CHESTER, England - Njengoba sekusele izinsuku zokuthenga ezingaphezudlwana kwezingu-30 kuze kufike uKhisimusi kanye nosuku olulodwa kuphela lokukhokhelwa kwabaningi, ucwaningo olusha oluvela e-MoneySupermarket lubikezela ukuthi izindleko zemikhosi zizoba phezulu ku-£22 billion* lapho iBrits ikhipha isilinganiso esingu-£445 ngomuntu ngamunye kulo nyaka. Lokhu kwenyuke ngamaphesenti angu-1.8 enanini langonyaka odlule lika-£437 umuntu ngamunye, okumelela u-£1 bhiliyoni** owengeziwe ekusetshenzisweni kwakho konke.
Inhlolovo ibuze abantu abadala base-Bhrithani abangaphezu kuka-2,000 futhi okutholwe ukuthi imali izosetshenziswa kakhulu kwabaneminyaka engama-35-54 ubudala ngo-£491 umuntu ngamunye. Isamba siwela ku-£423 kulabo abaneminyaka engu-55 nangaphezulu kanye no-£415 kwabaneminyaka engu-18 kuya ku-34.
Labo abaseNyakatho neMpumalanga kulindeleke ukuthi basebenzise imali eningi ngesilinganiso sika-£595 umuntu ngamunye, kulandelwe abaseWales ngo-£531. Abathengi e-East Midlands balindele ukusebenzisa isilinganiso esincane esingu-£355 umuntu ngamunye.
Kodwa-ke, oyedwa kwabahlanu, (amaphesenti angu-19***) alindele ukuxhaswa ngezimali kukaKhisimusi ukuze abafake ezikweletini kulo nyaka, okukhuphukela koyedwa kwabane (amaphesenti angu-25) kulabo abaneminyaka engu-18 - 34 uma kuqhathaniswa namaphesenti angu-21 kwangu-35 - Abaneminyaka engu-54 namaphesenti angu-12 abangaphezulu kweminyaka engama-55. Kulabo abahlolisisiwe, amaphesenti ayi-15 kuphela amaBrits alindele umholo wabo kaDisemba ukuthi uhlanganise nezindleko zikaKhisimusi.
Phakathi kwalabo abahlela ukusebenzisa imali ngalo Khisimusi, abangamaphesenti angu-73 balindele ukusebenzisa ingxenye enkulu yesabelomali sabo sikaKhisimusi ngezipho, omama nobaba bahlela ukuhlukana no-£132 ingane ngayinye ngezipho zodwa.
Kubazali okwaxoxwa nabo, abangamaphesenti angu-67 baqaphe kakhulu mayelana nokuthi basebenzisani ngenxa yesimo sezimali samanje futhi cishe uhhafu (amaphesenti angu-47) bavumile ukuthi bazizwa bengaphansi kwengcindezi yokusebenzisa imali engaphezu kwalokho abakwazi ukuyikhokhela ezinganeni zabo. Nokho, ingxenye yesithathu (amaphesenti angu-34) ithe bazimisele ukusebenzisa noma yini edingekayo ukuze banikeze izingane zabo uKhisimusi ojabulisayo.
Lolu cwaningo luphinde lwabuza abazali ukuthi bahlele kanjani ukuhlela imali yezipho zezingane zabo kulo Khisimusi. Oyedwa kwabane (amaphesenti angu-24) uthe bazobeka isabelomali bangeqi. Bangaphezudlwana kwengxenye eyodwa kwezintathu (amaphesenti angu-35) abahlela ukuhlela isabelomali kodwa bangase badlule kuso, kuyilapho abangamaphesenti angama-27 babonise ukuthi ngeke basibeke isabelomali kodwa abazizwa ukuthi ukusebenzisa kwabo imali kuzoke kuphume esandleni. Lapho bebuzwa ukuthi lingakanani inani lemali abazali abangacabanga ukulisebenzisa kumuntu ngamunye isipho sengane yabo, u-£131 waphuma njengendawo yokugcina yokuthenga.
Bazimisele ukungalishiyi ilungu lomndeni eliyintandokazi yawo wonke umuntu, amaphesenti angu-32 ama-Brits ahlela ukuthengela isilwane sawo isipho kulo Khisimuzi, esebenzisa isilinganiso esingu-£7.85 ekuphatheni okwengeziwe kuka-Fido noma uFelix.
Ekugcineni khulula umcabango kwabesifazane kulesi sikhathi samaholide. Isitolo esikhulu sikaKhisimusi sisagcwele abantu besifazane kanye nomama, njengoba amaphesenti angu-13 kuphela amadoda athi angabathengi abakhulu bemizi yabo.
UClare Francis, uchwepheshe wezezimali kwaMoneySupermarket uthe: “Ukuthenga uKhisimusi kuyindlela esetshenziswa kakhulu abazali ikakhulukazi. Futhi njengoba sekusele usuku olulodwa kuphela lokuhola kubantu abaningi kuze kube uKhisimusi, kubalulekile ukuthatha izinyathelo manje zokuphatha izimali zakho kuze kube usuku olukhulu - nangale kwalokho.
“Ucwaningo lwakamuva olwenziwe ngabavakashi beMoneySupermarket bathole ukuthi bangama-37**** kuphela amaphesenti azoxhasa uKhisimusi kusetshenziswa imali etholakalayo kulo nyaka kanti i-34% ikhuthaza ukusebenzisa imali yabo. Ukusebenzisa ikhadi lesikweletu noma lesitolo bekuyindlela elandelayo edume kakhulu kweyodwa kwabayishumi.
“Ikhadi lesikweletu elinikeza ukuthenga ngaphandle kwenzalo lingaba inketho enhle kulabo abafuna ukuguquguquka kanye nendlela ephumelelayo yokusabalalisa izindleko zikaKhisimusi. Imikhiqizo ehamba phambili efana ne-Tesco Clubcard Credit Card inikela ngezinyanga eziyi-16 zenzalo uma uthenga. Nokho, noma ubani othatha le nketho kufanele aqinisekise ukuthi uyakwazi ukukhokha isikweletu onyakeni Omusha.
“Ikhadi lokubuyisela imali elifana ne-Barclaycard Cashback Credit Card noma i-American Express Platinum Cashback Card lingase libe yizinketho ezinhle kulabo abafuna ukuklonyeliswa ngemali yabo kaKhisimusi.
"Ekugcineni, ukusebenzisa amavawusha nokusesha ku-inthanethi amadili angcono kakhulu ezipho nezinye izinto nakho kuzosiza imali yakho iye phambili."
Ukusetshenziswa kwesifunda:
Imali Yesifunda
I-North East GBP595
I-Wales GBP531
I-Northern Ireland GBP525
I-North West GBP490
I-Scotland GBP465
Yorks & Humber GBP453
London GBP438
I-West Midlands GBP437
I-South East GBP414
INingizimu Ntshonalanga GBP406
EMpumalanga ye-England GBP392
I-East Midlands GBP355
Isilinganiso se-GBP445
Amanothi omhleli:
2012
*Kwengezwe ngokusekelwe kubantu abadala base-UK abayizigidi ezingu-49.9 - kuthathwe ku-ONS ngo-2012(49,969,000 x 445 = 22,236,205,000) £22.2billion.
**Ama-Brits okulindeleke ukuthi asebenzise ngaphezu kwe-£21 billion ngo-2011 - Lesi sibalo sisekelwe ocwaningweni oluthole ukuthi i-Brits ihlele ukusebenzisa u-£437 isiyonke kuzipho zabo zikaKhisimusi ngo-2011.
Isibalo sika-£437 siphindwe ngabangu-49,529,000 okuyinani eliphelele labantu base-UK abaneminyaka engu-18 noma ngaphezulu.
Izibalo zabantu zitholwe ku-ONS 2008 izibalo zabantu unyaka nonyaka zika-2011.
***Izinhlolovo ezintathu ezisetshenziswe ekukhishweni, zonke zenziwe yi-Opinium Research LLP ngesampula yabantu abadala abangu-2,000+ base-UK. Uhlolovo olwenziwe ngo-Nov 2011 kanye no-Nov 2012.
****I-webpoll ye-MoneySupermarket yango-2012
Uzokhokha kanjani izindleko zikaKhisimusi kulo nyaka?
Ngizocwilisa ekongeni - 23.8%
Ngizosebenzisa imali engiyitholayo - 37.4%
Ngizosebenzisa ikhadi lami lesikweletu/ikhadi lesitolo – 10.6%
Kuzodingeka ngisebenzise i-overdraft yami - 3.3%
Bengilondoloza unyaka wonke ngohlelo lokonga - 9.8%
Ngizoboleka imali kubangani kanye/noma umndeni – 1.7%
Angiqiniseki noma angazi - 4.8%
Angiwugubhi uKhisimusi – 8.7%
LOKHO ONGAKUTHATHE KULESI SIHLOKO:
- Phakathi kwalabo abahlela ukusebenzisa imali ngalo Khisimusi, abangamaphesenti angu-73 balindele ukusebenzisa ingxenye enkulu yesabelomali sabo sikaKhisimusi ngezipho, omama nobaba bahlela ukuhlukana no-£132 ingane ngayinye ngezipho zodwa.
- Just over a third (35 per cent) plan to set a budget but may go over it, while 27 per cent indicated they will not be setting a budget but don’t feel their spending ever gets out of hand.
- Of the parents surveyed, 67 per cent are very cautious about what they’re spending due to the current financial climate and almost half (47 per cent) agreed they feel under pressure to spend more than they can afford on their children.
