Uphando lweSizwe olungaphezu kwewaka-1 000 leminyaka, iminyaka eyi-19-34 yi-Experian ifumanisa ukuba iwaka leeminyaka linamazinga amanqaku aphantsi kakhulu kwiikredi. Nangona kunjalo, kukho iindlela ezininzi zokuba abantu abaneminyaka eyi-mill kunye nabaselula abakwenza kakuhle ngemali, kwaye iindlela ezininzi benza izinto ngokwahlukileyo kunokuba abazali babo benza okanye basenza. Njengaye yonke into malunga neminyaka eyiwaka, iteknoloji iyinto evamile, nge-intanethi, iinkonzo kunye nezinye izixhobo zedijithali kunye neeplani iindlela eziphambili zokulawula iimali zabo.
Phakathi kwezinye izinto ezifunyenwe ngu-Experian kuloluphando kwakuzi ngongoma:
- Izigidigidi ziye zaphikisana neemvakalelo zabo zemali; abaqinisekanga kodwa baxhomekeke ekubeni nethemba
- Inombolo emangalisayo ayinalo ulwazi malunga nekhredithi - okanye ingabonakali
- Uninzi lwaba netyala, ukubolekwa okanye ukuhlawula iindleko ezichaphazelayo - ngokuthe tye okanye ngokungafanelekanga - ngamanqaku esikweletu
- Ii-Millennials ziyamkela ubuchwepheshe kwaye zikhawuleza ukuzama iminikelo entsha-ngexabiso lokunyaniseka kumaziko, iimveliso okanye iinkampani.
"Iminyaka eyi-Millennials ifika ngokwexesha lemali ngexesha elikhetheke kakhulu," kusho u Guy Abramo, uMongameli, iiNkonzo zabasebenzisi be-Experian. "Baye bafumana ukukhula komnotho kunye nokuqhubela phambili kokuqhubela phambili kwezobuchwepheshe. Ngenxa yoko, baye bahlakulela imibono eyahlukileyo ekulawuleni imali, ngokusebenzisa i-credit kunye nendlela abafuna ukuba iinkonzo zezimali zihanjiswe ngayo. "
Njengazinye izinto ezininzi kangangokuba izigidi zeminyaka zenza ngokungafaniyo nabazali babo, ingqwalasela yabo kwinqanaba lekhredithi kwaye amanqaku ayinto into abayithobela ngayo ngokungakumbi njengoko kufuneka.
Ukuqonda kunye nemeko
Xa becelwa ukuba baqikelele ityala eliphakathi kweontanga zabo, iwaka leeminyaka zazivela kummandla. Kubandakanya imali yokuthenga imali, iwaka leminyaka iqikelele ukuba ityala eliphakathi liyi $ 26,610, kodwa ngokwenene i-$ 52,210. Kusenokucingwa ukuba ininzi yetyala eliqhutywe ngamashumi eminyaka liyimali-mboleko yomfundi, kodwa ayikho - ityala lekhadi lesikweletu, kodwa kuphela nge-2% (38% ukuya kuma-36% amatyala).
Imali-mboleko ngokuzenzekelayo ilandele i-28%, iimali-mboleko zasekhaya kwi-20%, iimali-mboleko ezizimele kwi-17% kunye "nezinye" kwi-14%.
Ulawulo lwemali
Ii-smartphones ze-Millennials, isikhulu sexesha labo kunye nokuphathwa kobomi, basebenzise iinkqubo zemali ngokuphindaphindiweyo kunokuba zikwazi ukulawula iimali zabo. Ngomyinge wee-3 zokusebenza kwiifowuni zazo, amathuba okusebenzisa i-bhanti lokusebenza, enikezelwa liziko lezemali, i-app yokulondoloza njenge-Digit.com, okanye insiza yokuhlawula njengeVenmo.com. Iminyaka eyi-Millennial ayiboni izitena kunye nomdaka nje kuphela, okanye nokuba yiprayimari, imvelaphi yebhanki-eqinisweni, nge-57% usebenzisa i-apps yeselula, ininzi mhlawumbi ayizange ihambe ngeebhanki kwimemori yakutshanje.
Abanye ababolekisi-mali, njenge-Prosper, Ukuboleka Umthi okanye i-Upstart, banomdla kwizigidi zeminyaka ngenxa yezizathu ezininzi, kubandakanywa nokukhululeka kokusetyenziswa, iphepha lokunciphisa, kunye nexesha lokuphendula ngokukhawuleza.
Ubuqotho bentengiso
Ngokuphathelele ukunyaniseka, uvavanyo lwe-Experian lufumene ukuba iwaka leeminyaka livulekile ukutshintsha ibhanki, amakhadi enkoleko kunye nezinye iinkonzo zemali xa kunikezelwa ngokutsha kunye nokulungelelanisa. Izizathu zokutshintsha zibandakanya amazinga enzala angcono (47%), iiprogram zembuyekezo ezingcono (43%), ukukhuselwa kwezazisi ezingcono (32%) kunye nenkonzo yamakhasimende aphezulu (35%).
Ulwaphulo lolwazi lokuthenga ngetyala
Ukuqonda indlela ukulinganiswa kwemali-mboleko kusebenza ngayo kwaye kuthintela ntoni apho iwaka leminyaka idinga imfundo emininzi nolwazi.
Ngokwe-survey ye-Experian, abaninzi abaneminyaka eyi-millenti baziva beqinisekile ngolwazi lwabo lwekhredithi (71%), kodwa i-32% ayayazi izikolo zabo zemali, kwaye uninzi - 67% - ayinakunyaniseka ngokupheleleyo ukuba izikolo zemali zenziwe njani. I-Millennials, nangona kunjalo, iyayiqonda indlela amaqaku abo ekhredithi angayichaphazela ngayo - malunga no-3 ukuya kwe-4 baye bafumana impembelelo yabo yesikweledu ngemali mboleko okanye isicelo sokuqeshisa.
Ingqumbo yolutsha, kodwa ithemba liyaqhubeka
Iwaka leeMillennials lixhala ngezimali zabo, ngoku kunye nakwixesha elizayo. Nangona kunjalo, ngenxa yeyona nto ininzi, banomuvo wokuba baphathe kakuhle imali yabo ngemihla ngemihla, kukho inkxalabo enkulu malunga nokukwazi ukuxhasa intsapho, ukugcina umhlalaphantsi, kunye nokuzimelela ngokwezezimali kubazali babo .
Nangona kunjalo, naphezu kweengxalaba zabo, ukuzethemba kwabo kwentsha kugcina kugxininise ekubeni bangenasityala-83% wabavoti be-Experian abaphendule bathi yinjongo efikelelekayo, kwaye i-71% iqinisekile ngekamva layo lezemali.