Kuongororwa kwenyika kwemakore anopfuura 1 000 000, makore 19-34 na Experian anoona kuti mamireniyadhi ane chikwereti chakaderera pane zvizvarwa zvose. Pasinei neizvi, pane nzira dzakawanda iyo zviuru zvemakore uye vechidiki vakura vari kuita zvakanaka mune zvemari, uye nenzira dzakawanda ivo vari kuita zvinhu zvakasiyana nezvakaitwa nevabereki vavo kana vachiri kuita. Sezvo nezvimwe zvose pamusoro pezviuru zvemakore, teknolojia ndiyo inowanzo, neIndaneti, mapurogiramu nemamwe madivhidhiyo edijitori uye mapuratifomu iyo nzira yekutanga yekushandisa mari yavo.
Pakati pezvinhu zvakatorwa naWeatheran muongororo iyi aiva aya:
- Mireniyamu dzakapesana nemanzwiro pamusoro pemari yavo pachavo; ivo havana chokwadi asi vakamira kune tariro
- Nhamba inoshamisa inoshaya zivo pamusoro pekwereti - kana kuratidza kusafarira
- Vakawanda vave vane chikwereti chavo, chikwereti kana kubhadhara maitiro - zvakanaka kana zvisina kunaka - nezvikwereti zvikwereti
- Mireniyumu anoshandisa teknolojia uye anokurumidzira kuedza zvipiriso zvitsva - pachinzvimbo chekuvimbika kumasangano, marongerwo, kana makambani.
"Mireniyadhiya ari kuuya nemakore emari panguva yakasiyana chaizvo," akadaro Guy Abramo, Mutungamiri, Experian Consumer Services. "Vakagadzikana nehupfumi uye kufambira mberi kwekushandiswa kwekombiyuta. Somugumisiro, vakagadzira maonero akasiyana ekutarisa mari, vachishandisa chikwereti uye kuti vanotarisira sei mari dzekubhadharwa kuti dzibudiswe. "
Kufanana nezvimwe zvinhu zvakawanda zvekuti mireniyadhi vanoita zvakasiyana kubva kuvabereki vavo, kutarira kwavo kune chikwereti chavo uye zvikoro hachisi chimwe chinhu chavanoteerera zvakanyanya sekuda kwavanofanira.
Pfungwa nechokuita
Apo pavakabvunzwa kuti vaenzanise chikamu chekwereti chezera ravo, mamireniyari yakave nzira kubva pamusika. Kusanganisira chikwereti, mamireniyari akafungidzira kuti chikamu chekwereti chaive $ 26,610, asi chaizvoizvo $ 52,210. Zvinogona kufungidzirwa kuti dzakawanda zvechikwereti chakaitwa nemakumi ezviuru zvemakore chikwereti chevadzidzi, asi hachisi - chikwereti chekwereti chikwereti, kunyange chete ne2% (38% kusvika 36% yechikwereti).
Mari yechikwereti inotevera pa 28%, zvikwereti zvemusha pa20%, zvikwereti zvomunhu mumwechete pa17% uye "imwe" pa14%.
Kudyirwa kwemari
Mafoni emazana emireniyoni, iyo nzvimbo yehupenyu hwavo nehutungamiri hwehupenyu, vanoshandisa zvikwereti zvemari kakawanda pane kusapedza mari yavo pachavo. Nekavhareji ye-3 mapurogiramu pamashare avo, mikana vari kushandisa bhandi yebhangi, yakapiwa nedare ravo rezvemari, purogiramu yekuchengetedza yakadai se Digit.com, kana chirongwa chekubhadhara chakadai seVenmo.com. Mireniyadhi haaoni brick uye matope seye chete, kana kuti iyo yepamusoro, iyo inobva mabhengi - chaizvoizvo, ne 57% vachishandisa mapurogiramu emafaira, vakawanda vangangodaro vasina kutsika netsoka mubhangi munguva yezvinoyeuka.
Vamwe vanokweretesa, vakadai seProsper, Kukwereta Muti kana Kumusoro, vari kukwezva kune zviuru zvemakore nekuda kwezvikonzero zvizhinji, kusanganisira kushandiswa kwekushandisa, kupfupisa mapepa, nekukurumidza kupindura nguva.
Bhinda kutendeseka
Nezvokutendeseka kunopfuurira, kuongororwa kweAventan kwakaona kuti mamireniyari anosununguka kuchinja mabhengi, makadhi emakadhi, uye mamwe mabasa emari kana zvitsva uye zviri nani zviripo zviripo. Zvikonzero zvekutengesa zvinosanganisira zviri nani zvekuda mari (47%), zvirongwa zviri nani zvezvikwereti (43%), zviri nani kudzivirirwa kwekuzivikanwa (32%) uye hukuru hwebasa revanhu (35%).
Chikwereti chechikwereti
Kunzwisisa kuti kukwidziridzwa kwechikwereti kunoshanda sei uye chii chinokanganisa iyo apo mamireniyano vanoda imwe dzidzo uye ruzivo.
Maererano neongororo yeAventan, mazana emireniyoni akafunga kuti ane chivimbo chezivo yavo yechikwereti (71%), asi 32% havazivi chikwereti chavo, uye vazhinji - 67% - havana chokwadi zvachose kuti zvikwereti zvikwereti zvakasikwa sei. Mireniyadhi, zvisinei, vanoziva zvikuru kuti chikwereti chezvikoro zvavo chinogona kuvakanganisa sei - inenge 3 mu4 dzakagamuchira chikwereti chekuita chikwereti chekubhadhara chikwereti kana kushanda.
Kutsamwa kwevechiduku, asi kuvimba kunowedzera
Mireniyadhi vane shungu pamusoro pemari yavo, zvose iye zvino uye munguva yemberi. Kunyange zvazvo vachidaro, nokuda kwechikamu chikuru, vanofunga kuti vari kutarisira mari yavo zvakanaka zuva rimwe nerimwe, pane zvakawanda zvinonetsa pamusoro pekukwanisa kutsigira mhuri, kunze kwekurega basa, uye kunyatsodzivirirwa nemari nevabereki vavo .
Zvisinei, pasinei nekunetseka kwavo, tariro yavo yevechidiki inoita kuti vaise pfungwa dzavo pakuve vasina chikwereti - 83% yeAventan inotsvakurudza vakaongorora vakati iyi inangwa inogoneka, uye 71% vanofunga kuti vane chivimbo pamusoro pehupenyu hwavo hwemangwana.