通貨膨脹率可能已經(jīng)從去年夏天令人暈眩的高位回落,但這并不意味著物價在下降。物價只是不再像以前那樣快速攀升。
雖然許多美國人可能會在購買食品雜貨上削減一些預(yù)算,或者推遲購買昂貴的汽車來控制預(yù)算,但要調(diào)整住房、水電和保險等月度開支則要困難得多。
遺憾的是,這些成本也在上升。Doxo發(fā)布的《2023年美國賬單支付市場規(guī)模和類別分組報告》顯示,在10項最常見的月度家庭支出中,包括住房、公用事業(yè)費、汽車貸款、有線電視費、網(wǎng)絡(luò)費、手機服務(wù)費、安保和保險費用,去年的成本平均上漲了近4%。
根據(jù)賬單支付服務(wù)提供商Doxo的數(shù)據(jù),總體而言,美國家庭每年的總支出約為3.87萬億美元,其中3.22萬億美元支出屬于10種基本開支支付類別,占美國消費者月度經(jīng)常性支出的近四分之三。
Doxo發(fā)現(xiàn),細(xì)分來看,普通美國家庭每年在基本的家庭開支上的總支出為29459美元。2021年美國家庭實際收入中位數(shù)達(dá)到70784美元(檔案中的最新數(shù)據(jù)),這意味著美國人正用約42%的工資來支付生活必需品開支。
住房仍然是許多家庭每月最大的開支。根據(jù)Doxo的分析,美國人平均每年在抵押貸款上的支出為6341美元,每年在房租上的支出為4716美元。這一分析是基于美國全境97%的消費者的實際賬單進行的。當(dāng)然,支付房租的消費者通常不會同時支付抵押貸款,因此大多數(shù)家庭只需專注于支付這些大額支出中的一項。
實際上,人壽保險和公用事業(yè)費的月度成本同比增幅最大。人壽保險費用同比上漲了約9%,而包括包括電費、煤氣費、水費和污水處理費以及垃圾回收費在內(nèi)的公用事業(yè)費同比上漲8%。
雖然一些月度支出比較穩(wěn)定——一些州的公用事業(yè)費受到更嚴(yán)格的監(jiān)管,許多美國人有固定利率的抵押貸款——但租金和汽車支出方面的變化更大。因此,雖然總體支出沒有大幅增長,但也無法保證它們未來會保持穩(wěn)定。
對于許多美國人來說,這意味著要密切關(guān)注賬單,以確保自己能夠發(fā)現(xiàn)并理解利率的增長或變化。當(dāng)這種情況發(fā)生時,許多專家建議盡可能通過打電話給提供商來嘗試協(xié)商降低費用。此外,如果你有穩(wěn)定收入,并密切管理財務(wù),那么如果你設(shè)置了自動付款,一些提供商還會提供折扣,這可能更方便。(財富中文網(wǎng))
譯者:中慧言-王芳
通貨膨脹率可能已經(jīng)從去年夏天令人暈眩的高位回落,但這并不意味著物價在下降。物價只是不再像以前那樣快速攀升。
雖然許多美國人可能會在購買食品雜貨上削減一些預(yù)算,或者推遲購買昂貴的汽車來控制預(yù)算,但要調(diào)整住房、水電和保險等月度開支則要困難得多。
遺憾的是,這些成本也在上升。Doxo發(fā)布的《2023年美國賬單支付市場規(guī)模和類別分組報告》顯示,在10項最常見的月度家庭支出中,包括住房、公用事業(yè)費、汽車貸款、有線電視費、網(wǎng)絡(luò)費、手機服務(wù)費、安保和保險費用,去年的成本平均上漲了近4%。
根據(jù)賬單支付服務(wù)提供商Doxo的數(shù)據(jù),總體而言,美國家庭每年的總支出約為3.87萬億美元,其中3.22萬億美元支出屬于10種基本開支支付類別,占美國消費者月度經(jīng)常性支出的近四分之三。
Doxo發(fā)現(xiàn),細(xì)分來看,普通美國家庭每年在基本的家庭開支上的總支出為29459美元。2021年美國家庭實際收入中位數(shù)達(dá)到70784美元(檔案中的最新數(shù)據(jù)),這意味著美國人正用約42%的工資來支付生活必需品開支。
住房仍然是許多家庭每月最大的開支。根據(jù)Doxo的分析,美國人平均每年在抵押貸款上的支出為6341美元,每年在房租上的支出為4716美元。這一分析是基于美國全境97%的消費者的實際賬單進行的。當(dāng)然,支付房租的消費者通常不會同時支付抵押貸款,因此大多數(shù)家庭只需專注于支付這些大額支出中的一項。
實際上,人壽保險和公用事業(yè)費的月度成本同比增幅最大。人壽保險費用同比上漲了約9%,而包括包括電費、煤氣費、水費和污水處理費以及垃圾回收費在內(nèi)的公用事業(yè)費同比上漲8%。
雖然一些月度支出比較穩(wěn)定——一些州的公用事業(yè)費受到更嚴(yán)格的監(jiān)管,許多美國人有固定利率的抵押貸款——但租金和汽車支出方面的變化更大。因此,雖然總體支出沒有大幅增長,但也無法保證它們未來會保持穩(wěn)定。
對于許多美國人來說,這意味著要密切關(guān)注賬單,以確保自己能夠發(fā)現(xiàn)并理解利率的增長或變化。當(dāng)這種情況發(fā)生時,許多專家建議盡可能通過打電話給提供商來嘗試協(xié)商降低費用。此外,如果你有穩(wěn)定收入,并密切管理財務(wù),那么如果你設(shè)置了自動付款,一些提供商還會提供折扣,這可能更方便。(財富中文網(wǎng))
譯者:中慧言-王芳
Americans are getting hit with rising costs from all sides.
ANDRESR/GETTY IMAGES
Inflation rates may be down from the dizzying heights seen last summer, but that doesn’t mean prices are falling. They’re just no longer climbing as quickly.
And while many Americans may be able to trim their budgets a bit when it comes to the types of groceries they buy or put off expensive car purchases to keep their budgets in check, it’s much more difficult to adjust monthly expenses like housing, utilities, and insurance.
Unfortunately, those costs are going up, too. Across the 10 most common monthly household bills—including housing, utilities, auto loans, cable, internet, cell service, security, and insurance expenses—costs rose an average of nearly 4% last year, according to?Doxo’s 2023 U.S. Bill Pay Market Size and Category Breakout Report.
Overall, U.S. households spend about $3.87 trillion per year on bills—$3.22 trillion of which falls within the 10 essential bill payment categories that makes up nearly three-quarters of all U.S. consumer spending on recurring monthly expenses, according to Doxo, a bill pay service provider.
Breaking it down, the average U.S. household spends $29,459 per year on all household bills, Doxo finds. Real?median U.S. household income hit $70,784 in 2021 (the latest data on file), which means Americans are using about 42% of their paychecks just to cover the essentials.
Housing continues to be the biggest monthly expense for many families. Americans spend an average $6,341 on mortgage payments per year and $4,716 annually on rent, according to Doxo’s analysis that is based on actual bill payments from consumers located across 97% of U.S. zip codes. Of course, consumers who pay rent typically are not also paying a mortgage, so most households have to focus on paying only one of these big-ticket expenses.
It was actually the monthly cost of life insurance and utilities that saw the biggest year-over-year percentage increases. Life insurance costs jumped by about 9%, while utility bills—which include electric, gas, water and sewer, and waste and recycling fees—rose 8% year over year.
While some monthly costs are more stable—utility fees are more regulated in some states, and many Americans have fixed-rate mortgages—rent and auto expenses are more variable. So while expenses didn’t overall jump dramatically, there’s no guarantee that they will remain steady.
For many Americans, that means keeping a close eye on their bills to ensure that they catch and understand rate increases or changes. And when those do happen, many experts recommend trying to negotiate down cost increases when possible by calling the provider. Additionally, some providers will offer discounts if you automate payments, which can come in handy if you have a steady income and manage your finances closely.