Hi!

Schaut so aus als wären die US-Amerikaner nicht mehr so spendabel:

Two-Thirds of Americans Plan to Cut Back on Credit Cards During Holidays

Sixty-six percent of Americans plan to use either less credit than a year ago or no credit as they
buy holiday gifts, according to a Cambridge Consumer Credit Index release. In a nationwide poll
of 1,000 adults done by ICR/International Communications in the past week, 30 percent of
Americans plan to use less credit than they did a year ago and 36 percent will not use any credit
card debt at all when buying gifts. In contrast, 31 percent plan to use about the same amount of
credit card debt as last year and only 4 percent expect to use more credit card debt.

The Index also asked consumers who are going to use credit cards for gifts whether or not they
expect to pay these bills off when they arrive in January. Fully 55 percent expect to pay their
credit card bills off in full next month, while 39 percent expect to carry a balance and pay interest
for at least a month after January. Only 6 percent thought they would pay off some, but not all, of
what they spend when the bills come in January.

Quelle



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Keeping Track: household debt

More personal income used to pay bills, mortgage

Compiled by Amanda Paulson

As the holidays - and holiday shopping - approach, many consumers resort to credit cards to pay for gifts. The resulting debt can be daunting.

According to the Federal Reserve Board, which tracks debt burden as a percentage of personal income on a quarterly basis, US households pay somewhere between 11 and 14 percent of their disposable income (that is, all income after taxes) on required payments for mortgage and consumer debt.

In the past few years, that percentage has been steadily rising. For the second quarter of 2001 (the latest figures available), 14.04 percent of household income went to such debt payments.

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Quelle

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und noch einer....

allerdings eine Wiederholung vom Wochenende. Im Unterschied sind hier die Schulden zum Gesamteinkommen vs. Consumer Sentiment abgebildet:

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Nach dem eingebrochenen Verbrauchervertrauen müsste die Verschuldung der Haushalte eigentlich demnächst auch zurückgehen, bevor wieder neue Höchststände in Angriff genommen werden können.

herzliche Grüsse
Cosa



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