Jose Luis Pelaez Inc | DigitalVision | Cov duab Getty
Muaj lub caij nyoog tsim nyog koj tsis muaj kev tuav zoo npaum li cas koj cov npe yuav raug nqi tiag tiag rau koj.
Cov neeg siv khoom 'offhand kwv yees ntawm ntau npaum li cas lawv siv txhua hli ntawm kev tso npe yog $ 86, raws li a daim ntawv ntsuam xyuas commissioned los ntawm kev lag luam tshawb fawb tuam txhab C + R Research. Txawm li cas los xij thaum nug txog kev tso npe hauv ib pawg tshwj xeeb, tus nqi tiag tiag yog $ 219 ntawm qhov nruab nrab - $ 133 ntau dua li kev kwv yees.
"Nws yog txoj kab nqes qis nrog kev tso npe vim tias nws tsuas yog tshwm sim thiab koj tsis nquag ua qhov kev yuav khoom txhua lub hlis," said Douglas Boneparth, tus thawj tswj hwm ntawm Bone Fide Wealth hauv New York.
Nrog rau kev tawg ntawm cov kev pab cuam subscription nyob rau hauv kaum xyoo dhau los, kev taug qab ntawm lawv txhua tus tuaj yeem nyuaj. Rau kev tshaj tawm thiab kev lom zem xwb, qhov nruab nrab ntawm cov nyiaj them rau ib tus neeg siv khoom yog 12 xyoo 2020, raws li Statista. Millennials muaj ntau tshaj: 17.
Ntxiv ntawm Nyiaj Txiag:
25% ntawm cov neeg Amelikas ncua sijhawm so haujlwm vim kev nce nqi
Nov yog yam koj yuav tsum paub txog kev qiv nyiaj rov qab
Thawj kauj ruam nyiaj txiag ua tom qab poob tus txij nkawm
Vim tias cov ntawv sau npe feem ntau tau them rau ntawm daim debit lossis credit card, nws yooj yim dua rau cov neeg siv tsis pom tus nqi. Cov neeg feem coob (86%) muaj tsawg kawg yog qee qhov, yog tias tsis yog tag nrho, ntawm lawv cov npe ntawm autopay, daim ntawv ntsuam xyuas pom.
Thiab 42% tau hais tias lawv tsis nco qab lawv tseem raug them rau qhov kev tso npe lawv tsis siv lawm.
Kathryn Hauer, CFP nrog Wilson David Investment Advisors hauv Aiken, South Carolina tau hais tias "Nws yog tus neeg tsawg tsawg uas tsis muaj tsawg kawg ib qho kev dag ntxias uas lawv tsis nco qab txog,"
Ze li ntawm ib feem peb (30%) ntawm cov kev tshawb fawb rau C + R txoj kev tshawb fawb underestimated lawv cov nqi subscription los ntawm $100 txog $199. Lwm 24% tau tawm los ntawm $ 200 lossis ntau dua.
Rau txhua tus neeg uas xav kom tau txais txiaj ntsig zoo dua ntawm lawv siv nyiaj ntau npaum li cas thiab ntawm dab tsi, nws tsim nyog xav txog ib qho app xws li Truebill lossis Mint uas tso cai rau koj taug qab koj cov npe. Ntau lub tsev txhab nyiaj lossis cov tuam txhab credit card kuj tso cai rau koj pom koj cov nqi rov ua dua tag nrho hauv ib qho chaw los ntawm koj tus account.
Ua kom ze dua ntawm koj cov npe yuav tuaj yeem pab koj cov peev nyiaj zoo dua yog li koj tsis siv nyiaj ntau.
Boneparth tau hais tias "Nws yeej los rau hauv lub koom haum," "Qhov ntau koj nyob ib ncig ntawm cov nyiaj ntsuab, koj tuaj yeem txheeb xyuas qhov koj xav tau lossis tsis xav siv koj cov nyiaj."
Kev tshawb fawb rau txoj kev tshawb fawb tau ua nyob rau lub Plaub Hlis lig thiab lub Tsib Hlis thaum ntxov ntawm 1,000 tus neeg siv khoom.
Tau qhov twg los: https://www.cnbc.com/2022/06/02/consumers-spend-133-more-monthly-on-subscriptions-than-they-realize.html