Cov neeg siv khoom tau txiav rov qab rau hnub so khoom plig yuav khoom thaum muaj kev nce nqi ntau dua

Kev nce nqi yog hnyav hnyav rau hnub so rau xyoo no.

Kwv yees li ib nrab ntawm cov neeg yuav khoom yuav yuav khoom tsawg dua vim tus nqi siab dua, thiab ntau dua li ib feem peb tau hais tias lawv yuav tso siab rau daim coupon los txo tus nqi, raws li kev tshawb fawb tsis ntev los no ntawm ntau dua 1,000 tus neeg laus los ntawm RetailMeNot.

Txawm hais tias txoj kev tshawb nrhiav pom ntau tus neeg siv khoom kuj xav tau ib qho pib ntxov ntawm kev yuav khoom raws caij nyoog, qhov kev nce siab no feem ntau yog tsav los ntawm kev txhawj xeeb txog kev pheej yig thiab cov tswv yim txuag nyiaj, lwm cov ntawv ceeb toom qhia.

Tim Quinlan, tus kws tshaj lij nyiaj txiag laus ntawm Wells Fargo thiab tus kws sau ntawv ntawm nws daim ntawv tshaj tawm txog kev muag khoom hnub so 2022 hais tias "Kev nce nqi yog qhov teeb meem loj tshaj plaws rau tsev neeg xyoo no."

Ntxiv ntawm Nyiaj Txiag:
Kev xa rov qab dawb yuav sai sai no yog qhov dhau los
Cov neeg tsim khoom lag luam tau txais cov khoom siv thib ob
Cov kauj ruam no tuaj yeem pab koj daws qhov teeb meem credit card nuj nqis

Cov nyiaj txiag hauv tsev tau raug ntaus nrog tus nqi qis qis thiab poob nyiaj tiagQuinlan tau hais tias, uas tuaj yeem ua rau kev muag khoom qeeb qeeb, Quinlan tau hais.

Quinlan tau hais tias "Cov kab hauv qab yog, nrog kev nce nqi ntxiv rau qhov mob taub hau, nyiaj daus las tsis nce mus deb, thiab cov neeg siv khoom feem ntau tseem tab tom nrhiav kev sib tham," Quinlan tau hais.

Ib daim ntawv tshaj tawm cais los ntawm BlackFriday.com kuj pom tias 70% ntawm cov neeg yuav khoom yuav tau txais kev nce nqi hauv kev txiav txim siab thaum mus yuav khoom rau lub caij so, thiab ntau dua yuav nyob rau hauv kev saib rau kev sib tham.

Kwv yees li ntawm 25% ntawm cov neeg siv khoom tau hais tias lawv yuav xaiv cov khoom pheej yig dua lossis cov khoom plig siv tau ntau dua, xws li daim npav roj, raws li TransUnion daim ntawv tshawb fawb hnub so.

"Tib neeg tab tom sim ua lag luam thiab ua kom zoo tshaj qhov lawv muaj," said Cecilia Seiden, tus lwm thawj ntawm TransUnion lub khw muag khoom lag luam.

Tseem, cov tsev neeg yuav rho tawm $ 1,455, qhov nruab nrab, ntawm cov khoom plig hnub so, nyob rau hauv txoj kab nrog rau xyoo tas los, ib daim ntawv tshaj tawm txawv teb chaws los ntawm Deloitte pom. 

"Nco ntsoov tsis txhob tso koj tus kheej nyob rau hauv cov nuj nqis tshaj nyiaj so koobtsheej mus yuav khoom," ceeb toom Natalia Brown, tus thawj neeg ua hauj lwm cov neeg ua hauj lwm ntawm National Debt Relief. "Cov nuj nqis tiv thaiv tib neeg los ntawm kev ua tiav lawv cov hom phiaj nyiaj txiag - zoo li tsim cov peev txheej xwm txheej ceev, yuav tsev thiab txuag nyiaj laus."

Kev siv nyiaj so koobtsheej tuaj yeem tuaj ntawm tus nqi siab dua yog tias nws txhais tau hais tias tacking ntawm credit card ntxiv cov nuj nqis ib yam li cov Tsoom Fwv Teb Chaws Reserve nce cov paj laum kom qeeb kev nce nqi, Quinlan ntxiv. 

Qhov feem pua ​​​​ntawm ib xyoos yog tam sim no nyob ze 19%, qhov nruab nrab, siab txhua lub sijhawm, raws li Ted Rossman, tus kws tshaj lij kev lag luam loj ntawm CreditCards.com.

Qhov ntawd yuav ua rau cov neeg siv khoom tsis zoo tawm mus rau xyoo 2023, Quinlan piav qhia.

Nws tau hais tias "Ntau txoj hauv kev peb pom lub caij so khoom noj khoom haus xyoo no yog lub sijhawm kawg," nws hais.

Sau npe yuav CNBC hauv YouTube.