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Paying bills can be a grind for 43% of Americans, CFPB Finds
Advertiser disclosure You're our first priority. Everytime. We believe everyone should be able to make financial decisions with confidence. While our website doesn't contain every financial institution or product that is available, we're proud that the advice we provide and the information we offer and the tools we develop are objective, independent simple, and completely free. So how do we make money? Our partners compensate us. This could influence the types of products we write about (and the places they are featured on the site) however it in no way affects our advice or suggestions, which are grounded in thousands of hours of research. Our partners do not promise us 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 debt, credit and loans. She has covered topics related to finance for over 20 years, with stints in Fortune as well as Money magazines.
Sep 27 September 27, 2017
Edited by Des Toups Lead Assigning Editor | Student loans and repaying college debt, paying for the cost of college Des Toups leads the student loans and auto loans teams at NerdWallet; before that, he headed NerdWallet's private loans and consumer finance teams. He also managed editorial teams at CarInsurance.com, Insurance.com and MSN.com as well as worked as an editor as well as a reporter for The Seattle Times, Anchorage Daily News, Albuquerque Journal, Colorado Springs Gazette-Telegraph and Biloxi Sun Herald.
Many or all of the products featured here are from our partners, who pay us. This affects the products we feature and where and how the product appears on a page. However, this does not affect our opinions. Our opinions are our own. Here is a list of and .
More than 40% of U.S. adults struggle to get by According to a new report by the Consumer Financial Protection Bureau.
It was found that the financial wellbeing for U.S. adults varies widely in the form of savings, which is the best indicator of wellness in addition to education or income. The people who were able to handle emergencies were in the best health.
The agency used a large national survey to assess the financial health of its citizens, which they defined by:
feeling in control over finances
being able to absorb financial shocks
staying on track towards financial goals,
having the freedom to make choices that allow enjoyment of life
Track your spending categories
Check out what you've put into your accounts, upcoming bills, and how much you're on track to save.
The survey, which took place in late 2016, was conducted in the latter half of 2016, and asked Americans questions about their incomes, savings and attitudes toward money. The survey's results, as reported in the Financial Well-Being in America report revealed that 43% of respondents struggled to pay for bills and 34% have experienced financial difficulties in the last year, such as being unable to eat or being unable to afford medical care.
A score to measure the financial health of consumers
Respondents also received an "financial wellbeing score" between 0 and 100. The median score was 54.
The report noted that around a third of people had scores between 51 and 60 and another third scored higher than that range while the remainder scored less than that.
Scores of 50 or below were more likely to be having a difficult time, whereas those with scores of 61 or above were likely to to make ends meet.
Age-related disparities have been found. Seniors over 65 were the top performers approximately 10 points better than young adults in the 18-to 34 age group which scored the lowest.
>>MORE:
Safety nets are essential.
The CFPB results show the fact that having a safety net of savings has a powerful influence on the financial stability. Adults who have less than $250 savings scored an average score of 41. However, those with savings of $5,000 or more had scores that were significantly higher than average.
The size of the respondent's financial cushion, as the CFPB said was the most reliable indicator of well-being, and was more than income or education.
For the majority of people, this financial cushion starts with these fundamentals:
Even as little as $250 in your bank account can prevent you from entering the debt of each unexpected expense.
It's easier to fill your emergency fund when you are aware of how much money is coming in and have a plan for the place it'll be used.
Select a strategy that can help you put a dent in your debt. As you pay less to creditors, you are able to contribute more toward creating the financial foundation.
After you've completed those three steps, you'll be in a position to establish longer-term goals, such as investing in retirement savings.
Financial well-being is influenced by a variety of factors
Here are some factors which significantly enhanced the financial health for people according to the CFPB found:
A savings cushion
Being a financial expert
Confident about your money
Saving money on a regular basis
In contrast, these events were strongly associated with negative effects on the financial health of individuals:
Having been denied credit
Having previously used payday loans, pawn loans or auto title loans
Having been contact by an unidentified debt collector
The survey found no differences in financial health due to region or gender. There were minor variations due to being part of one particular ethnic or racial group, with non-Hispanic whites having higher levels of financial wellness than other groups.
More from NerdWallet
About the author: Jeanne Lee is former personal finance writer at NerdWallet. She previously wrote for Fortune and Money magazines.
In a similar vein...
Dive even deeper in Personal Finance
Take all the appropriate money moves
If you are you looking for more info about instant online payday loans no credit check (https://visaloans.ru/) look into the web site.
Advertiser disclosure You're our first priority. Everytime. We believe everyone should be able to make financial decisions with confidence. While our website doesn't contain every financial institution or product that is available, we're proud that the advice we provide and the information we offer and the tools we develop are objective, independent simple, and completely free. So how do we make money? Our partners compensate us. This could influence the types of products we write about (and the places they are featured on the site) however it in no way affects our advice or suggestions, which are grounded in thousands of hours of research. Our partners do not promise us 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 debt, credit and loans. She has covered topics related to finance for over 20 years, with stints in Fortune as well as Money magazines.
Sep 27 September 27, 2017
Edited by Des Toups Lead Assigning Editor | Student loans and repaying college debt, paying for the cost of college Des Toups leads the student loans and auto loans teams at NerdWallet; before that, he headed NerdWallet's private loans and consumer finance teams. He also managed editorial teams at CarInsurance.com, Insurance.com and MSN.com as well as worked as an editor as well as a reporter for The Seattle Times, Anchorage Daily News, Albuquerque Journal, Colorado Springs Gazette-Telegraph and Biloxi Sun Herald.
Many or all of the products featured here are from our partners, who pay us. This affects the products we feature and where and how the product appears on a page. However, this does not affect our opinions. Our opinions are our own. Here is a list of and .
More than 40% of U.S. adults struggle to get by According to a new report by the Consumer Financial Protection Bureau.
It was found that the financial wellbeing for U.S. adults varies widely in the form of savings, which is the best indicator of wellness in addition to education or income. The people who were able to handle emergencies were in the best health.
The agency used a large national survey to assess the financial health of its citizens, which they defined by:
feeling in control over finances
being able to absorb financial shocks
staying on track towards financial goals,
having the freedom to make choices that allow enjoyment of life
Track your spending categories
Check out what you've put into your accounts, upcoming bills, and how much you're on track to save.
The survey, which took place in late 2016, was conducted in the latter half of 2016, and asked Americans questions about their incomes, savings and attitudes toward money. The survey's results, as reported in the Financial Well-Being in America report revealed that 43% of respondents struggled to pay for bills and 34% have experienced financial difficulties in the last year, such as being unable to eat or being unable to afford medical care.
A score to measure the financial health of consumers
Respondents also received an "financial wellbeing score" between 0 and 100. The median score was 54.
The report noted that around a third of people had scores between 51 and 60 and another third scored higher than that range while the remainder scored less than that.
Scores of 50 or below were more likely to be having a difficult time, whereas those with scores of 61 or above were likely to to make ends meet.
Age-related disparities have been found. Seniors over 65 were the top performers approximately 10 points better than young adults in the 18-to 34 age group which scored the lowest.
>>MORE:
Safety nets are essential.
The CFPB results show the fact that having a safety net of savings has a powerful influence on the financial stability. Adults who have less than $250 savings scored an average score of 41. However, those with savings of $5,000 or more had scores that were significantly higher than average.
The size of the respondent's financial cushion, as the CFPB said was the most reliable indicator of well-being, and was more than income or education.
For the majority of people, this financial cushion starts with these fundamentals:
Even as little as $250 in your bank account can prevent you from entering the debt of each unexpected expense.
It's easier to fill your emergency fund when you are aware of how much money is coming in and have a plan for the place it'll be used.
Select a strategy that can help you put a dent in your debt. As you pay less to creditors, you are able to contribute more toward creating the financial foundation.
After you've completed those three steps, you'll be in a position to establish longer-term goals, such as investing in retirement savings.
Financial well-being is influenced by a variety of factors
Here are some factors which significantly enhanced the financial health for people according to the CFPB found:
A savings cushion
Being a financial expert
Confident about your money
Saving money on a regular basis
In contrast, these events were strongly associated with negative effects on the financial health of individuals:
Having been denied credit
Having previously used payday loans, pawn loans or auto title loans
Having been contact by an unidentified debt collector
The survey found no differences in financial health due to region or gender. There were minor variations due to being part of one particular ethnic or racial group, with non-Hispanic whites having higher levels of financial wellness than other groups.
More from NerdWallet
About the author: Jeanne Lee is former personal finance writer at NerdWallet. She previously wrote for Fortune and Money magazines.
In a similar vein...
Dive even deeper in Personal Finance
Take all the appropriate money moves
If you are you looking for more info about instant online payday loans no credit check (https://visaloans.ru/) look into the web site.
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