Money & Me
Money & Me
🎁
Why bother with this survey?
Finish the survey and you’ll:
Get our free
Student-Friendly Budget Toolkit
(Google Sheets + tips).
Enter a raffle for a 2000rub OZON
gift card
.
See the final stats to compare with your peers.
Get started
👋 Hey there! Before we start, how stressful is managing your money as a student in Russia?
(Choose a value: 1 = Breezy, 10 = “Help – my wallet’s on fire!”)
1
2
3
4
5
6
7
8
9
10
Breezy
Help – my wallet’s on fire!
Which Russian city do you study in?
Moscow
Saint Petersburg
Kazan
Other ➜ type
What’s your current level of study?
Bachelor’s
Master’s
PhD / Doctorate
Language prep / Foundation
Other ➜ type
Where are you from originally?
Approximate monthly income (scholarship + side gigs):
5000
1000000
Which tools/apps do you lean on to manage money?
(Select all that apply)
Excel / Google Sheets
My Russian mobile-bank app
A budgeting app (e.g., ZenMoney, Toshl, coinkeeper)
Envelope / cash-only method
I just check my balance and hope for the best
Other ➜ type
*Select one or more options
Biggest budgeting struggle right now?
Tracking small “stealth” expenses
Irregular income flow
Sticking to set limits
Currency swings (RUB ↔ USD)
Honestly…laziness 🤷♂️
Other ➜ type
On average, how often do you review your spending?
Daily
Weekly
Monthly
Rarely / Never
If a finance app could magically solve one problem for you, what would it be?
Pick the feature that excites you most:
Real-time Foreign exchange rate alerts
One-tap low-fee remittances
Auto-budget that learns my habits
Beginner-friendly micro-investing in USD
Beginner-friendly micro-investing in RUB
Group savings goals with friends
Something else ➜ type
How do you usually send money back home?
Western Union / MoneyGram
Bank SWIFT transfer
Crypto (USDT, BTC, etc.)
Mobile money (M-Pesa, MTN)
Fintech apps (Wise, Korona Pay, etc.)
I don’t send money home
Some other way ➜ type
Typical transfer size?
1000
100000
Biggest headache about sending money?
Do you hold foreign currency or crypto to hedge the Rouble?
Yes, mostly USD/EUR
Yes, mostly crypto
Both
Nope
Primary (favorite) Russian bank account:
Sberbank
Tinkoff
Alpha Bank
VTB
Other ➜ type
Why is it your favorite bank?
Low fees
English-friendly app
Good FX rates
Large ATM network
Cashback / perks
It was easiest to open
Do you currently invest?
Yes
No
Where do you invest?
Russian broker (stocks/bonds)
Foreign broker (e.g., Interactive Brokers)
Crypto exchanges
Real estate back home
Other please specify
If you don’t invest, what’s holding you back?
Not enough spare cash
Lack of trustworthy platforms
Don’t understand how/where to start
Legal restrictions as a foreigner
Fear of losing money
Your variant
Top financial goal for the next 12 months:
Progress “100 % – last step!”
Save $X emergency fund
Pay off education debt
Invest in property back home
Build credit score in Russia
Start a side hustle
Other ➜ type
Anything else you wish existed for students like you?
Email (optional) to receive the toolkit + raffle entry:
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