سؤال قراءة ستيب محلول — فهم التفاصيل (تدريب 5845)

(1)An annual survey in 2017 from the National Endowment for Financial Education (NEFE) found Americans cited the most significant financial setbacks they experienced in 2016 as transportation issues (23 percent), housing repairs/ maintenance (20 percent), and medical care for injury illness (18 percent). If faced with a major unexpected expense, over one third say they would pay for it with credit cards or emergency savings both at 35 percent-followed by cash at 32 percent. (2)The survey also found that nearly half (48 percent) of Americans admit that they are living paycheck to paycheck. The main reasons people believe they are living paycheck to paycheck are due to credit card debt (24 percent), employment struggles (22 percent), and mortgage/rent payments (18 percent). Compounding the uneasiness, over three quarters (78 percent) say something causes them financial stress. Saving money (53 percent) tops the list, followed by managing debt (44 percent). (3)”Get debt under control” says Paul Golden (a spokesman for NEFE). “Take a hard look at what you owe. If there’s a clear warning sign of too much debt. take action. Set a goal to reduce your debt load next year by 5 to 10 percent. That might mean reducing impulse shopping. Six in 10 people admit they purchase on impulse and 80 percent of those regret purchases afterwards. When you face temptation, walk away for at least 30 minutes and see if you still want it and it’s a good idea”. How do most Americans deal with unexpected costs?