Ucwaningo lukazwelonke lweminyaka engaphezu kwengu-1 000 leminyaka, oneminyaka engu-19-34 yi-Experian ithola ukuthi izinkulungwane zeminyaka zinezikweletu eziphansi kunazo zonke zezizukulwane. Naphezu kwalokhu, kunezindlela eziningi abantu abaneminyaka eyikhulu leminyaka kanye nabantu abadala abenza kahle ngokwezezimali, futhi ngezindlela eziningi benza izinto ngokuhlukile kunokuba abazali bazo benza noma besenza. Njengakho konke okunye mayelana neminyaka eyizinkulungwane, ubuchwepheshe buyinto evamile, nge-inthanethi, izinhlelo zokusebenza namanye amadivayisi digital kanye namapulatifomu indlela eyinhloko abaphatha ngayo imali yabo.
Phakathi kwezinye izinto ezitholwa yi-Experian kulolu cwaningo kwakukhona amaphuzu:
- Izinkulungwane zeminyaka ziye zaphikisana nemali yazo; aziqiniseki kodwa zithembele ekuhloleni
- Inombolo emangazayo ayinalo ulwazi ngekhredithi - noma ikhombisa ukunganakwa kwayo
- Iningi liye laba nemiphumela yokukhwabanisa ngesikweletu, ukubolekiswa noma yokuqashisa - ngendlela enhle noma engafanele - ngamanqaku esikweletu
- Izinkulungwane zeminyaka zamukela ubuchwepheshe futhi ziyashesha ukuzama iminikelo emisha - ngenxa yokuthembeka ezikhungweni, emakethe noma ezinkampanini.
"Izinkulungwane zeminyaka ziza esikhathini semali ngesikhathi esiyingqayizivele," kusho uGuy Abramo, uMongameli, Experian Consumer Services. "Baye babhekana nokuhlukumezeka komnotho kanye nokuthuthukiswa kokuqhuma kobuchwepheshe bomuntu siqu. Ngenxa yalokho, baye bahlakulela imibono ehlukene ekuqondeni imali, besebenzisa isikweletu nokuthi balindela kanjani ukuthi izinsizakalo zezezimali zihanjiswe. "
Njengezinye izinto eziningi ezenziwa yizinkulungwane zeminyaka ezihlukile kubazali bazo, ukunakwa kwabo esikhwameni sabo sesikweletu kanye nezibalo akuyona into abayibheka ngayo ngokucophelela njengokungathi kufanele.
I-Perception vs. impela
Lapho ebuzwa ukuba balinganise isikweletu sontanga lwabo ontanga, izinkulungwane zeminyaka zazihamba ngendlela. Kubandakanya imali yokuthenga impahla, izigidi zeminyaka zaziqagela ukuthi isikweletu esiphezulu sasiyizigidi ezingu-26,610, kodwa empeleni i-$ 52,210. Kungase kucatshangwe ukuthi iningi lesikweletu esithathwa yizinkulungwane zeminyaka yizikhwama zomfundi, kodwa akusiyo-isikweletu samakhadi esikweletu, kodwa kuphela ngo-2% (38% kuya ku-36% wezikweletu).
Ukubolekisa ngokuzenzakalela kulandela u-28%, ukubolekwa kwemali ku-20%, ukubolekwa komuntu siqu ku-17% kanye "nokunye" ku-14%.
Ukuphathwa kwezezimali
Ama-smartphones e-Millennials, isikhungo sesikhathi sabo nokuphathwa kokuphila, basebenzisa izinhlelo zokusebenza zezezimali kaningi kunokuba bangaphathi izimali zabo siqu. Ngesilinganiso sezinhlelo zokusebenza ezingu-3 kumafoni wabo, amathuba okusebenzisa uhlelo lokusebenza lwebhange, olunikezwe isikhungo sabo sezimali, uhlelo lokusebenza lokulondoloza njenge-Digit.com, noma uhlelo lokukhokha olufana ne-Venmo.com. Iminyaka eyizinkulungwane ayiboni izitini nomdanso njengezodwa, noma imithombo eyinhloko yebhange - eqinisweni, nge 57% esebenzisa izinhlelo zokusebenza zeselula, iningi cishe alizange lihambe ebhange kumemori yakamuva.
Abathengisi abangezinye, njenge-Prosper, Isikweletu Sokuvulwa noma Isiqephu Esiphezulu, bathandeka ezinkulungwaneni zeminyaka ngezizathu eziningi, kufaka phakathi ukulula ukusebenzisa, ukunciphisa amaphepha kanye nokuphendula ngokushesha.
Ubuqotho beBrithani
Ngokuqondene nobuqotho, ucwaningo lwama-Experian lubuthole ukuthi izinkulungwane zeminyaka zivulekile ukushintsha amabhange, amakhadi esikweletu, nezinye izinsizakalo zezezimali lapho kutholakala izinhlinzeko ezintsha nezincono. Izizathu zokushintshwa zifaka amanani entengo engcono (47%), izinhlelo zokuvuza okungcono (43%), ukuvikelwa okungcono kokuzimela (32%) kanye nenkonzo yamakhasimende aphezulu (35%).
Ukwehluleka kokwaziswa kwekhredithi
Ukuqonda ukuthi izilinganiso zesikweletu zisebenza kanjani nokuthi zithinta kuphi lapho kunezinkulungwane zeminyaka zidinga imfundo ephakeme nolwazi.
Ngokwenhlolovo ye-Experian, iningi leminyaka leminyaka lizizwa liqiniseka ngolwazi lwabo lwekhredithi (71%), kodwa 32% abazi izikolo zabo zemali esikweletu, futhi iningi - 67% - aliqiniseki ngokuphelele ukuthi izikweletu zenziwa kanjani. Kodwa-ke, izinkulungwane zeminyaka ziyazi ukuthi izikolo zabo zezikweletu zingabachaphazela kanjani - cishe abayisithathu kwabayisine baye banomthelela ekutheni isilinganiso sabo sesikweletu sithinte kanjani isicelo sokuboleka noma sokuqashisa.
I-youngst angst, kodwa ithemba likhona
Izinkulungwane zeminyaka ziyesaba ngemali yazo, kokubili njengamanje nangesikhathi esizayo. Nakuba benza, ikakhulukazi, bazizwa bephethe kahle imali yabo ngosuku nosuku, kunokukhathazeka okukhulu ngokukwazi ukusekela umndeni, ukugcina umhlalaphansi, nokuzimela ngokwezimali kwabazali babo .
Kodwa-ke, naphezu kokukhathazeka kwabo, ithemba labo elisencane libenza bagxilise ekukhokheleni izikweletu - ama-83% we-Experian aphendule abaphendulayo athi kuyinjongo efinyelelekayo, kanti abangu-71% bazizwa beqiniseka ngekusasa labo lwezezimali.