Anthu aku America okwana 48 miliyoni akhoza kudumpha ngongole yolipira ngongole patchuthi

Anthu aku America aku 48 miliyoni akuti akadula ngongole ya kirediti kadi asanadutse tchuthi, malinga ndi kafukufuku watsopano wofalitsidwa lero.

Zotsatira Zofufuza:

• 19% ya anthu amatha kudumpha zolipirira khadi ya tchuthi patchuthi.

• 29% ya anthu amati kuyenda nthawi zambiri kumawabwereketsa ngongole.

• 32% ya anthu akuopa kuuluka chilimwechi chifukwa cha ndege za Boeing.

• Apaulendo ali ndi nkhawa zopitilira kawiri za nkhawa za ndalama kuposa uchigawenga.

• 46% ya anthu amaganiza za ngongole za pambuyo pa tchuthi ali kutchuthi.

• Ma kirediti kadi omwe salipira ndalama zakunja amapulumutsa apaulendo apadziko lonse avareji ya 9.3% poyerekeza ndi malo osungira ndege ndi 7.1% poyerekeza ndi mabanki akomweko.

Ndemanga ya Katswiri:

Kafukufuku: Miliyoni 48 Angadumphe Malipiro A Kirediti Kadi Pa Tchuthi

Pakhala chaka chatha, ndipo aku America amafunikira maulendo ena a chilimwe kuti asokoneze. Ingofunsani anthu 48 miliyoni omwe akunena kuti angakonde kulumpha ndalama zolipirira kirediti kadi kutchuthi, malinga ndi kafukufuku watsopano wa webusayiti yazachuma ya WalletHub. Ndiwo pafupifupi 1 ku 5 aku America omwe ali ofunitsitsa kugulitsa nthawi yachisomo pa kirediti kadi yawo ndikulipira chiwongola dzanja chokwanira kuti angochokako kwakanthawi. Funso ndilakuti, kodi izi zikuwonetsa kulingalira bwino kapena kusamala ndalama?

"Chabwino, tikudziwa kuchokera kufufuzidwe kuti tchuthi nthawi zambiri chimakhudza thupi ndi malingaliro - ndipo nthawi zambiri chimatha kutipangitsa kukhala opindulitsa tikabwerera kuofesi," a Simon Hudson, wapampando wampando wa zokopa alendo ndi chitukuko cha zachuma ku University waku South Carolina, atero. “Chifukwa chake kulipira khadi la ngongole mutatha tchuthi sikungatenge nthawi yayitali!”

Komabe, ndi bwino kupewa kudziika m'mavuto otere. Ndipo palidi njira zosangalalira ndi tchuthi popanda ngozi yazachuma. "Upangiri wanga ndikuchita chilichonse mosapitirira muyeso ndikupeza bwino," atero a Audrey Guskey, pulofesa wa zamalonda ku Yunivesite ya Duquense. “Tengani tchuthi. Pezani nthawi, koma sungani ngongoleyo popeza njira yotsika mtengo pazolinga zanu tchuthi. Khalani pafupi ndi kwanu. Pezani mahoteli otsika mtengo kapena Airbnb. Kuyenda maulendo ataliatali kwambiri. ” Pakhoza kukhala chifukwa chomveka chokhalira pafupi ndi kwawo chaka chino, nawonso.

Ngakhale kuti ndizopumulira, maulendo a chilimwe amalemetsabe malingaliro ndi zikwama za mamiliyoni aku America m'njira zosiyanasiyana. Timada nkhawa ndi chilichonse kuyambira nyengo mpaka ngati tikukwera ndege yatsopano ya Boeing. M'malo mwake, pafupifupi gawo limodzi mwa atatu mwa anthu amaopa kuuluka chilimwechi chifukwa cha zomwe Boeing adachita posachedwa.

"Mwachidziwikire izi zimayembekezeredwa. Komabe, apaulendo akuyenera kumvetsetsa kuti ndegezo sizikuwuluka, ndipo Boeing akuthetsa vutoli ndege izi zisanayambirenso kugwira ntchito, "atero a Abraham Pizam, wamkulu wa Rosen College of Hospitality Management ku University of Central Florida. "Akuluakulu aboma ku United States (FAA) ndi ena ofanana nawo ku Europe ndi mayiko ena alinso osamala kwambiri potsimikizira ndegezo zikasintha."

Nkhani zachuma ndizotheka kuyika chisangalalo pachisangalalo cha chilimwe. Ndipo izi zitha kuchitika mpaka kutchuthi, mukakhala kuti mulibe, kapena mukabwerera. Apaulendo ali ndi nkhawa zopitilira kawiri zodera nkhawa ndalama kuposa uchigawenga, kafukufuku wa WalletHub adapeza, ndipo 46% ya anthu amaganiza za ngongole za pambuyo pa tchuthi ali kutchuthi.

"Konzekerani tchuthi chomwe mungakwanitse, ndipo simuyenera kuda nkhawa za mtengo wake," atero a Thomas P. Sweeney, wothandizira pulofesa wa kasamalidwe ndi zokopa alendo ku Georgia Southern University. “Nthawi yanu ya tchuthi iyenera kukhala nthawi yopumula, yopatsanso nthawi, ndi yosangalala. Ngati mukuda nkhawa ndi ngongole zanu, mwina mwadzipezera ndalama zambiri. Musanakonzekere chilichonse, pangani bajeti ndi kutsatira ndalamazo. ”

Zomwe timagwiritsa ntchito patchuthi sizikhala patchuthi, pambuyo pake. Zitha kubwereranso kudzatizunza ngati sitisamala, ndipo ochepa aiwo tili. Ingofunsani pafupifupi m'modzi mwa anthu atatu omwe amati kuyenda kumawapangitsa kukhala ndi ngongole. Kapena, chabwino komabe, funsani zomwe akulakwitsa.

"Sanakonzekere," atero a Russ McCullough, wamkulu wa dipatimenti yazachuma ku Yunivesite ya Ottawa. “Musanapite kuulendo, khalani ndi mphindi zisanu kujambula ndalama zomwe mungawononge. Ngati mulibe ndalama, fufuzani njira zopezera ndalama musanapite. ”

Pali njira zambiri zopangira tchuthi kukhala zotsika mtengo, kuyambira kuzisandutsa malo ogona ndikupeza thandizo pang'ono panjira yanu yolipira. Mwachitsanzo, kufunsira mphotho yoyenera ya makhadi angakupatseni $ 500 kapena kupitilira kuyenda kwaulere. Ndipo kuchitapo kanthu tsopano kuti musunge pambuyo pake kudzakhala kopindulitsa.

“Mukamakonzekera bwino ndalama mukakhala ndi nkhawa zochepa zogwiritsa ntchito ndalamazo,” akulangiza motero Stephen Barth, pulofesa wa zamalamulo ochereza ku Yunivesite ya Houston.