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As income levels increase and travel opportunities become more accessible, the number of people planning this year goes to abroad for a trip. According to the survey conducted by the Swedbank Institute of Finance, according to the survey results, going on vacation in the near future, according to the results of the survey, according to survey results. or during another trip, this year, most or 60% of the inhabitants of Latvia have the intention to do so. 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 planning 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 the frivolous attitude of the payment. meeting deadlines, as well as a lack of accountability to a money lender or service provider. Often this kind of behavior can turn into serious financial problems and leave deep consequences, which at first are not at all encouraged by the inhabitants. Historical delays can make it more difficult or even deny service and borrowing in the most critical situations of life, highlighting the lack of discipline or the difficulty of managing the amount of existing expenditure, "says Evija Kropa, expert at the Swedbank Financial Institute.
According to the expert, going abroad on vacation, paying off debts at home and delaying payments, may prove to be a particularly traumatic decision for a personal budget, also because of the that travel costs continue to increase. It's no secret that, with a different routine, during the holidays, changes in the dynamics of spending should be expected.
This is also confirmed by the survey conducted – 71% of respondents admitted that their travel expenses usually increase, but 42% of the holidays were financially discouraged. And if that is not the case, returning to your daily routine after enjoying the restless relaxation can be much more painful if you come with a headache for what to start with a profuse gap.
The fact that most of the extra expenses incurred by people on leave are generally covered by their savings (77%) and are less likely to burden wages in subsequent months 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 existing payment backlogs is much more inevitable (55%) than among people with high financial discipline (39%).
"Loading current revenues to cover additional costs in an already difficult situation existing commitments, is the way to growing problems.Because of current payment delays and new monthly requirements, the debt may become more important, before or after, for example, from wages will no longer be possible.On the other hand, receive a loan in this situation is unlikely because the money lenders are closely monitoring the credit history of 39, a potential client.Although it may sometimes seem that traveling is a therapy needed to reduce stress in the fight against daily worries, in the long run this only increases the financial and emotional stress It would be wiser to think first about the possibilities of dealing with temporary problems and to leave the trip as a remunerated remuneration for daily financial management. ", suggests E. Kropa
. are related to excursions and various entertainment activities (56%), as well as meals in cafes and restaurants (54%). For occasional purchases (sweets, drinks, children's toys, etc.), 30% of vacationers spend less money on the purchase of clothing, shoes and sundries (22%), as well as more money. to spa and beauty products (11%). This article is for others!
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