 |
브레이크뉴스 문홍철 기자= 직장인 10명 중 9명은 월급을 받자 마자 통장 잔고가 바닥 나는 ‘월급 순삭(순식간에 삭제)’을 경험하고 있는 것으로 나타났다. 응답자들은 월급 통장이 ‘텅장’이 되는 기간은 평균 14일이라고 답했다.
1일 잡코리아에 따르면 직장인 812명을 대상으로 조사한 결과, 92.2%가 ‘월급 순삭을 경험한 적이 있다’고 답했다.
월급 순삭을 겪는 이유는 ‘급여가 적어서’가 응답률 57.7%로 1위를 차지했다. 이어 ‘카드 대금을 갚느라 남는 돈이 없어서(38.3%)’, ‘집안 살림에 보태야 해서(27.2%)’, ‘충동 소비를 해서(17.8%)’ 등이었다.
직장인 월급은 2주만에 ‘순삭’되는 것으로 조사됐다. 통장 잔고 부족일때의 해결 방안은 ‘신용카드 사용(44.5%)’, ‘부모님 및 가족에게 부탁(34.6%)’, ‘현금 서비스 이용(16.5%)’ 등이었다.
이와 관련, 직장인들에게 ‘내 통장의 월급을 누가 가장 많이 빼 가는지’ 질문한 결과, ‘카드사(식비/쇼핑 등 기본 생활비 지출)’가 80.9%의 높은 응답률로 1위에 올랐다. 또한, ‘은행(대출)(28.4%)’, ‘집주인(월세)(28.4%)’, ‘통신사(16.7%)’, ‘보험사(13.8%)’ 등이 뒤따랐다. 직장인이 카드 값으로 지출하는 월 평균 금액은 약 100만원선이었다.
월급 순삭을 겪는 직장인들이 가장 아까워하는 지출 1위는 ‘집 대출 이자 및 월세(41.7%)’였다.
다음으로는 연령대 별로 일부 차이를 보였다. 가장 아까운 지출 2위는 20대는 ‘교통비(33.2%)’, 30대와 40대는 ‘충동소비(30대 31.4%, 40대 37.1%)’를 꼽았다. 이어 20대는 ‘충동 소비(32.1%)’, 30대 ‘통신비(27.6%)’, 40대 ‘보험금(34.6%)’등이 있었다.
한편, ‘월급에 대한 생각’을 물은 결과, 직장인 10명 중 6명은 ‘소액이라도 꾸준히 저축해야 한다(63.9%)’고 답했으며, ‘주식 투자 등 재테크를 해서 돈을 불려야 한다(19.5%)’, ‘내가 지금 당장 하고 싶은 걸 하며 써야 한다(8.3%)’ 등이 뒤를 이었다.
아래는 위의 글을 구글번역이 번역한 영문의 <전문>이다. [Below is an English <Full text> translated by Google Translate.]
When is the moment when office workers, paychecks become 'empty'?
-Reporter Moon Hong-cheol
It was found that 9 out of 10 office workers are experiencing “short-cut pay cuts” (deletion in an instant), in which the bank account balance runs out as soon as they receive their paycheck. Respondents answered that it takes an average of 14 days for their paycheck account to be “empty”.
According to Job Korea on the 1st, as a result of a survey of 812 office workers, 92.2% answered that they had experienced a decrease in their salary.
The reason for the short-term pay cut was ‘low salary’, which took the top spot with a response rate of 57.7%. Next, ‘I did not have enough money to pay off my credit card payments’ (38.3%), ‘I had to add to household chores (27.2%)’ and ‘I had to spend on impulse’ (17.8%).
It has been found that the salary of an employee is 'smooth' in two weeks. When the bankbook balance was insufficient, the solutions were 'use a credit card (44.5%)', 'ask parents and family (34.6%)', and 'use cash service (16.5%)'.
In this regard, as a result of asking office workers 'who is taking the most from my bankbook's salary?', 'card company (basic living expenses such as food and shopping)' ranked first with a high response rate of 80.9%. In addition, 'bank (loan) (28.4%)', 'landlord (monthly rent) (28.4%)', 'telecommunications company (16.7%)' and 'insurance company (13.8%)' followed. The average monthly amount that an office worker spends on a card was about 1 million won.
The top spending most regretted by office workers who suffer from short-term paychecks was ‘House Loan Interest and Monthly Rent (41.7%)’.
Next, there were some differences by age group. Those in their 20s ranked second in terms of spending the most, with “transportation expenses” (33.2%) and “impulsive consumption” in their 30s and 40s (31.4% in their 30s, 37.1% in their 40s). Next, ‘impulse consumption’ in their 20s (32.1%), ‘communication expenses (27.6%)’ in their 30s, and ‘insurance payments’ (34.6%) in their 40s were followed.
On the other hand, as a result of asking 'thoughts about salary', 6 out of 10 office workers said 'even a small amount should be saved steadily (63.9%)', and 'we have to make money through financial techniques such as investing in stocks (19.5%). ' and 'I should write what I want to do right now (8.3%)' followed.
