Why do I need cyber money?

    Yandex.  Money
    I got a wallet in Yandex.Money. Why did I do this? Why does the holder of a savings book in Sberbank and a personal bank account (not credit, but salary) also have cyber money? I have no excuse! But I will try to explain my act ...



    Until recently, electronic money in Russia was not very popular, and communication was only with Sberbank, where we stood and stood in furious lines to give our own money (change cash to electronic that was sent to the addressee). A simple person started a bank card only because at work or at the university a salary (scholarship) was paid on the card, and not at the cash desk. Naturally, on the first day of receipt, this money was withdrawn at the nearest ATM and turned into cash. We are being taught to pay with a card, but so far it is not being vaccinated as fast as abroad.

    If you work as a legal entity, then there is always a current account, and payments from customers are legal. persons go to him. Those. right away, as computer scientists say “by default”, you have electronic money, and to turn them into cash you need to pay, as I wrote, a rather serious percentage . Therefore, all the relationships between jur. persons go in electronic form. For us - “physicists” (individuals) - this is unusual and new. True, the Internet has been living for a long time and is actively paying with electronic money, and WebMoney comes to my mind first of all, but today I will focus on how and why I use Yandex.Money.

    And so, at one time I wanted to get myself an electronic wallet like WebMoney, but it stopped me that I needed to download some extra program to my computer, and given the universalparanoia anything extra to put not like (of course, and all of a sudden stop working downloaded from the Internet :) toys).

    In Yandex.Money this is not. All calculations are carried out through the Web interface. Why Yandex.Money? In general, the choice was small. When I launched Yandex.Direct advertising, I decided to make a withdrawal in the same place in Yandex so as not to go far. You can see Direct's ads on my site on the left and bottom of the page, and when clickeda small percentage is unfastened to the link, which ultimately ends up in Yandex.Money. For lovers of freebies, I’ll say that advertising brings at least some tangible income, your site should be visited by several thousand people a day, so the thought that we are sitting and the money goes for small projects like mine doesn’t roll. Rather, I was interested in just trying what happened. What if money flows like a river?

    But still, there is some small electronic money and it needs to be spent. Where to? Of course, to pay for the Internet. Most providers support Yandex.Money. Now, as I wrote, you don’t need to go anywhereand spend your time, just click a few buttons and the Internet is paid. You can pay and renew domains. Money comes instantly. At one time, I went to Polezhaevskaya in Ru-center to pay for domains, then they moved to Sokol. Then he found a way not to drive, but to pay with a bank card. Now I pay with cyber money, the most convenient way for me.

    I also pay for the phone. I'm not talking about mobile. It goes without saying. In this case, the money falls into the account within five minutes. You do not need to think, "oh money runs out, you need to look for the nearest payment acceptance point." At any time, having the Internet at hand, you simply throw a few rubles (and not necessarily 500, as in Svyaznoy with cash payment) into the account of any phone, any mobile operator, without removing any additional interest. You’re sitting in the office, your wife ’s girlfriend is calling you , but there’s no money on the phone, the connection has ended, the money has ended, the whole world has collapsed. No need to rip hair in all places . We look at Yandex.Money, we throw 50 rubles on the phone and the world came to life again.

    Again, these receipts for your home phone. They always come after we have collected the entire bundle of payments for the apartment, electricity and something else, defended the queue at Sberbank and paid. These receipts come to me exactly the day after going to Sberbank. I’m really reluctant to stand in line again for the sake of 150 rubles. And here, lo and behold, it turns out you can pay for the telephone MGTS and Rostelecom (intercity) through Yandex.Money. I somehow tried to just pay the phone bill with my usually bank card by transfer, so they almost turned off my phone - they don’t see the money with a regular transfer and that’s it. And if through Yandex.Money, they see it. Therefore, an excellent time saving is obtained. It turns out that all utilities can be paid with cyber money, both for an apartment and for electricity. At the same time, you can even see the apartment how much they counted there for you is very convenient for me. So gentlemen, Internet users, are you still standing in lines at Sberbank?

    The only thing left is to throw some amount into Yandex.Money in the cheapest way. About advertising, I already said. The method is good, but not very effective. Yandex, in its agreement, says that you can’t force a user to click on ads like “support us, click on the banner.” What should I do? Post flash on the site on top of all windows, how many do? So it’s impossible to read such sites. No, this is not my method. I myself can put a small amount in Yandex.Money for my own convenience.

    I do not recommend payment cards. A card of 500 rubles near my house costs 560 - and this is sorry, a 12% loss - it will be too much. Yandex writes that there is a point on Frunzenskaya where cards are sold at no extra charge. I’m not interested in going there. Faster defend line at Sberbank. You can recharge through payment terminals - this is 5-6% (well, at least not 12). And best of all, through an authorized bank. There is a list on the Yandex website, there generally only 1% is taken. It turns out that you spend time once in order to put money into your account, then save it many times, making small and quick payments via the Internet without standing in the queues for each payment.

    I liked the good “repeat last payment” mode. Just what you need to repeat the payment for the phone, everything is already filled in, it remains only to set the amount. At the same time, you can always see the income and expenses of payments, which is convenient for maintaining personal finances. It’s just that they’re kept automatically, and you don’t need to enter anything anywhere, do some bookkeeping, these payments are almost the same from month to month and they are easy to predict and track whether you paid for the next month or forgot.

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