspect should be anti-crisis prices. With such shortcomings of the new company as low fame and limited opportunities, you can always use an important trump card - the client's ability to save on construction, decoration and repair of premises.

Equipment repair. If during a normal prosperous time, in the event of a hardware breakdown, the consumer is often inclined to purchase a new item, then in a crisis, the repair option is sometimes preferable. If you have certain skills, you can repair various equipment with considerable profit.

car service. Cars are always damaged and require maintenance, and the desire to save money on oil changes or repairs is exacerbated during a crisis, when the services of licensed workshops and centers strive to make a hole in the family budget. For starters, your own garage can also become a place of work. If we add tire fitting, “liquid rubber” coating or other possible “chips” that are technologically available in our time to ordinary paid operations, then there are reasons to hope for a stable income.

Trucking. Own car, as you know, is not a luxury, but you probably shouldn’t limit its functions only to moving yourself in a crisis. A car can become a means of earning money, and if it is a minibus, then the possibility of its commercial use is greatly expanded.

Manicure. Exists a large number of beauty salons that provide this service, however, the willingness of the performer to come to the client can become a competitive advantage. This clever move solves two problems at once. economic problems: firstly, you do not need to rent and maintain the premises, and secondly, the flexibility of prices sometimes works wonders. It is not at all difficult to carry tools with you, and with skillful advertising, there will be no end to those who wish.

A haircut. Going to the hairdresser is a long process. A home visiting master will always be in demand for the reasons listed above (as applied to manicure). By the way, we should not forget about our smaller brothers. Grooming dogs is a useful skill that makes sense to master in times of crisis.

Organization of holidays. There has always been fierce competition in this specific market, which is why it seems to many that it is impossible to break into the entertainment business. Nevertheless, there are reserves for promoting the service, and mainly they again relate to the price side of the matter. Create good mood guests can always be at a lower cost.

In a crisis, the pathos of events ceases in most cases to be a criterion for a well-spent holiday. Nothing terrible will happen if instead of a "promoted" group musical accompaniment a lesser-known but well-playing band will perform, and the evening will do without lasers and fireworks, which no longer surprise anyone. You can attract customers with a high-quality and tasty menu, a pleasant unobtrusive host and comfortable communication conditions. And all this at a lower cost.

Options for business activity in a crisis period are countless. The main unifying principle is the ability of the entrepreneur to provide the consumer with the opportunity to solve an "expensive" problem in a low-budget way.

How to make money on the economic crisis

Historically, Russians and citizens of other post-Soviet countries are less accustomed to crises than residents of states in which capitalist relations have been established for a long time. Most of the examples of the successful use of the opportunities provided by the "great turning points" came to us from America and Europe. We can recall the financiers who successfully predicted the collapse of securities quotes and "made" billions on their prophecies (Paulson, Simons, Falcone, Griffin and others).

Noteworthy is the experience of inventing Spam sausage mince from meat products, which until 1937 were considered almost waste, resulting in the most popular canned food (Hormel Foods). There are also more recent examples of the successful distribution of resources in conditions of their extreme scarcity, which led to good results during the last crisis in various countries. Here is some of them:

1. Lease of free pages of school allowances for advertising in the city of San Diego (California, USA) in order to support material support educational process.
2. The Ukrainian city of Lviv is famous for the original design of the cafe. In one of them, Anti-Crisis Kneipp, all the waiters pretend to be bankrupt businessmen offering, in addition to coffee and snacks, to buy various inexpensive products in order to survive financial turmoil. Visitors liked the idea.
3. In the Russian city of Novosibirsk, a new Promo-Dog service has been invented. The carriers of advertising information are dogs with colorful signs promoting various products. Animal owners are paid for the "exploitation" of their pets, which can only be walked.
4. The campaign, which at first glance seems wasteful, led to an increase in sales of Renault cars. Test drive during the weekend plus a full tank of gasoline produces on potential buyers such a deep impression that it usually ends with the sale of the car.
5. Another auto giant, the Korean Hyundai, initiated a program in 2008 under which the buyer of the car received the right to return it in case of loss of work (not because of his fault). Management came to the conclusion that the fear of being insolvent was a major barrier to buying a car. The action had a positive effect - sales increased significantly.
6. Russian realtors take note! Briton Dave Mackie very successfully sold his property (for £765,000) by playing it in a lottery with tickets costing only fifty pounds. Nearly 14,000 people willing to take risks became participants, and the bill of sale was honestly drawn up for the winner.
7. In the US, the mortgage crisis has resulted in a rapid fall in housing prices. The way out for many families was to short-term rent cheaper houses, which helped to keep the property.

Hello, dear readers. Today we’ll talk about business during the 2019 crisis and share a small selection of relevant business ideas in an unstable time of crisis. If you have your own ideas, we are waiting for them in the comments below the article.

What to open a business in a crisis

This is probably main question for everyone who wants to earn money during the crisis. Let's see what successful entrepreneurs have to say about it.

Founder and owner of Tinkoff Bank.

According to Oleg Tinkov, Special attention in times of crisis should be given to the medical field and everything connected with it. With a reasonable approach, start-ups that are focused on the production of dietary supplements can be profitable, medicines, equipment for clinics and pharmacy chains. Little competition and growing demand create ideal conditions for private medical institutions and the hospital sector.

In the absence of large initial investments, Oleg Tinkov advises to pay attention to the promising market for the development of applications for gadgets and online consulting. The businessman rightly believes that Russia is noticeably behind many world developments in the field of medicine and care for them by 15–20 years, and there are a lot of opportunities for copying for newcomers.

A good income in the future can be provided by investments in medical development and R&D. The only problem is the high cost and long payback period of such business projects, and in Russia they are not used to doing this.

Founder and owner of companies such as Dymovskoye Sausage Production, Suzdal Ceramics, Respublika (a chain of bookstores) and Rubezh (cafes and restaurants).

The owner of a network of well-known companies believes that in these crisis conditions it is better to start business projects related to import substitution. A hint will be provided by an analysis of the trade market and customs statistics over the past few years. It may be some types of food, the demand for which has been stable. He believes that the crisis has not changed either people or officials.

Vadim Dymov is convinced that it is possible to reach financial peaks by opening new projects in agriculture. As an option, he proposes to use state land shares for Far East to grow soybeans that can be exported to China. A risky but simple business can bring significant profits.

The businessman does not rule out success when opening startups in the field of machine-building logistics and components for assembling units. He claims that there are absolutely free niches for the development of medium and small businesses in small towns far from Moscow. Why not open a carpentry shop to produce excellent domestic furniture? Suddenly? But it is very pleasant to create and use your own, to raise your own brand.

Founder and owner of the network of pizzerias "Dodo Pizza".

According to Fedor Ovchinnikov, the time of crisis is a period that is favorable for opening almost any business. After all, this crisis simply forms a new one from the usual coordinate system, and life continues to go on as usual. Only the rules of the game change, and it becomes important not “what”, but “how” to act in the new conditions.

Fedor Ovchinnikov is confident that Mercedes will be in demand even during the crisis. The main thing is to find an optimal and competitive business model in order to win in modern conditions.

Fedor Ovchinnikov suffered a major setback early in his financial career. His first book sales project turned out to be unprofitable and failed, but only helped the businessman develop a new strategy. Now the entrepreneur treats the beginning of each of his business as if there is a severe crisis in the yard. He immediately asks himself a reasonable question: “What will happen to his business project when everything goes bad, even if at this stage everything is fine?” He rightly believes that it is in this difficult and new time that a healthy and strong business can be formed in the country.

Founder and owner of the Expedition company.

According to entrepreneur Alexander Kravtsov, now is a great time for any new undertakings. Here it is important to invest your soul in a business project and maintain good spirits. If you do not hide and do not retreat, then everything can turn out to be an excellent and profitable business.

Alexander Kravtsov believes that there are no crises. Now there are a lot of markets that are losing money. But there are many enterprises that are simply overwhelmed with stable orders. For example, the only Russian company manufacturing backpacks is loaded at full capacity.

The businessman believes that interesting and relevant topics for a new business are food and tourism development.

It is better to become more active in those financial niches where you left foreign investment. But he recommends being more careful with fixed items of expenditure. Serious changes are taking place on the market in favor of the employer: many active and qualified specialists are being released who can be useful for new projects.

Alexander Kravtsov believes that a businessman in a crisis should become a cynic: do not pay high rents, do not pay inflated premiums and do not invest in dubious projects.

TOP - 15 business ideas in a crisis

Below we have collected 15 small business ideas in a crisis. This is not all that can be discovered in an unstable economic situation, so we will try to supplement the article. Including your ideas, which you leave in the comments!

Also useful information you can learn from the article about .

Business idea number 1 - Opening an online store

Upfront costs- from 200 000 rubles.

The general essence of the proposed idea is the development and organization of an online store, the sale of goods through the site, its delivery to customers using a courier service or regular mail. The relevance of such a project is confirmed by numerous economic analysis of the market. The service is more and more in demand among buyers of the middle age category, and the monthly growth of the market speaks of its prospects.

When planning to open an online store for women's or children's clothing, the owner faces the following costs:

• expenses for the development and technical support of the smooth operation of the site;
• salary of administrator, courier;
• if necessary, rent a warehouse;
• transportation costs for the purchase of goods.

The rent for the premises of a stationary store is replaced by the content of the site, the purchase of software, advertising costs.

The average percentage of profitability of knitwear and clothing stores is at the level of 20-25%. When investing in the purchase of goods more than 200,000 rubles, the monthly net profit can be from 40,000 rubles. By actively promoting an online store, analyzing the assortment and costs, you can pay back such a project in 4-6 months.

Business idea number 2 - Opening a street fast food

Estimated cost of the project- 275,000 rubles.

The essence of the idea is the opening of a small outlet for the manufacture and sale of a certain type of snacks and drinks to the consumer. Unlike the usual shawarma and hot dogs, the project proposes to develop a range based on sandwiches with nutritious and tasty fillings, classic or closed sandwiches. The relevance of the idea lies in the constant demand for fast food products. During the crisis, people are less likely to go out to restaurants and are increasingly opting for quick and inexpensive street food.

It is better to open such a stationary point in places with a large flow of people: near metro stations or bus stops, shopping arcades, higher educational institutions. Main costs:

• rent of a place of trade;
• purchase of a stall, tent or trailer;
• purchase of thermal and refrigerating showcases, equipment for work.

If we base the calculation of the approximate income on a daily turnover in the region of 8,000 rubles, then we can talk about an average monthly revenue of 240,000 rubles. With a profitability of 30% set in the price, such street fast food will pay for itself in 5 months. You can increase the influx of customers by adding dishes with non-standard ingredients, offers for vegetarians or healthy food connoisseurs who have difficulty finding a decent catering outlet.

Business idea number 3 - Opening a pancake cafe on wheels

Initial investment- 400,000 rubles.

The business idea is based on the equipment of a pancake baking point, the organization of the production of special fillings, and the sale of this original fast food to the buyer. There are many companies on the market offering delicious product so there is a lot of competition in the sector. By relying on non-standard products for fillings, beautiful presentation, excellent taste, you can get a stable profit and regular customers.

To organize the process, it is better to choose a mobile point that can be moved when changing the place of trade, transported to participate in events and public holidays. Its equipment will become the main cost item for opening a pancake cafe.

Successful development of production is possible in the case of:

• a wide range of interesting fillings;
• staff professionalism;
• correct choice of location.

In most of these enterprises, the margin level is 80-100%, which fully covers utility bills, all costs and gives a stable profit. We can talk about full self-sufficiency only after a few months due to the initially low cost of this product, a lot of competition.

Business idea number 4 - Bakery and confectionery

Approximate investment amount- 1,000,000 rubles.

It is worth noting that people will always want to eat, in connection with this, opening a business in the field of catering during a crisis period becomes relevant, even when the economy is not all right in the country. Small firms that combine the functions of a bakery and a store are gaining popularity in large cities. Interesting assortment and pleasant home atmosphere can attract buyers with different incomes. The essence of this idea is the design and opening of a fully equipped enterprise that is engaged in baking and selling bakery and confectionery products to the consumer.

To accommodate a bakery and pastry shop, it is necessary to carefully select a place with good traffic. Ideally, if there is a shopping center, bus stop or office block nearby. The project can be developed in two directions:

• a simple bakery and confectionery with a sales area;
• a bakery with a small cafeteria for visitors.

The first option is more economical in terms of investment and requires less time to organize. With a good location, a bakery can serve 300 - 800 visitors a day, each of which will make a purchase in the amount of 200 - 400 rubles. The approximate profitability of a small enterprise without a cafeteria is 20%. With such volumes of trade, the costs of opening a bakery and confectionery will pay off in less than 10-12 months.

Business Idea #5 – Opening an Outsourcing Company

Minimum investment- 550,000 rubles.

The essence of such a project is the creation of an outsourcing company that provides various services to third parties for a fee. As the main specialization, you can choose accounting or legal business support, solving financial or IT issues, creating an external call center to work with orders. The market for such outsourcing firms is just emerging, making the business project relevant. During a crisis, many companies reduce staff and it is more profitable for them to outsource tasks.

To organize and start work, it is necessary to solve two specific tasks:

• rent of a convenient office space in the central part of the city;
• attracting real professionals in the chosen field to the staff.

In addition to the initial costs of renting and decorating an office, it is necessary to invest part of the funds in advertising and maintenance of life in the first months of formation. Work with clients is carried out on the basis of a special contract. The cost of services is calculated individually for each working situation. Much attention must be paid to the quality and completeness of the work. This will help in attracting regular customers and increasing the level of profitability of the outsourcing company.

Business Idea #6 - Opening a Canteen

Minimum investment- 1,000,000 rubles.

The essence of the project is the opening of a small catering establishment in the format of a city canteen. Her services will be in demand among people with different incomes: students, pensioners, business travelers. Such budget canteens have a stable demand and show low competition even in large cities.

After choosing the format of work, you should decide on the room. It must fully meet certain technical requirements. Best Option will be the rental of a former catering establishment or a spacious hall near the station, higher educational institutions, shopping malls.

The main cost items can be:

• refurbishment of the premises for visitors;
• purchase of kitchen and commercial equipment;
• training and maintenance of the team.

It is considered optimal to accommodate up to 50 visitors at the same time. Workload varies depending on the time of the working day. The average indicator is a patency of 50-60% with a check for 200-300 rubles. The daily income of a canteen with such a volume starts from 25,000 rubles. Taking into account all the overhead costs and the cost of renting a room, such a “delicious” business project can pay off in a year of stable operation.

Business idea number 7 - Business in the production of frame houses

Minimum investment- 500,000 rubles.

The essence of such a project is the development and implementation of a business idea for the construction of turnkey frame houses. The acquisition of small wooden houses is in demand among the middle class, which seeks to move closer to nature outside the city. Construction work from foundation to turnkey delivery does not exceed several months. The affordable amount of material costs makes frame houses a good investment.

To implement the project, it will be necessary to open several offices in different districts, which will accept orders and conclude contracts for the sale of finished objects. At the first stage, the main investments will be:

• training and salaries of construction teams;
• maintenance of staff in the office;
• advertising expenses;
• purchase of the necessary tool kits.

The level of profitability is calculated based on the cost of materials spent on the object. On average, one meter of living space costs 30-40 thousand rubles. It can be sold at a price of 70 thousand rubles, having received a net profit after the sale of a cottage or townhouse in the amount of up to 2 million rubles. Such a business can become profitable and bring a stable income, paying off after two completed projects.

Business idea number 8 - Opening an economy class hairdresser

The amount of capital investments- over 300,000 rubles.

The essence of the business idea is the opening of a small hairdressing salon that provides a full range of necessary services at affordable prices. Such a project will be relevant in large and medium-sized cities due to the constant demand of the population of different ages and incomes. By providing quality service at affordable prices for most customers, you can make a project with a stable income.

The bulk of the costs are for the purchase of specialized furniture, working equipment and cosmetics, the design and equipment of a hairdressing salon. Good traffic is ensured by its opening in a residential densely populated area next to a bus stop, shopping centers. For additional profit, you can:

• to use the transfer of workplaces for rent instead of hired personnel;
• invite representatives of related professions to sublease to increase the flow of customers (manicurists, make-up artists).

With an average check for a service of 250 rubles and servicing at least 16 visitors per shift, the payback period of investments is planned to be up to 18 months. Expanding the list of services, holding promotions and self-promotion will help improve the result, guaranteeing a profitability of 29%.

Business idea number 9 - Opening a pharmacy

Upfront costs- from 500 000 rubles.

The essence of the idea is the wholesale purchase of a wide range of medicines and the organization of a stationary pharmacy for the retail sale of these medicines to the population. Given the high demand for this type of product, even with the existing level of competition, the project can be a very profitable financial idea.

A good and stable profit in this line of business depends on the pricing policy, the choice of the most stable suppliers and location. A small pharmacy operating as a discounter will be in stable demand among the population of the residential area. Its opening is optimal near metro stations, transport stops or grocery supermarkets.

To implement the project, you will need:

• specially converted non-residential premises;
• personnel with appropriate education;
• conclusion of contracts with trusted suppliers.

The profitability of a pharmacy is directly proportional to the turnover of medicines. Given the peculiarities of the legislation, entrepreneurs set high mark-ups for some groups of drugs. Additional income comes from the sale of medical equipment, hygiene items, baby food.

Business idea number 10 - Opening a children's commission store

Estimated investments- 300,000 rubles.

The general essence of the idea is the organization of a small store to accept goods for sale from customers for the purpose of subsequent resale, taking into account a certain commission to the seller. This area of ​​activity is growing rapidly. Quality baby products are in high demand, especially with financial austerity in many young families.

The main amount of expenses falls on the rent of a small room, its repair and equipping with commercial equipment, furniture and stands. The project does not require the purchase of items in wholesale warehouses, but an important component is constant advertising to attract potential buyers and sellers.

It is better to open a store in a densely populated area, near grocery supermarkets or children's clinics. Small investments will require:

• colorful design of the facade;
• the content of the site or groups in social networks;
• staff salaries.

For such a project, economists consider a good profitability level of 12-15%. With a daily turnover of 15,000 rubles, the monthly net profit minus all expenses can be 30,000 rubles. Savings can be achieved by doing such an enterprise family business and without hiring outside employees.

Business Idea #11 – Opening Training Courses

The relevance of this idea lies in the fact that parents will not save on children even during an economic downturn. Private schools for learning foreign languages ​​or preparing children for the Unified State Examination may not be affordable for some parents during a crisis, but budgetary private courses (individual or as part of a small group) are quite real.

Estimated investments depend on the scale of the business. You can purchase all the necessary interactive learning tools and organize training courses at home or rent an office space by the hour. The rest of the costs will go to advertising: in the social. networks, bulletin boards, newspapers, etc.

Business Idea #12 - Farm Products

During the crisis, many products in large supermarkets rise in price. During this period, the sale of farm products directly from the farmer becomes especially relevant. Having received everything Required documents you can organize a stationary point in the market or a mobile sale: milk, eggs, cottage cheese, pork, beef, poultry, etc.

Initial costs will depend on the scale of the business organization. You may need to purchase a special milk tanker, rent a sales pavilion, or hire a salesperson and driver. In addition, you can develop an individual design for your company, including the cost of branded stickers on cars and products.

Business idea No. 13 - Shop "all at one price"

Estimated investments- 700,000 rubles.

It is worth noting that all the stores on the market in this area "rose" during the crisis. In pursuit of the best price, people are trying to save as much as possible by increasingly visiting stores with a fixed price. The assortment will depend on your preferences, ranging from inexpensive products to household items.

You can purchase a franchise or open a store on your own. In any case, the essence will be the same. The costs will go to:

• rental of premises;
• purchase of commercial equipment;
• the first batch of goods;
• hiring employees.

As in any business, do not forget about the good location of the outlet: a busy street, a walkable area.

As a supplier, you can consider the option of purchasing goods from China.

Business idea No. 14 - Manufacturing business or import substitution

Import substitution- a key moment in the organization of business during the economic downturn. In addition, the policy of the state is entirely directed in this direction. There are many grants and third-party investments in the organization of production in our country. For some, this may be new, but goods can be transported not only from China, but also to China! Many foodstuffs there have a high price, and if you properly organize the delivery, but you can talk about a promising business.

In addition, during a crisis, imported products rise in price due to currency fluctuations. In this regard, the demand for domestic goods with stable acceptable prices is increasing. This is the basis for organizing a manufacturing business.

This may also include agricultural products(honey, nuts, meat, milk, cheeses, etc.), textile production, conservation(fish, cereals, vegetables, etc.), fresh vegetables and fruits and much more.

Business idea number 15 - Beauty salon at home

Estimated investments - 30 000.

The popularization of masters who will come to your home and prepare for important events has gained its relevance precisely in a crisis. Beauty salons do not reduce prices for their services, but private hairdressers, make-up artists, manicurists take much less money, besides, they do not have to share with the owner and pay rent.

All initial costs will go to the passage of special courses, the purchase of the necessary equipment and advertising. To prepare a portfolio, you can try your skills on close relatives, friends.

Conclusion

Now you know how to open a business in a crisis. These are not step by step instructions, just ideas. We will be happy to discuss with you in the comments the issues of small business in times of crisis and we are waiting for ideas from you that, in your opinion, can be started in Russia during the crisis.

And also take a look at the section -. There you will find even more collections of articles with business ideas.