Psychological phenomena associated with money have a diverse structure, forms and dynamics. In everyday psychology they are reflected in proverbs and sayings, anecdotes and parables. Systematic observation of monetary relations allows us to formulate patterns identified during the observation process. We will call them effects. The Wikipedia article “Psychology of Money” highlights several monetary psychological effects: Money illusion is the tendency of a person to perceive a nominal rather than a real amount of money, that is, not to adjust for inflation (Shafir, E., 1997; Fehr E. ., 2001).Monetary conservatism is resistance to any monetary reforms, even if they are useful. An example is resistance to the introduction of a one-dollar coin in the United States (Caskey JP, 1994). Monetary taboos are cultural restrictions on monetary exchange, even if such exchange is desirable from an economic point of view. For example, in some cultures it is not customary to pay for sex or give money to parents and grandparents. Money conversion - mentioning money or using it as part of a psychological experiment (for example, reading phrases about money out loud or silently) has a significant impact on behavior and subjects' goals. When making decisions, subjects begin to focus on their own opinion, that is, they strive for self-sufficiency (Vohs K., 2006; Bargh, JA, 2001). In turn, we identified several more psychological effects associated with money and acting in the form of stable patterns. The effect of silence. It is not customary to talk about money. An undoubted difficulty associated with studying individual characteristics of attitudes towards money is the “closed nature” of this topic. The place of money and people’s attention to it in Russian psychology is often underestimated, money topics are missed, hushed up, considered profane and indecent for discussion, and are crowded out. This is one of the phenomena, in our opinion, very important. As the British say, “Any conversation is a conversation about money,” but this topic is subtextual, they don’t talk about money out loud. In some cultures it is not customary to talk about money. As Russian researchers note, “survey participants consider topics such as... the size and source of income (67.7%), money savings (73.2%), adultery ( 77.6%) and sexual relations (78.5%)" (Myagkov A. Yu., 2002, p. 111). A.B. also draws attention to this. Fenko: “Confirmation of the affective charge of the topic of money for respondents was the distrustful attitude of many of them towards the survey procedure itself. Thus, in one of the groups where the respondents were school teachers, 58% refused to fill out the questionnaire, considering the questions “indecent” (Fenko A.B., 2004, p. 38). The effect of money tension. Another phenomenon related to money and arising from the previous one is the emotional intensity of people’s attitudes towards money and about money. Money is accompanied by love and hatred, envy and sacrifice, people experience different, but, as a rule, strong feelings, which characterizes this area as emotionally contaminated, contrasting or ambivalent in relations to money. The flip side of this effect is the phenomenon of attributing increased monetary value. A clear example can be found in Max Singer’s article “The Viability of Mythical Numbers” (2005), in which the author shows that the real damage from property crimes of drug addicts in New York is overestimated by about 10 times, but at the same time the “mythical” number is stable in people’s minds and is constantly used in official sources. It seems to us that compensation for emotional stress occurs due to the inflated – in monetary terms – cost of the phenomenon or its consequences. The effect of the illusion of the materiality of money. Traditionally, money is classified as a material sphere, the need for money is consideredmaterial need and the value of money - material value. In our works, we have repeatedly drawn attention (Semenov M.Yu., 2004; Semenov M.Yu., Matsnev Yu.V., 2005) that money does not relate exclusively to material things, but, being a social-conventional means, can be used to satisfy most needs, including social and spiritual. However, the shift in the position of money in the social views of scientists towards the material continues. This state of affairs can be explained by the fact that typical material needs are easily satisfied for money, and social or self-actualization needs, firstly, are more diverse and, secondly, in addition to impersonal money, they involve the use of personal resources. The effect of monetary profanation. The use of money in exchange and other types of human interaction shows a quantitative assessment of these actions, which turns human interaction from sacred, unusual into profane, ordinary. Such a transformation is experienced as vulgarization and is assessed negatively by people. Therefore, relatives prefer to provide services to each other for free or by barter. The effect of different money. Although people use the same word “money”, the meanings can be different, just as money itself is different: money in general (as a function), cash and non-cash, coins and bills, rubles and dollars, money on deposit or on a credit card. Different money means different relationships, different people have different attitudes towards the same type of money. In a psychosemantic study using a private semantic differential conducted by A.A. Kapustin in Yaroslavl (People and Money, 1999), recorded multiple attitudes towards various monetary forms (rubles, dollars) and monetary concepts (money and ideal money). Thus, real money is characterized as evil, immoral, invisible, and ideal money is characterized as clean, reliable, kind, easy, moral, generous, respected. Therefore, studies usually indicate what type of money they are talking about, and when comparing studies it is necessary to pay attention to this point. The effect of the size of money. A change in the amount of funds also implies a change in the rules for handling them. They don’t raise small change (Semyonov M.Yu., 2010), but they try to hide large sums. It is obvious that on the continuum of the amount of money there are certain thresholds, after which a change in attitude towards money occurs. For example, the threshold of one hundred dollars or a million is known in the USA. The effect of borrowing. Usually, borrowing money is morally condemned and lending is morally approved, and in the form of gratuitous financial assistance. Social norms and stereotypes of financial behavior of citizens in Russia do not give a clear answer to the question: whether to borrow money or not. Lending and credit have been a constantly discussed topic over the past few years: first as a source of development of consumer demand and a new sphere of monetary relations for Russians, and then as a source of stress and new forms of behavior when financial debt arises. The effect of individual economic behavior. Money behavior, its forms and its motivation vary significantly at the macro, meso and micro levels. Economics and sociology are actively exploring this topic, but mainly at the macro level, at the level of social communities. Individual economic behavior turned out to be significantly different from the behavior of groups and organizations (see, for example, Parkinson S.N., 2001); research in this area is currently being actively carried out both within the framework of behavioral economics and within the framework of economic psychology. The effect of monetary arithmetic. Formally, logical mathematical operations (addition, subtraction, division, etc.) with abstract numbers and with money have different rules and regulations. We called such operations with money “monetary arithmetic.” The experience of consumers and sellers demonstrates quite a lot of examples of this kind. We will consider this effect in detail below. The effect of preferential. 252-256.