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Paying bills can be a grind for 43 percent of Americans, CFPB Finds
Advertiser disclosure You're our first priority. Everytime. We believe everyone should be able make financial decisions with confidence. And while our site doesn't contain every financial institution or product that is available We're pleased of the advice we provide, the information we provide and the tools we create are impartial, independent simple, and free. So how do we earn money? Our partners pay us. This may influence which products we review and write about (and the places they are featured on our site), but it does not affect our suggestions or recommendations, which are grounded in many hours of research. Our partners are not able to pay us to guarantee favorable review of their services or products. .
Paying Bills Is a Grind for 43 percent of Americans, CFPB Finds
by Jeanne Lee Jeanne is a former NerdWallet writer focusing on credit, debt and loans. She has covered topics related to finance for over 20 years, and has also worked at Fortune as well as Money magazines.
Sep 27 Sep 27, 2017
Editor: Des Toups Lead Assigning Editor | Student loans repayment of college debt, paying for the cost of college Des Toups leads the student loans and auto loans teams at NerdWallet; before that, he headed the company's private loans as well as consumer finance departments. He also managed the editorial teams at CarInsurance.com, Insurance.com and MSN.com as well as worked as reporter and editor for The Seattle Times, Anchorage Daily News, Albuquerque Journal, Colorado Springs Gazette-Telegraph and Biloxi Sun Herald.
Many or all of the products we feature are from our partners, who pay us. This affects the products we write about and the location and manner in which the product is featured on the page. However, this doesn't affect our opinions. Our opinions are our own. Here's a list of and .
More than 40% of U.S. adults struggle to make ends meet According to a new report from the Consumer Financial Protection Bureau.
It discovered that the financial well-being for U.S. adults varies widely and savings are the best indicator of wellness, even more than the amount of education and income. People who had the ability to manage emergencies were in the best condition.
The agency used a large nationwide survey to gauge financial well-being, a concept they defined by:
feeling in control over finances
being capable of absorbing the financial shocks
being on track toward financial goals,
having the freedom to make choices that allow enjoyment of life
Monitor your spending categories
See what you've spent across your accounts, the bills you're likely to pay and the amount you're in the right direction to save.
The survey, conducted in late 2016 included Americans questions about their savings, income, and attitude towards money. The survey's results, as reported in the Financial Well-Being in America report which shows that 43 percent of respondents struggled to pay bills and 34% have experienced money problems in the past year, like having food shortages or being unable to pay for medical expenses.
A score for the financial health of consumers
Respondents also got a "financial wellbeing score" between 100 and 0. The average rating was 53.
The report said about 1/3 of those had scores between 51 and 60, another third scored higher than that range while the remainder scored below it.
Individuals with scores of 50 or below were more likely to be being in financial hardship, whereas those who scored more than 61 were more likely to be able to live on a budget.
Disparities by age group were observed. Seniors over 65 had the highest scores -- about 10 points more than younger adults in the 18-to-34 group which scored the lowest.
>>MORE:
A safety net is essential.
The CFPB findings highlight the fact that having a safety net of savings has a powerful influence on the financial stability. Adults who have less than $250 of savings had an average score of 41, while those with savings of $5,000 or more were well above the average.
The size of the respondent's financial cushion, as the CFPB stated is the best measure of well-being, even higher than income or education.
For the majority of people, that financial cushion begins with these basic elements:
Even as little as $250 in your bank account can prevent you from entering the debt of each unexpected cost.
It'll be easier to fuel your emergency fund if know how much money's coming in and have a plan of where it'll go.
Select a strategy that can help you put a dent in your debt. As you pay less to creditors, you will be able to put more of your money towards the development of the financial foundation.
After you've completed those three tasks, you'll then be in a position to establish long-term goals, like saving for retirement.
Factors affecting financial well-being
Here are some factors that significantly improved financial wellbeing for people, the CFPB found:
Savings cushion
Being a financial expert
You feel confident in your finances
Saving money on a regular basis
By contrast, these experiences had strong negative associations for financial health:
Having been denied credit
Having used payday loans, pawn loans or auto title loans
After being approached by the debt collector
The study did not find any differences in financial wellbeing because of gender or region. There were only minor differences due to belonging to a certain racial or ethnic group, with whites who are not Hispanic experiencing greater levels of financial well-being than other groups.
More from NerdWallet
Author bio Jeanne Lee is former personal finance journalist for NerdWallet. She has also written in Fortune and Money magazines.
On a similar note...
Dive even deeper in Personal Finance
Make all the right money moves
Should you loved this article and you wish to receive more details concerning payday loans that don t require a checking account; gogo2cafe.ru, generously visit the web page.
Advertiser disclosure You're our first priority. Everytime. We believe everyone should be able make financial decisions with confidence. And while our site doesn't contain every financial institution or product that is available We're pleased of the advice we provide, the information we provide and the tools we create are impartial, independent simple, and free. So how do we earn money? Our partners pay us. This may influence which products we review and write about (and the places they are featured on our site), but it does not affect our suggestions or recommendations, which are grounded in many hours of research. Our partners are not able to pay us to guarantee favorable review of their services or products. .
Paying Bills Is a Grind for 43 percent of Americans, CFPB Finds
by Jeanne Lee Jeanne is a former NerdWallet writer focusing on credit, debt and loans. She has covered topics related to finance for over 20 years, and has also worked at Fortune as well as Money magazines.
Sep 27 Sep 27, 2017
Editor: Des Toups Lead Assigning Editor | Student loans repayment of college debt, paying for the cost of college Des Toups leads the student loans and auto loans teams at NerdWallet; before that, he headed the company's private loans as well as consumer finance departments. He also managed the editorial teams at CarInsurance.com, Insurance.com and MSN.com as well as worked as reporter and editor for The Seattle Times, Anchorage Daily News, Albuquerque Journal, Colorado Springs Gazette-Telegraph and Biloxi Sun Herald.
Many or all of the products we feature are from our partners, who pay us. This affects the products we write about and the location and manner in which the product is featured on the page. However, this doesn't affect our opinions. Our opinions are our own. Here's a list of and .
More than 40% of U.S. adults struggle to make ends meet According to a new report from the Consumer Financial Protection Bureau.
It discovered that the financial well-being for U.S. adults varies widely and savings are the best indicator of wellness, even more than the amount of education and income. People who had the ability to manage emergencies were in the best condition.
The agency used a large nationwide survey to gauge financial well-being, a concept they defined by:
feeling in control over finances
being capable of absorbing the financial shocks
being on track toward financial goals,
having the freedom to make choices that allow enjoyment of life
Monitor your spending categories
See what you've spent across your accounts, the bills you're likely to pay and the amount you're in the right direction to save.
The survey, conducted in late 2016 included Americans questions about their savings, income, and attitude towards money. The survey's results, as reported in the Financial Well-Being in America report which shows that 43 percent of respondents struggled to pay bills and 34% have experienced money problems in the past year, like having food shortages or being unable to pay for medical expenses.
A score for the financial health of consumers
Respondents also got a "financial wellbeing score" between 100 and 0. The average rating was 53.
The report said about 1/3 of those had scores between 51 and 60, another third scored higher than that range while the remainder scored below it.
Individuals with scores of 50 or below were more likely to be being in financial hardship, whereas those who scored more than 61 were more likely to be able to live on a budget.
Disparities by age group were observed. Seniors over 65 had the highest scores -- about 10 points more than younger adults in the 18-to-34 group which scored the lowest.
>>MORE:
A safety net is essential.
The CFPB findings highlight the fact that having a safety net of savings has a powerful influence on the financial stability. Adults who have less than $250 of savings had an average score of 41, while those with savings of $5,000 or more were well above the average.
The size of the respondent's financial cushion, as the CFPB stated is the best measure of well-being, even higher than income or education.
For the majority of people, that financial cushion begins with these basic elements:
Even as little as $250 in your bank account can prevent you from entering the debt of each unexpected cost.
It'll be easier to fuel your emergency fund if know how much money's coming in and have a plan of where it'll go.
Select a strategy that can help you put a dent in your debt. As you pay less to creditors, you will be able to put more of your money towards the development of the financial foundation.
After you've completed those three tasks, you'll then be in a position to establish long-term goals, like saving for retirement.
Factors affecting financial well-being
Here are some factors that significantly improved financial wellbeing for people, the CFPB found:
Savings cushion
Being a financial expert
You feel confident in your finances
Saving money on a regular basis
By contrast, these experiences had strong negative associations for financial health:
Having been denied credit
Having used payday loans, pawn loans or auto title loans
After being approached by the debt collector
The study did not find any differences in financial wellbeing because of gender or region. There were only minor differences due to belonging to a certain racial or ethnic group, with whites who are not Hispanic experiencing greater levels of financial well-being than other groups.
More from NerdWallet
Author bio Jeanne Lee is former personal finance journalist for NerdWallet. She has also written in Fortune and Money magazines.
On a similar note...
Dive even deeper in Personal Finance
Make all the right money moves
Should you loved this article and you wish to receive more details concerning payday loans that don t require a checking account; gogo2cafe.ru, generously visit the web page.