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美国人的消费比重

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小编摘要:华尔街日报评论了美国人如何花钱。分析后的一个结论就是尽管经济不景气,但是消费者的开学仍然是健康和活跃的。这或许意味着美国人继续过度消费。美国公民通常都产生债务。然而,从去年节日消费上升很快,美国人感觉

Wall St. reviewed how Americans spend money. One of the conclusions of this analysis is that consumer spending is relatively alive and well, despite the recession. This may mean that Americans continue to be over-leveraged. US citizens have, in general, brought down their indebtedness. However, holiday spending rose substantially from last year, and the extent to which Americans feel poor has declined now that the recession has ended. Americans spend about 15% of their household incomes on things that they do not need to satisfy their vices or to keep themselves amused.

We examined the changes in spending patterns over the course of one generation–20 years. Americans have certainly not cut back on vices because of the recent difficult economy, with the exception of casinos which were hurt badly by the slowdown. Money spent on alcohol and tobacco is about the same as it was two decades ago. Sin apparently is not beaten down by hard times.

Data from the Bureau of Labor Statistics was one of the core sources of information for the 24/7 analysis. We looked spending habits in 1989 and then again in 2009. The average household expenditure two years ago was $49,000. That is measured against household income before taxes of about $63,000.  Real incomes have not risen over the course of the last ten years, something that has not happened in any decade since the Depression. Over the course of the last two decades the increase in real income was only 10%.

The patterns of how people spend money on things has changed. People spend much more on television, radio, and sound systems than they did in 1989. They also spend more on pets and toys.

The BLS divides households into nine income groups. The lowest is households with income less than $5,000 a year. It is hard to imagine how such a household could exist. But, the government definition includes people who rent rooms or other living spaces, so in reality a college student or group of college students would qualify. The highest income group contains households with incomes of over $70,000 a year.

24/7 reviewed how American households spend their money and identified categories in which the expenditures are purely discretionary as a way to set its final list of ways people spend money on unnecessary items. We removed all expenses that could be considered essential to maintain a reasonable living, good health and a steady job.  Then, we identified the ten categories of unnecessary purchases which accounted for the largest part of U.S. household expenditures. We also broke the data into several demographics, including income before taxes, regions of the country, and the number of people in each household.

The ten categories of unnecessary purchase can be balanced against the ability of Americans to save money or pay off debts. The “average” American household which has an income of $63,000 spends more than $8,000 on goods and services it does not actually need. The credit crisis might not have been so bad if all that money had been put into savings accounts between 1989 and 2009, but the period would not have been nearly as fun.

10. Apparel Products and Services

> Annual Amount Spent Per Household: $249

> % of Total Annual Expenses: 0.5%

This category includes unnecessary purchases such as clothing rentals and storage, dry cleaning, jewelry, and watch repair.  Clothing and shoe repairs, which are also included, are rarely considered a waste, but they account for a relatively modest portion of this category.  The average amount spent per household is $249.  This is slightly down from the 1989 amount, which was $266.

9. Tobacco

> Annual Amount Spent Per Household: $380

> % of Total Annual Expenses: 0.8%

The average household spends more than $380 each year on tobacco products and smoking supplies, which includes cigarettes, cigars, pipes, and chewing tobacco. It is worth remembering that this average includes households where no one pays for tobacco products. Despite this fact, tobacco’s portion of the average household’s budget, 0.8%, is larger than what Americans spend on fresh fruit and milk combined. A person who smokes a pack of cigarettes a day in New York state will spend more than $4,000 a year, which is roughly 10% of the average American income before taxes.

8. Entertainment Equipment and Services, Nonessential

> Annual Amount Spent Per Household: $400

> % of Total Annual Expenses: 0.8%

Products in this category include bicycles, trailers, camping equipment, hunting and fishing equipment, sports equipment, boats, photographic equipment and supplies.  The average expenditures dedicated to items in this category among all households is $400.  The greatest average amount, $870, occurs among households with a husband, wife, and an eldest child age 6 to 17 years.  In households with only one parent and at least one child under 18, the amount drops to $188.  In 1989, the average amount for all households was slightly less, at $369.

7. Alcohol

> Annual Amount Spent Per Household: $435

> % of Total Annual Expenses: 0.9%

In 2009, the average American household spent $435 on beer, wine, hard liquor, and mixed drinks. This is more than the amount spent on all non-alcoholic beverages combined. Despite the higher prices often paid in restaurants and bars, the majority of money spent is on alcohol is for drinks consumed in the home. Households consisting only of a husband and wife spent an average of $582, roughly $400 more than single-parent households. On average, household spending on alcohol increased 35% from 1989, but the percent of their total budget spent on drinks is about the same: 1% in 1989 versus 0.9% in 2009.

6. Fees and Admissions

> Annual Amount Spent Per Household: $628

> % of Total Annual Expenses: 1.3%

In 2009, the average household spent $628 on fees and admissions for sporting events, films, and concerts. This category also includes club memberships and movie rentals. These costs are more than what the average household spent on personal care products. People in the Northeast spent $780 on this category, about $370 more than those in the South. The average annual expenses for these products are nearly double what they were in 1989, when the average movie ticket cost $4, about half of what people spend today.

5. Lodging, Vacation Homes and Hotels

> Annual Amount Spent Per Household: $672

> % of Total Annual Expenses: 1.4%

The average American household spent more than $670 on vacation homes and hotels. While this is more than the $485 spent twenty years ago, Americans are actually spending less than they used to on their total budgets – 1.7% in 1989 versus 1.4% in 2009. As might be expected, households which make more than $70,000 each year spent far more than the average American: $1,511 in 2009. Households in the Northeast spent $924 on vacation homes and hotels, nearly double what those in the South pay each year.

4. Pets, Toys, Hobbies, and Playground Equipment

> Annual Amount Spent Per Household: $690

> % of Total Annual Expenses: 1.4%

The average household spent nearly $700 on pets, toys, hobbies, and playground equipment. Nearly 80% of the expenses in this category come from pets, including food and veterinary bills. In contrast, households only spent $140 on toys and games. Families with the oldest child under 6 only spent $670. Families with a child older than 18 spent nearly $1,200. Most of this difference comes from significantly more spending on veterinary services. Households in the Western United States spent $800 on pets, toys and games – 20% more than those in the Midwest. These expenses have increased from 0.9% of household budgets in 1989 to 1.4% in 2009.

3. Television, Radio, and Sound Equipment

> Amount Spent Per Household: $975

> % of Total Annual Expenses: 2%

In 2009, the average household spent $975 on television, radio, and sound equipment, including cable TV, video game hardware, and movie players.  This amount is up from $429 in 1989.  For comparison, the average amount spent on reading material, which is another household expenditure category, was only $109.  The group which spent the greatest portion of their budget in this category, 2.5%, was those who made between $5,000 to $9,999.  The group which spent the least was the group making the most.  Households earning $70,000 or more spent only 1.7% of their budget on items in this category.

2. Gifts

> Amount Spent Per Household: $1,067

> % of Total Annual Expenses: 2.2%

Although Americans spend a great deal of money on unnecessary goods and services for themselves, they also spend a large amount on gifts for others.  The average amount spent on gifts (including housing, apparel, and entertainment items) per household in 2009 was $1,067.  This amount has increased from $887 in 2009.  Households with incomes of less than $5,000 spent an average of $479, while households earning between $5,000 and $9,999 spent an average $261, the lowest amount.

1. Food Away From Home

> Amount Spent Per Household: $2,619

> % of Total Annual Expenses: 5.3%

Food away from home includes all meals at fast food, take-out, delivery, full-service restaurants, and at vending machines and food carts.  In 2009, the average household spent $2,619 on food away from home, compared to an average $1,762 in 1989.  The group which spent the most in this category, relative to household income, are those which make less than $5,000 a year.  This group spent an average 6.2% of their total budget on food away from home. Those making between $5,000 and $9,999 spent 4.7%.


华尔街日报评论了美国人如何花钱。分析后的一个结论就是尽管经济不景气,但是消费者的开学仍然是健康和活跃的。这或许意味着美国人继续过度消费。美国公民通常都产生债务。然而,从去年节日消费上升很快,美国人感觉穷的比例由于危机结束而下降。美国人为了享受取乐把他们家庭收入的15%消费在他们本不需要的东西上。

我们考察了一代人花销模式的改变——20年。除了受经济下滑而影响严重的赌博外,美国人并没有因为目前的困难经济形势而削减他们的消费坏习惯。在烟酒方面的开支和20年前一样。这种罪孽并没有受到危机的打击。

来自劳工部的统计数据是7月24日分析依赖的主要信息资源。我们查询了1989年的消费习惯,然后是2009年。两年前平均家庭支出是49,000美金。相对的是家庭收入税前是大约63,000美金。实际收入在过去10年并没有增长,这是自从经济危机以来任何年头都没有发生过的。在过去20年中实际收入仅增长了10%。

人们花钱的方式改变了。人们比1989年在电视机、收音机、和音响上面花更多的钱。他们在宠物和玩具上也花费更多的钱。

劳工统计局把家庭分为9个收入群体。最低的是每年少于5,000美金的家庭。很难想像这样的家庭如何能生存,但是政府的定义包括租房子或者其他生活空间的人,所以事实上一个或一群大学生也符合。最高收入群体是每年收入超过70,000美金的家庭。

7月24日评论了家庭如何消费,并且根据他们的支出把人们花费在不需要的东西列成了表,归了类。我们把合理生活、良好健康和稳固工作方面的开销去掉。接着,我们分出了10个美国家庭花费的但又不是必须的目录。我们也把数据分成几个统计模块,包括税前收入、地区和每个家庭的人数。

这10个不是必需品的购买目录可以让每个人来节省或者偿还债务。”平均“收入为63,000美金的美国家庭花掉了多于8,000美金来购买东西和服务,而这些都不是必需的。如果这些钱在1989年和2009年之间都进了节省账户上,那么信贷危机或许不会这么糟糕。但是这段时间就没有乐趣了。

10.服饰和服务

每年每个家庭总计249美金

占每年所有花费的0.5%

这一类包括非必须的购买如衣服租赁和储存、干洗、珠宝和手表维修。也包括衣服和鞋的维修,这很少被认为是浪费,但是他们占了这一类相当的比例。每个家庭平均是249美金。这比1989年的数量稍微下降,当时是266美金。

9.烟

每年每个家庭开支380美金

占每年总开支的0.8%

平均每个家庭每年花费多于380美金在香烟产品和吸烟供应上,包括香烟、雪茄、烟斗和咀嚼的烟草。值得记住的是这个平均包括没有人购买烟草产品的家庭。尽管如此,烟草开支占每个家庭的开支总数平均为0.8%,比美国人花在新鲜水果和牛奶上的钱加起来还要多。在纽约一个每天抽一盒烟的人每年将花费4,000美金,这大概占了美国人税前平均收入的10%。

8.娱乐设备和服务

每年每个家庭开支400美金

占每年总开支的0.8%

这一类产品包括自行车、野营装备、打猎和钓鱼装备、运动装备、游船、照相设备和日常用品。每个家庭所有这些东西平均花费400美金。最高的平均是870美金,这是出现在只有夫妻两个人加上6——17岁孩子的家庭里。在只有一个父母和至少有一个18岁以下的家庭,这个数目下降到了188美金。在1989年,所有家庭的评价花费更少,是369美金。

7.酒

每年每个家庭开支435美金

占每年总开支的0.9%

在2009年,平均每个美国家庭花费435美金在啤酒、葡萄酒、烈性酒和混合饮料上面。这比花费在无酒精的饮料上面加起来要多。尽管在饭店和酒吧里面的价格比较贵,大多数买人买酒以后都是在家里喝的。只有夫妇两个人的家庭平均花费582美金,大概比单身家庭多400美金。总体上,家庭花费在酒上的开支比1989年增长了35%。

6. 应酬金和门票

每年每个家庭开支628美金

占每年总开支的1.3%

在2009年,平均每个家庭花费628美金在运动赛事、电影和音乐会上。这一类包括俱乐部成员和电影租赁。这些花费比家庭平均花费在一个人身上的医疗产品还有多。在这一类中东北地区的人们平均花费780美金,比南部的家庭大约多370美金。每年这些产品的花费是1989年的大概两倍,但当时平均电影票的价格是4美金,大概是现在的一半。

5.住宿,休假屋和旅店

每年每个家庭开支628美金

占每年总开支的1.3%

平均每个美国家庭在度假房屋和旅店上是670美金。而这比20年前的485美金多,美国人实际上比他们的总预算花费的要少——1989年是1.7%而2009年是1.4%。就像预期的,家庭收入每年超过70,000美金的花费比平均要多:2009年多了1,511美金。在东北地区的家庭在度假屋和旅馆上花费了924美金,几乎是南部地区每年的两倍。

4. 宠物,玩具,业余爱好和运动场设备

每年每个家庭开支690美金

占每年总开支的1.4%

平均每个家庭花费约700美金在宠物、业余爱好和运动场设备上面。这一类花费的的80%来自宠物,还包括它们的食物和宠物看病的账单。相反,家庭仅花费140美金在玩具和游戏上面。家里最大孩子小于6岁的家庭仅花费670美金。家里有一个大于18岁的孩子花费大约是1,200美金。主要的不同之处来自于宠物服务的开销上。在美国西部家庭花费800美金在宠物,玩具和游戏上面——比中部多了20%。这些开支占得比例从1989年的0.9%增加到了2009年的1.4%。

3. 电视,收音机和音响设备

每年每个家庭开支975美金

占每年总开支的2%

在2009年,平均家庭花费975美金在电视、收音机、和音响设备上面,包括有线电视费、视频游戏硬件和电影播放机。这个数目比1989年的429美金上升了。可以做个比较,平均花费在阅读材料方面的是109美金,这也算在这一类中。这一类中花费占预算最多的是2.5%,他们收入在5,000和9,999之间。花费最少的群体是收入最多的人。家庭收入在70,000或者更多的在这一类东西上的消费只占他们预算的1.7%。

2. 礼物

每年每个家庭开支1,067美金

占每年总开支的2.2%

尽管美国人花费了大量的钱在非必需品和服务上,他们也为他人买礼物开销很大。平均每个家庭在礼物(包括外壳、服饰、娱乐等东西)上的开销在2009年是1,067美金。这个数比1989年的887美金也增加了。家庭收入少于5,000美金的平均开支479美金,而收入在5,000美金和9,999美金之间的平均开支261美金,是最少的。

1. 在家以外的食物

每年每个家庭开支2,619美金

占每年总开支的5.3%

在家庭以外的食物包括快餐、外卖、送货上门的食物、全方位服务的饭店和贩卖机器及food cart。在2009年平均每个家庭花费2,619美金在家庭以外的食物上面,而1989年是1,762美金。这一类中花费最多的群体是收入每年低于5,000美金的家庭。这个群体平均要花费他们总预算的6.2%在家庭以外的食物上面。收入在5,000美金和9,999美金之间的花费在这上面的占预算的4.7%。

标签:美国人 消费
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2011-03-01 13:49 编辑:kuaileyingyu
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