Introduction

Today the person-centred paradigm of globalisation processes is gaining in popularity, which represents a model focused on maximising the disclosure of each person's potential and society as a whole, creating decent conditions for the realisation of all intellectual, cultural, and creative possibilities of a person. A significant contribution to the study of the issues of financial security has been made by such Ukrainian and foreign scholars as: O. I. Baranovsky, M. Yu. Vorobyov, V. V. Voroshilo, O. O. Dragan, R. G. Snishchenko, L. Tvardovska, K. E. Dynen, A. Atkinson, J. Y. Campbell, A. Finney, D. Hayes. At the same time, it should be noted that despite in-depth investigation of the topic of financial security, mainly the strategy for managing the financial security of the state or enterprise is emphasised, whereby much less attention is paid to performing financial security management of households.

The policy of encouraging financial security management of households should take a prominent place in the state strategies of all countries, since under the current conditions the world economic system is characterised by a propensity for fundamental changes, which affects the well-being of households. However, it is impossible to create a reliable basis for people's living standards without their own participation. Therefore, the aim of the research is to define and develop a series of instruments for financial security management of households.

Working on issues such as personal financial security, investments and retirement savings will help to properly manage the personal capital of a household.