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Photo: Reuters / Scanpix / LETA
According to the results of the survey, to spend a holiday on a short or long trip, this year, most or 60% of Latvia's residents have planned. Compared to last year, the number of travelers remained largely or unchanged, but the increase in activity and the optimism of residents are reflected in the choice of the destination recreational travel. This year, the proportion of the population intending to travel abroad has increased by 4%, while the proportion of Latvian travelers has decreased by 5% and is only 16% . It is true that the increase in the number of travelers abroad does not indicate the financial possibilities offered to holidaymakers, because one in five travelers takes an active debt in the luggage
"The planning from a trip abroad clearly indicates a frivolous attitude. Historical deadlines and lack of accountability to a money lender or service provider Often, such behavior can prove to be a serious financial problem and leave much more distant consequences, which do not are not initially planned by citizens. the most critical in life situations, because it indicates a lack of discipline or difficulties to cope with the amount of already existing expenses, "says Evija Kropa, expert of the Financial Institute of Swedbank.
According to the expert, the visit Spending his holidays abroad, leaving his debts and his late payments can prove to be a particularly traumatic decision for a personal budget, also because the expenses Personal travel continues to increase while traveling.It is no secret that, with a different daily routine, during the holidays, changes in the dynamics of spending should be widely expected.This is confirmed by a survey conducted – 71% of respondents agreed that their travel expenses usually increase, but 42% felt financially bitter after going on vacation, and if not, returning to everyday life after resting at rest can be much more serious if there is a headache in what will be funded by a deep moat.
The fact that most additional expenses savings (77%) and less likely to burden next month's salary or expected additional income (16%). However, more troubling trends are observed among latecomers (30%) than among residents who have no corresponding difficulty (12%), expect a salary for the following month and a fifth of Payers (20%) plan to borrow it because there is simply no accumulation of savings. As a result, repentance of spending among latecomers is much more inevitable (55%) than that of people with high financial discipline (39%).
"Loading current revenues to cover additional costs in a situation where difficulties are already encountered Due to current payment delays and new monthly requirements, the debt may become more and more important, before or after, for example, from wages will no longer be possible, in return, a loan in this situation is unlikely. Lenders closely monitor the credit history of a potential client Although it may sometimes seem like the trip is an acute need for therapy to reduce stress in the fight against daily worries, it only makes a difference. Increase financial and emotional stresses. It is worth noting that, in addition to airfare and accommodation, the largest travel expenses in Latvia are related to excursions and various entertainment activities (56% of travel costs), as well as in cafes and restaurants (54%). For occasional purchases (sweets, drinks, children's toys, etc.), 30% of vacationers spend less on the purchase of clothing, shoes and sundries (22%), as well as SPA and beauty products (11%). %). Swedbank Financial Institution survey on the financial discipline of Latvian citizens in travel planning conducted in cooperation with Snapshots in May 2018. In this survey, 700 Latvian residents aged between 18 and 74 were interviewed with the help of the Internet survey.
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