?????? ???????? ??? ???? ???????? ??????. ?? ?????? ?? ??????????????. ????????????????? ???????? ?????? ??????????? ?????? ?????? ??????? ???????????? ????? ???????????? ?????????? ???????? ?????? ?? ???????? ?????.?? ???? ?? ???? ?? ???? ?????? ???? ????????? ?? ???????? ?????? ?? ?? ?????????? ?- Experiences/recommendations for effective spendi