Howtospend.com
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HowToSpend.com is a personal finance planning tool that helps users pay off debts earlier and reach financial goals. Unlike other services, it does not require manual entry of each transaction, and it provides useful cash flow predictions rather than just reports. Users input regular income, expenses, debts, goals and dates. The system analyzes this to predict optimal cash flows and provide a personal financial plan for months or years ahead. It has over 3,500 users and received an award and grant for being a top cloud startup. The company plans to launch iOS mobile apps in the coming months.
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Howtospend.com
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Business sentiment stabilized in May, but exporters’ anxiety and labor shorta...
Business sentiment stabilized in May, but exporters’ anxiety and labor shorta...?нститут економ?чних досл?джень та пол?тичних консультац?й
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Key points:
? The highest uncertainty in the 3-month perspective was recorded among exporters, 20.7%
? The share of enterprises planning to scale down operations over a 2-year horizon rose to 5%, but 95% do not expect a decline or foresee growth
? Labor shortages remain the main obstacle — 63% of businesses noted this issue
? The second most common obstacles were safety risks and rising prices
? Power outages remain a relatively minor issue — only 7% mentioned it
Most key indicators of business sentiment remained stable in May. The Business Activity Recovery Index remained unchanged from April at 0.13. The aggregated indicator of industrial prospects, which reflects short-term expectations, slightly declined to 0.11 from 0.12 in March–April.
These are the findings of the 37th monthly survey conducted by the IER among 474 industrial enterprises.
Uncertainty in the three-month outlook remained unchanged primarily for key production indicators.
“However, we recorded the highest level of three-month uncertainty among exporters. Every fifth exporter — 20.7% — currently does not know what their export dynamics will be over the next 3–4 months,” said IER Executive Director Oksana Kuziakiv.
Uncertainty decreased over longer horizons — 6-month and 2-year periods. Currently, only 28.7% of respondents find it difficult to predict their activities two years in advance. This is the lowest share since at least October 2022, when 42.3% of businesses reported uncertainty.
“In May, the share of those planning to reduce their enterprise’s activity over two years increased to 5%. This is still a small number, though higher than April’s 1.4%. Nearly 80% don’t foresee major changes. In fact, 95% of respondents indicate that they will either remain unchanged or experience slight growth. Considering the instability, security, and economic challenges Ukraine faces, this is a very good result,” said Oksana Kuziakiv.
The share of enterprises that increased production in May fell from 26.2% to 19.5%, while the share of those that reduced output grew from 10% to 13.5%. The share of businesses planning to increase production in the next 3–4 months slightly declined, from 40.8% to 39.9%.
The total share of enterprises operating at full or near-full production capacity slightly increased in May, from 62% to 63%.
“In January this year, the share of those operating at over 75% of capacity rose significantly. Since then, it has remained relatively unchanged. For example, in May, 53% of companies were in this category,” noted Oksana Kuziakiv.
Expectations for new orders remain cautious: the share of companies with order portfolios longer than a year slightly decreased, from 16% to 15%. On average, the duration of new orders increased from 4.9 to 5 months.
“This happened because the share of those with orders for just one to two months declined from 33% to 24%. Likely, these orders were redistributed: some now work ‘on the fly,’ others shifted into the three-to-five month category,Contribution of Remittance in Nepalese Economy.pdf
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