Platforms for collecting money for personal needs. Crowdfunding for personal needs and goals: international platforms. Center for cosmetology and outpatient plastics

Collect money for a dream not so difficult if you know the secrets (effective and reliable) that are given in the article. We often put off life "for later" and hope that we will have time to catch up and achieve our goal. As a result, life passes by, and retirement age is knocking at the door. There is only one thing left - to live out the remaining days and raise grandchildren (if you managed to make them). Far from the most rosy picture, right? This is easy to avoid if you take up your mind today and take advantage of the chances that life already gives. So let's get started.

How to raise money for a dream - the main rules

It's hard to find someone who doesn't set goals or want a better life. The phrase “dreaming is not harmful” was coined by losers, because this is how they justify inaction and lack of results. Collecting money for a dream is not a myth or a fairy tale. It is a reality if a person sets goals and goes to achieve them, despite the existing obstacles.

Are you dreaming of buying a car? Planning to buy a phone? Have you wanted to fly to Paris for a long time? The wonders of life are that nothing is unreal here. Of course, you can go to banks, get a loan, realize your goal, but at the same time "head over heels" into debt and the rest of your life blame yourself for the wrong decision. You can do without this if you take into account a few secrets:

1. Set yourself up psychologically and clearly form the goal... If your dream is travel, it is important to decide on the place, time and even the price of the trip. The more information the better. See photos of the place where you are going, study the video. It is important to imagine that the goal has already been realized. This technique is called "visualization" and it works for any dream - a car, an apartment, your own house, and more.

1. Decide on the amount... To raise money on the Internet for a dream or to solve a problem on your own, it is important to calculate the costs of achieving the goal. If you are planning a trip to Paris, write down how much the visa will cost, take into account the costs of flights, accommodation and entertainment. There should be a figure in front of your eyes, taking into account the circumstances (including force majeure).
2. To raise money quickly allocate 25-30 percent of wages and put them aside (for a deposit, a separate card or in a piggy bank). The first option is more preferable, because it allows you to protect yourself from unnecessary spending and increase capital.
3. Control costs... Many people are unable to live without a cafe. They go there 3-4 times a week, and then wonder why the family does not have enough money. The average bill for two people is 800-1000 rubles. It is 4,000 per week, and 16,000 per month. Consequently, abandoning the cafe will result in an additional 192 thousand rubles a year. Part of the funds from this amount is spent on the purchase of food, so the "net" amount is 150-160 thousand rubles. The recommendation concerns not only trips to cafes, but also other unnecessary expenses, which can be easily dispensed with.

Where to raise money for a dream?

It was noted above that the best solution is to save money for a deposit. When choosing a banking institution, it is important to evaluate it according to the following criteria - interest rate, the possibility of full or partial withdrawal, reliability and reviews. Remember that the DIA insures deposits up to 1.4 million rubles, so it is not recommended to keep more than this amount in one account.

Making a deposit to accumulate funds has the following pros:

• Inability to withdraw money ahead of schedule without losing interest. It is better to open a deposit for a long term - for 6 or 12 months. In such a situation, the percentage will be higher and less willing to cash out savings ahead of schedule.
• The question of where to raise money for a dream is not difficult. Favorable offers are offered by many credit institutions, so there are no problems with the choice of a suitable option.
• Accrual of additional interest. At a rate of 10% per year, 100 thousand rubles with a 12-month deposit turn into 110,000. Though small, but an increase.
• The possibility of replenishment. Many banks allow replenishment of the deposit at any convenient time.

Help raise money for a dream

• Go to shops only on business and follow the list written in advance.
• Pay with cash. Banks have specially invented credit cards, because with a non-cash payment, a person loses control of expenses - he does not see how much money is spent on this or that thing.
• Avoid going to the gym. Today, there are often people who literally shout “Help raise money for a dream,” but spend money on unnecessary things. One of them is going to the gym. Nobody says to forget about health. Just do the main exercises at home (at least during the collection of the required amount).
• Start a piggy bank. No one bothers, except for a bank account, to additionally start a piggy bank and throw money into it as soon as free funds appear. It is convenient, but the main thing is not to break the product ahead of time.

Websites where you can raise money for a dream

• Kickstarter Is a fundraising platform that focuses more on creative people. It is suitable for those who have interesting projects and plan to implement them. Upon successful collection of money, a 5 percent commission is charged and another 3-5 percent is taken for operations. Of the positive qualities, it is worth highlighting the popularity and high attendance. The disadvantages are high commissions and geographic restrictions.
• Indiegogo- a site where thousands of people collect money for a dream. This site is distinguished by its versatility and ease of creating a page for attracting material assistance. When the required amount is accumulated, 4% is charged, and in case of an unsuccessful charge, 9% is taken. In addition, an additional 3% will be charged for operating expenses.
• RocketHub- a platform that offers to raise money for a dream by paying 4 and 8 percent of the commission (in case of successful and unsuccessful fundraising, respectively). The advantages of the service are a convenient and simple interface, the ability to host various projects (including the search for investments for a business). Site traffic is less than on the resources discussed above.

In addition to the sites considered, FundRazr, GoGetFunding and other sites for crowdfunding can be distinguished. It is worth considering that they all charge a commission and a percentage of the collected amount.

Free website to raise money for a dream

To avoid additional costs, it is better to place the project on the site service. A feature of the site for collecting money is the absence of a commission, which allows you to find funds for a dream and avoid paying commissions. The collaboration algorithm is simple. All that is required is to register and log in to the site, then enter your personal account, create a crowdfunding project and raise money for the goal. Remember that dreaming is good, and dreams (if they are really desired) tend to come true.

With the advent and popularization of crowdfunding, it has become easier to raise money for needs (personal goals). With the help of the Internet, it is possible to create a personal online company, to interest and attract investors to finance a business, provide material assistance in the treatment or realize a dream. This option is faster and more effective than contacting government agencies, charitable foundations or other organizations. What are the advantages of crowdfunding? What platforms are in demand? How to raise money for personal needs? We will consider these and other nuances below.

Why is crowdfunding good?

The advantage of crowdfunding is getting unlimited access to the financial flow. By creating your own project, you can attract caring people, investors and depositors, find money for an operation, start a business and personal goals. If you correctly tell the story, readers are imbued with the goal and provide comprehensive assistance to achieve it.

Websites for collecting money for personal purposes- special platforms for placing ads and attracting funding. As a rule, such services charge a percentage of the collected funds as a reward and to keep the site up and running. The user receives a personal page and the ability to post projects to attract funding.

How to start collecting money for personal needs?

To succeed in crowdfunding, follow these simple tips:

• Think about a specific goal. People won't help if they don't see the end result. Describe the task in detail, for example, a new product or business. Visualization works here, which allows the reader to present the result and become interested in translating the goal into reality. If you are organizing a collection of money for personal needs, explain where the funds received will go and promise to account for every “penny”. This approach builds confidence and increases the chances of attracting investors.
• Determine the exact amount... Before starting crowdfunding, determine how much money is required to achieve the goal. Greed should not be allowed, because an overstated level can scare off funding. If you set a small amount, it will not be enough for personal purposes.

The best solution is to divide the project into several sections and determine the costs of implementing each of them. Next, add up the numbers and add 10-15% to the total number (for force majeure). This should be enough to solve the problem.

You cannot demand a specific amount from people. The recommended option is to set an overall goal. Write that if you receive $ 15 from each user, you will be able to launch the project in 2 months (with a detailed explanation). If you wish, you can put a minimum contribution (for example, $ 1).

• Decide with gratitude... Before you collect money for personal needs, make a decision - will you give something in return or not. When it comes to manufacturing a product, you can offer a finished product at a reduced price. If we are talking about charity, a T-shirt or cap with some kind of inscription about participation in help is suitable. A variant with other incentive rewards is also possible.

Best sites for collecting money for personal purposes - table

Choosing a crowdfunding site Is a difficult task, because each service offers personalized terms of cooperation, has limitations and charges commission payments. Below we will consider the TOP 6 of the best sites and, for convenience, we will summarize the data in a table.

As you can see from the above, the most profitable from the point of view of costs and security is the site. The resource is only developing, but has excellent prospects for the future. Here you can create a project at no additional cost, without risks and commissions.

To achieve your goal quickly, consider the following tips:

• Set a deadline... Psychologists have proven that the presence of such restrictions forces a person to part with money. This technique is used by many sites for the sale of goods on the Internet. The closer to the deadline, the higher the chances of getting funding.
• To speed up the collection of money for personal purposes, attract 3-5 supporters and ask them to distribute the link on social media pages, forums and other resources.
• Post the link yourself wherever possible. The more people know about your goal, the better your chances of attracting funding.

And most importantly - believe in success to the last and maintain your reputation on the site. After successful fundraising, thank the participants personally and on the pages of the project.

In general, the concept of crowdfunding does not limit the purpose of collecting money, but only reflects the form of investment or charitable donation. Such financing is implemented through Internet services, where a donation can be sent free of charge or for a formal reward (mention or participation in a project, souvenirs). A prerequisite for creating such an application is to indicate the purpose of the fundraising.

You can get money for your own needs on the following platforms:

• GoFundMe- a platform for collecting donations in three directions from charitable foundations to startups. It became the first major web resource to provide personal funding. It differs from popular crowdfunding projects in the ability to immediately receive donations, without confirmation of the fact that the goal has been achieved. The service commission is 5% of the amount of collected donations. To withdraw money, the US internal payment system WePay is used.
• Indiegogo life is a service of a large crowdfunding platform Indiegogo, which allows you to raise money for an education, wedding or funeral, and the purchase of vital items. When collecting for own needs of users, the project does not charge a percentage of the amount of the collected funding. Donations are withdrawn through the PayPal payment system.

For users from the CIS countries, the GoFundMe and Indiegogo platforms are difficult to use, since they are not available for direct financial cooperation.

If you have an account with banks in the USA or Europe, there will be no problem with the withdrawal of investments.

Raising funds for personal needs in the CIS countries

The domestic analogue of a crowdfunding platform with the possibility of obtaining collective financing for personal needs is the "Together" project from Yandex. It is implemented on the basis of the Yandex Money service and allows you to raise funds for any purpose that meets the norms of law and morality.

To receive funds, the applicant is provided with an online constructor to create a page with a description of the purpose, the required amount of investment and details for payment. Next, it is proposed to place a link to the donation page on the network or create an interactive button on a web resource (for site owners). The service commission for services is charged at the rate of 0.5% within the Yandex Money system or 2% when paying from a bank card.

From a practical point of view, crowdfunding for personal purposes is almost impossible for a domestic applicant. According to statistics, due to economic difficulties, many fellow citizens are simply not ready to give money to solve the everyday problems of strangers, preferring to invest in charitable foundations or potentially profitable startups.

The Internet is a place where you can find not only Wikipedia articles and funny memes, but also money to start your own business project. In some cases, you will not even have to return the funds received, unlike a bank loan. At the same time, we do not offer you to sell a kidney, click on dubious links for days or engage in fraud. An alluring prospect? Then you should turn your attention to crowdfunding.

What is crowdfunding?

"Crowdfunding" is a foreign term derived from English words crowd- "crowd" and funding- "financing". This already gives a certain idea of ​​the essence of this phenomenon. But an explanation from the experts will never be superfluous.

Emil Martirosyan

Associate Professor, Department of Business and Management Strategy, RANEPA

Crowdfunding is a way to finance large and small investment projects. The bottom line is that the broad masses are attracted to investing. Customers, suppliers and anyone interested in the business model can invest.

Ilya Emelyanov

investment banker

Crowdfunding is an anonymous donation platform. One of the p2p options, when an individual lends to another individual. As a rule, in crowdfunding loans are given without interest, and returns are made in the form of gratitude.

Crowdfunding, which appeared abroad, was initially used to finance projects related to either charity or creativity. For example, to raise funds for the release of a disc of your favorite band or an interesting movie audience.

Today the media, both Russian and foreign, most often cover projects of this format. And nevertheless, business initiatives are still in the lead in terms of fees. What is especially pleasant is that crowdfunding as a phenomenon is developing at a rapid pace. According to the World Bank, the annual volume of investments collected in this way will reach $ 95 billion in developing countries by 2025. However, it is not entirely clear how the fate of this method of financing in Russia will develop.

Crowdfunding in Russia

Those who are fond of history may notice that behind the fashionable term “crowdfunding” there is something very similar to cooperative financing, which appeared in Russia in the 19th century. So, we can say that the idea of ​​crowdfunding should have taken root especially well on Russian soil. However, not everything is so smooth.

It is difficult to describe and measure the Russian crowdfunding market. To date, there are no reliable studies on its scope, and besides, it is not regulated by law. Another difficulty is the rather low level of financial literacy of the population, which, in general, should act as investors. People are not accustomed to investing in anything other than bank deposits.

Arthur Ustimov

COO of AKTIVO crowdfunding platform

For Russia, this is a novelty, which in the future will be in demand much more than it is now. Crowdfunding is a very convenient investment tool, it allows you to lower the threshold of entry for investors into a particular project. For example, a commercial real estate building costs 100-150 million rubles, and a crowdfunding project lowers the entry threshold to 500 thousand rubles. This is the secret of the popularity of such a mechanism.

Alena August

business coach, political consultant

The word crowdfunding in Russia has become not only familiar, but also understandable. Moreover, unlike large projects, entrepreneurs and freelancers actively use it in their endeavors. Firstly, smaller amounts are easier to collect, and secondly, these projects are more understandable for people participating in the work of the platforms. .

Crowdfunding is becoming more and more popular among startups. According to Vladislav Zdorenko, author of the Animo project, there are a number of reasons for this:

1. Going to the crowdfunding platform, the author of the project confirms the presence of the target audience, because potential buyers pay for the release of the product.
2. Crowdfunding gives you the opportunity to directly communicate with your audience, get product feedback from them, and improve.
3. Crowdfunding can increase the estimated value of a firm. Under this scheme, investors are entitled to rewards, which are the product itself at a price slightly below the market price. This means that you already actually have sales, and the project is a worker.

Probably, many project managers who have raised not a penny on crowdfunding and are disappointed by this fact simply do not know what the rules for raising funds are. How to hit the jackpot on a crowdfunding platform?

Investor attraction laws

When it comes to investing, a startup always runs the risk of not getting the right amount. Crowdfunding is no exception: the decision to invest in a project or hold them until better times remains with the investor in this case too. Many who have failed believe that raising money through crowdfunding in Russia is unrealistic. But is it?

Ilya Emelyanov

investment banker

You can find an investor everywhere and always, and crowdfunding platforms are no exception. The question is in the amount of funding and how far the implementation plan has been calculated.

Before entering a crowdfunding platform, it is worth remembering that greed is not here: you can attract 500 thousand rubles, but for tens of millions it is better to turn to venture capital funds.

By the way, if a person runs with a "cool" project to a crowdfunding platform, you need to provide an explanation why he did not go to funds, banks and others.

If you were turned down, please tell us why.

Refusal due to complete miscalculations or inadequate assessment does not bode well here either. But if you were turned down just because your balance sheet lacks history, then you can try asking for help from crowdfunding investors.

Personal experience. Crowdfunding rules from startup founder Animo

Vladislav Zdorenko came up with a project for an automatic animal feeder, which is very different from what is already on the market. Today the project is at the pre-sale stage and participates in the "Battle of Technologies" from the oldest crowdfunding portal in Russia Planeta.ru. Vladislav told us how to raise funds to launch his startup using crowdfunding.

Rule # 1 - make sure the project is in demand

It is a big mistake to post projects for good luck, you must be sure that your target audience will like them. Situations are not uncommon when people thought they had good projects, threw them onto the platform, but did not understand the realities of the market. For example, Vladislav's acquaintances created a package for separate waste collection and started collecting money for its release through a crowdfunding platform. However, in Russia, all separately collected garbage will end up in one container, and everyone understands this. Therefore, it was not possible to collect investments.

Rule number 2 - approach the collection amount wisely

It is up to everyone to decide for himself whether to describe in detail what exactly the collected funds will be spent on. For social projects, this often makes sense: people need to understand why, for example, one needs the same amount to plant trees. In the event that you are releasing a product, such a report is optional. What you should definitely not do is indicate the cost price. It is very important how much you charge for the fee. In Russian practice, you should not overestimate it, indicate exactly as much as you can collect. It is better to collect more than indicated than not collect the amount.

Rule # 3 - The early days of collection are most important

If you collect a certain percentage of the required amount in the first three days, you can get into the mailing list for all investors. Plus, it's just morally easier for people to give money away when they see that someone has already done it. To get started quickly, you need to have a clear understanding of where your target audience is. Therefore, the project needs to be uploaded not only to the crowdfunding platform, but also to other sites where your target audience is concentrated.

Rule number 4 - present the project competently

How you present your project is very important. There are certain laws for its design that will attract potential investors. First, it is important to have a video with a good picture and high-quality sound recorded. At the same time, the video itself must represent a certain story, it must have a structure. In the video, you need to present not only the product itself, but also the team that is working on it. A prerequisite is the direct speech of the founder. In short, everything should look like a story containing an introduction, body and conclusion. The final must contain a call to help the project with money.

The second important point is the text that tells about the project. It must be structured, visually broken into small parts. It is better to share it with the help of "GIFs", because today users perceive them better than static images. Images can be taken from your own videos.

It is important that from the "GIFs" the person understands how your product works and what are the benefits of using it

There are also requirements for the content of the project. If you have partners, do not hesitate to share it. The support of well-known companies tells users about the reliability of the project.

Be sure to give extra attention to the team. A person should see the heroes who are promoting a startup, be imbued with their story and believe in it.

Offer people real rewards for participating in the project. Proposals like “deposit 100 thousand rubles and become our general partner” are too abstract and will attract few people. A person must understand what he is paying money for. Therefore, it is better to offer real prizes, for example, your product and accessories to it. All of them should be segmented and clearly described. This will not only attract investors, but also do something like a little marketing research and find out what people are willing to pay for.

Crowdfunding is a good tool for financing a business, although in Russian realities it is still more often used to sponsor social projects. Nevertheless, it is quite possible to raise funds to launch your startup in this way. Of course, if you approach the matter responsibly and wisely.

Speak with potential investors in their language, listen to their wishes, study the target audience, and most importantly, don't be greedy. If your project is expensive, it is better to raise funds for each stage of the launch separately. And then you will be able to tame crowdfunding.

Lecturer-expert of applied socio-economic programs of the Educational Center "Specialist" at the Moscow State Technical University. N.E. Bauman

At least once in our life, each of us thought about how to raise money for a dream and make it a reality. If your realized dream is needed not only by you, but also by other people, then they will help you with this.

Crowdfunding is a term that is increasingly found on the Internet. It consists of two words that translate as: crowd and fund. This method of fundraising for various purposes began to spread with the advent of the Internet. For example, on the Boomstarter crowdfunding platform for two years from 2012 to 2014, about 60 million rubles were collected, more than 350 projects were successfully implemented in the following categories:

1. Design.
2. Games.
3. Art.
4. Editions.
5. Fashion.
6. Music.
7. Theatre.
8. Technologies.
9. Films and videos.
10. The photo.
11. Choreography.

Every day 215 thousand regular visitors visit the crowdfunding platform. The most active sponsors live in Moscow and St. Petersburg, Yekaterinburg. Residents of Novosibirsk, Vladivostok, Krasnoyarsk, Voronezh, Irkutsk, Krasnodar and other cities of Russia are not indifferent to projects. In addition, the Russian-speaking population of neighboring countries, the former republics of the Soviet Union, is socially active. Residents of Belarus and Minsk are leading among them. All of them are united by high social activity, progressive views and a desire to make life brighter.

During the Third Federal Congress on Electronic Democracy at the Public Chamber, I was lucky to meet the creators and leaders of the platform Ruslan Tugushev and Evgeny Gavrilov. Young businessmen held a master class on fundraising on the Internet and talked about the Young Moscow project competition. This new form of public-private partnership will help non-profit organizations in Moscow to receive more than 46 million - money for a dream from the city budget and to implement social projects.

In addition, at the congress, we agreed on cooperation of the Educational Blog on sponsorship BTL Expert with the Boomstarter crowdfunding platform. From the second half of 2014, I will oversee projects on the platform and help them raise funds. Join other successful authors, curated by BTL Expert will help you raise money for your dream within 1 month. This is the period within which you need to attract the maximum number of people interested in making your dream come true. Whether it's a film or a book translation, a food processing workshop, a festival at the end of the world or an expedition on a sailing yacht ...

The desire to raise money for a dream is not enough. To do this, you really need to try: contact friends, relatives, former classmates and current colleagues, potential consumers. You can send them letters by email or SMS, post a video message on YouTube. The more friends you have on social networks, the more you write about your project, the more often you post your notes, the higher the chances of raising money for a dream and doing what others need.

But remember: there are no miracles. The success of your idea is directly proportional to the effort expended. If you have the courage to check your dream for demand by others, write about it in the comments. As a curator, I will definitely help raise money for a dream and support your project on Boomstarter!