Ngakhale ikuwoneka kuti ndi nthawi yotanganidwa ya tchuthi chonse, pafupifupi awiri mwa atatu aliwonse achikulire omwe akukonzekera ulendo wochoka kwawo m'nyengo yozizira ino, malinga ndi kafukufuku waposachedwa, nkhawa zandalama zikupangitsa kuti anthu mamiliyoni ambiri omwe akufuna kukhala apaulendo asamavutike ndi Chaka Chatsopano.
Kuchokera pa 36% ya anthu omwe sakukonzekera kuyenda m'nyengo yozizira, WalletHub's 2018 Winter Travel Survey anapeza kuti pafupifupi kotala imodzi yokha samamva. Pafupifupi 6 mu 10 yozizira 2018 okhalamo akuti sangakwanitse kuyenda kapena amafunika kusunga ndalama m'malo mwake.
Izi zingawoneke zachilendo kwa ena, poganizira nkhani zonse za kukwera mtengo kwa msika, kutsika kwa chiwerengero cha anthu osowa ntchito, ndi mphamvu zonse zachuma. Kapena, zitha kukhala zomveka bwino, chifukwa sizobisika kuti kukwera kwachuma sikunabereke zipatso kwa aliyense. Mulimonsemo, pali zofotokozera zingapo zofunika zomwe mwina simunaganizirepo.
Chifukwa chimodzi, chaka cha 2018 chikuyembekezeka kukhala chaka chambiri chogulira tchuthi, pomwe ogula aku US azigwiritsa ntchito $ 717 biliyoni mpaka $ 1.1 thililiyoni, malinga ndi malipoti amakampani. Choncho pangakhale ndalama zochepa zotsalira za ulendo wa tchuthi. Izi zikuwoneka ngati zotheka kwambiri mukaganizira kuti ngongole ya kirediti kadi, yomwe ili kale pamarekodi, imakhala yokwera mtengo kwambiri ndikukwera kulikonse kwa Federal Reserve.
Chifukwa cha kukwera mitengo kwaposachedwapa, “U.S. ogula adzakhala akuwononga mabiliyoni a madola pa ndalama zowonjezera zomwe akanatha kuwonongera zinthu zina monga maulendo, "anatero Mark A. Bonn, mkulu wa pulogalamu yoyang'anira malo ochitirako maholide pa Florida State University. "Izi zimapangitsa kukhala kovuta kuyenda pano, osasiya ndalama za tchuthi zikatha."
Tsoka ilo, popeza ngongole ikadali yosavuta kupeza, anthu ambiri amawona ngongole ngati njira yosangalalira ndi maulendo a tchuthi. Malinga ndi kafukufukuyu, anthu 37 pa XNUMX alionse amati kuyenda n’koyenera kubwereka ngongole.
Chifukwa chake muyenera kuyembekezera kuti 16% ya anthu omwe akukonzekera kufunsira kirediti kadi yatsopano kuti apulumutse paulendo wachisanu akuchita izi ndi mphotho, osati ndalama, m'malingaliro. Komabe, zaka chikwi ndi nthawi 12 zochulukirapo kuposa zomwe ma boomers akhanda akukonzekera kugwiritsa ntchito. Nanga tiphunzilapo ciani pamenepa?
"Kufotokozera kumodzi komveka ndikwakuti anthu azaka chikwi ali ndi ndalama zocheperako poyerekeza ndi omwe amabereka ana, chifukwa millennials ndi achichepere," adatero Irina A. Telyukova, wachiwiri kwa purezidenti wa analytics ku Mulligan Funding. "Chifukwa chake, ali kale pantchito yawo komanso moyo wawo."
Koma sikuti zaka zikwizikwi zasweka ndikuyang'ana kubwereka pazifukwa zolakwika, akatswiri ena akutero. Zakachikwi zitha kukhala zotsogola, m'lingaliro lakuti kubweza ngongole yabwino komanso kugwiritsa ntchito ndalama moyenera kungakupangitseni kuchita ma kirediti kadi ndi mabonasi olembetsa a $500+ masiku ano.
"Zaka zikwizikwi ndizodziwika bwino pankhani yoyenda pa bajeti," atero a Nizar Hussein, mlangizi mu dipatimenti yotsatsa ndi kuchereza alendo ku Central Michigan University. “Amapezerapo mwayi pamapulogalamu olipidwa ndi makampani a kirediti kadi ndikutsegula maakaunti atsopano a kirediti kadi kuti alandire mapointi. Ambiri akuphunzira phindu la malipiro ngati alipira makhadi a ngongole panthaŵi yake.”
Pomaliza, muyenera kudabwa ngati anthu omwe amasankha kusayenda patchuthi akutiposa tonsefe - osachepera pazachuma. Kafukufukuyu adapeza kuti anthu opitilira 90% amakhulupirira kuti ndege zimalanda ogula patchuthi. Mwamwayi, pali njira zambiri zopulumutsira paulendo, kuchokera ku mphotho ya kirediti kadi kupita ku zidziwitso zamitengo. Mukungoyenera kupanga mapulani ndikukhala ndi mwayi kuti mupeze zotsatira zabwino.
"Ogula pa intaneti anzeru amakhazikitsa zidziwitso zamafoni anzeru kuti apeze ndikusankha mitengo yotsika kwambiri - pasadakhale mitengo yapamwamba kwambiri (pamene tchuthi likuyandikira)," adatero Frederick J. DeMicco, pulofesa woyendera hotelo ndi kasamalidwe kaumoyo ku Colorado State. Yunivesite.
