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Hand-to-mouth living from a credit card company perspective

87 点作者 eduardordm大约 12 年前

3 条评论

Zenst大约 12 年前
Many people who live payday to payday will be the types of people who if they had there pay doubled would adjust into the same payday to payday model.<p>In general these will be young people who are out to enjoy life and whilst many adapt a more moderate balance lifestyle, there are always some who carry on.<p>Certainly with the lack of incentives for savers, this certainly does not help motivate people and why should it.<p>What I would be interested in is a graph of fiscal behavour done per age groups and fiscal income. Also if they are single or married or have children. Then I believe you would see a more measurable trend.<p>Though it is worth bearing in mind credit card companies prefer people who live like this as they make them more money than not and with that is it a testiment to how well credit card marketing is actioned I do wonder.
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jonnathanson大约 12 年前
Paycheck timing is nothing new in the retail business, and it's used by virtually all of the big retailers to roll out promotions, product refreshes, new lines, etc.<p>Traditionally speaking, paycheck timing was used by retailers catering to low-income segments -- especially those on food stamps, and those who buy groceries on extremely predictable cycles (by necessity). But what's interesting, not to mention troubling, is that this trend is proliferating up the socioeconomic ladder. It's been going on for awhile now, dating back to before the 2007/8 crash, though certainly made a lot worse ever since that downturn.
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ams6110大约 12 年前
<i>Most people that spend their full salary do never put more than 20$ of gas at a time. At the end, they spend around the same amount than others, but they seem to prefer to go the gas station many times instead of just filling up the tank.</i><p>When gas prices are volatile this actually makes sense. It's the same principle as "dollar cost averaging" when you buy stocks. Purchase a fixed dollar amount, and you end up buying more when the price is low, and less when the price is high, which is what you want to do. Therefore when I buy gas I stop at $25 unless I have a coupon or I'm somwhere that prices are significantly lower than where i normally buy (prices vary by $0.50--$0.75/gal within a 50 mile radius).
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