Mediafax (Mediafax)
Personal finance  |  November 14, 2012 14:03:25

Survey: Every second household does not track your expenses


PRAGUE (MEDIAFAX) - System monitoring their spending lacks half of all households in the Czech Republic. The main cause of the subsequent debt people call unemployment and low earnings, followed by living beyond their means, in the middle of the survey results by STEM / MARK advised KRUK International.

"Distraction Finance is unfortunately spawned the creation of debt. No. indebted grows year on year, this year has exceeded eight percent., This negative trend will continue. People should therefore have a better overview of your finances and try to keep them in good shape," said results of investigations Vítězslav Piece, Sales Director and Marketing Director KRUK International.

About their financial plans for more than one year, according to a survey only clear one in twenty respondents. Management at 12 months is 15 percent of respondents thought out and more than every other, so to speak Czech living from paycheck to paycheck, and no longer plans of their family finances does not. "According to our findings, half of the citizens in addition to accurately identify the causes of your debt," said Director of Debt Advisory Center David Smejkal.

The investigation also revealed that the "home of the Minister of Finance" performs mostly women (61 percent), which monitor expenditure survey, compiled household budget or pay bills. Against it when it comes to the issue of debt, often picking up men (54 percent).

The financial situation of your household feel stress, according to the survey, almost a quarter of Czech households. No stress can confer 38 percent of those surveyed, and three out of five people said they felt stress either, or they could if they did not behave responsibly.

If the Czechs pursue their financial expenses, most often for this problem with pencil and paper in hand (60 percent). Against modern technology to its onset are still waiting to speak to the currently rather male population. Internet and mobile application uses to monitor its finances 19 percent of respondents.

"It is natural that the advice on the budget and debt, we ask our loved ones. Worth but also find expert advice, which is often better able to explain how a well planned household budget," said director Vítězslav Piece.He pointed out that similar information can also find an in various manuals on the internet or you can participate in training on budgeting. "But if we are dealing with a plan to get out of debt, it is best to contact the claims administrator directly for advice on how to plan payments," added piece.

The survey also showed that nearly half of Czechs expected to prepare their claims administrator repayment schedule according to their financial capacity, another 24 percent of respondents said that their claims administrators should act as advisers.

A set of questions aimed at shopping habits revealed that 27 percent of Czech households have on your shopping list writes not only products, but also their prices. On the contrary, the so-called impulsive purchases forfeit 33 percent of Czechs who do not make the list at all.

Research in Finance households prepared for KRUK International in October by STEM / MARK on a sample of 840 respondents from the Czech Republic. The survey was conducted in the Day without debt, which will be held on Thursday for the first time in the Czech Republic.

On debt free goal is to alert the public to the financial obligations. "Even the smallest amount that we borrowed from your family or friends, are the debts that we should go back. Day without debt, one should motivate us to get together with those to whom we owe and agreed with them on repayment. action is to remind people to take up their financial situation and to motivate them to change their practices to their commitments, "Vítězslav finished piece.


Jan Soukup, soukupj@mediafax.cz

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