The theoretical foundations of financial consulting in personal finance management and its significance in the financial life of the country's households are characterized. The dynamics of Ukrainian households investing in securities and the structure of the consulting services market in Europe are analyzed. The weak influence of personal finance on the development processes of the securities market in the current unstable conditions of economic development is revealed, namely: a high share of consumer spending in the household budget, a low level of trust in the financial sector, the absence of a developed investment market in Ukraine, a low level of financial literacy of the population, negative socio-economic consequences of the spread of COVID-19, and the existing military-political situation caused by the full-scale military invasion of the Russian Federation into Ukraine. The range of services for managing personal finances and conducting operations with stock instruments provided by financial institutions and independent financial consultants is disclosed. The expediency of reorientation of managers of financial institutions working in personal finance management from the format of salesmen to the format of financial consultants is emphasized as a key factor in the development of the securities market. The key areas of development of financial consulting in personal finance management are identified – intensification of consulting activities of financial institutions and integration of joint efforts of financial institutions with independent financial consultants. The article suggests the encouragement of the creation of consulting companies specializing in financial and investment consulting exclusively for individuals by establishing benefits in the taxation of their profits and simplifying the registration and licensing procedure. The results of the positive indirect influence of financial consulting on the processes of development of the securities market are outlined: reduction of the information asymmetry of the stock market; strengthening of the level of financial security of households and increase of their confidence in the securities market; an increase of the volume of securities trading on the market with the participation of households. 

personal finance, securities market, personal finance management, financial security, financial consulting 

The article characterizes theoretical principles of the impact of budget transparency on ensuring the financial self-sufficiency of territorial communities determined by the ability of their authorities to finance in full the spending powers for solving social and cultural needs of the daily life of both individual residents and the community in general at the expense of the financial resources formed in local budgets. The content of a number of interrelated key characteristics (transparency, openness, timeliness, accountability, credibility) and types of budget transparency (political, economic, procedural, public, regulatory, institutional) is highlighted and revealed, taking into account the key areas of their manifestation. Attention is focused on the main problems of budgetary transparency of territorial communities: a decrease in trust and respect for the authorities on the part of citizens, a lack of open dialogue with representatives of the authorities, and a low level of readiness of society to participate in the decision-making process for solving local problems. The article justifies that ensuring the accountability of authorities and effective involvement of the community in the budget process requires the development and implementation of an effective communication strategy at the level of territorial communities, the creation of expert platforms, the spread of the practice of forming local budgets on a participatory basis, the development and launch of complex public finance management systems, and comprehensive evaluation of budget transparency, which would cover all local budgets. Particular attention is paid to highlighting the forms of citizen involvement in managing the finances of territorial communities in terms of the stages of the budget cycle and the possible effects of such participation. The article offers the following directions for strengthening the financial self-sufficiency of the budgets of territorial communities based on the increase in the level of budget transparency - increasing the loyalty and trust of economic agents in the activities of subnational governments, activating the financing of investment projects of local importance due to the increase in participation in the process of planning, formation, and use of local budget baskets, and optimization of the budgetary resources spending due to the growing interest of members of the territorial community in solving issues of local importance. 

budget transparency, budget process, decentralization, local budgets, territorial communities, financial self-sufficiency 

The article deals with theoretical and methodical principles of management of financial resources of the state economy: its essence, tasks and principles are defined. Under the management of the financial resources of the state economy, a system of principles and methods for the development, adoption and implementation of management decisions aimed at creating financial resources and increasing the efficiency of their use by all economic actors – the state, regions, individual enterprises and institutions, and households – are considered. The attention is paid to the emergence of a certain inconsistency in Ukraine – the financial system that is currently formed and provides financial support for the activities of economic entities, even at the weakest manifestations of various types of risks and threats is destabilizing, which in turn leads to a liquidity crisis, and therefore – before the outflow of funds from the country’s economic system, inflation and so on. The absence of an integrated approach to the formation and use of financial resources in the program documents of the state is conditioned, first of all, by the lack or limited volume of the financial component. In addition, there is a lack of recalculation of certain sectoral and regional peculiarities, since the main emphasis is being made on the formation and use of budgetary resources, which makes the developed programs and strategies of economic development, for the most part, to be financially unsecured. Therefore, the necessity of developing a holistic concept aimed at the formation, increase and use of financial resources, as well as the development of effective mechanisms for their management to ensure the development of the national economy, is now over. The sequence of forming the concept of management of financial resources, which determines the economic, organizational and legal principles of their formation, increase and use in order to ensure sustainable development of the country and solve social problems, is substantiated. The main directions of development and implementation of the concept are defined: estimation of volume of financial resources; monitoring their use, developing the appropriate motivational mechanism; which will stimulate the growth of financial resources; identifying and assessing the risks and threats that arise in the process of their formation and use, as well as developing tools aimed at minimizing these risks and threats in the country. 

competitiveness, market economy, sustainable development, management, financial relations, financial resources