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브레이크뉴스 문홍철 기자= 직장인 10명 중 6명은 월급을 모두 써버려서 경제적으로 어려워지는 ‘월급고개’를 겪고 있으며, 월급소진까지 평균 12일 가량이 걸리는 것으로 나타났다.
6일 사람인에 따르면 직장인 1404명을 대상으로 ‘월급고개’를 주제로 조사한 결과, 60.7%가 평소 월급고개를 ‘겪는다’고 답했다.
응답자들은 월급고개를 겪는 이유로 ‘월급이 적어서’(62.3%)를 첫 번째로 꼽았다. 이어 ‘보험, 월세, 공과금 등 고정비용이 높아서’(37.4%), ‘대출이자 등 빚이 많아서’(29.3%), ‘계획 없이 지출해서’(20.9%), ‘식비, 음주 등 외식 비용이 많아서’(19.8%), ‘가족 부양을 책임져야 해서’(19.5%) 등이었다.
직장인들은 월급을 받은 후 모두 소진하는데 평균 12일이 걸리는 것으로 집계됐다. 구체적으로 살펴보면, ‘10일’(21.2%), ‘15일’(20.9%), ‘7일’(11%), ‘20일 이상’(8.9%), ‘19일’(8.6%), ‘14일’(5.2%), ‘5일’(5%) 순이었다.
특히, 이들 중 59%는 장기화된 코로나19로 생활경제가 어려워지면서 월급고개 기간이 예년에 비해 앞당겨졌다고 답했다.
월급을 모두 소진한 후 생기는 지출 비용은 평균 41만원 정도로, 주로 ‘신용카드 사용’(66.4%)으로 충당하고 있었다. 또한, ‘비상금 사용’(30.3%), ‘마이너스 통장 개설’(8.6%), ‘부모님께 빌림’(7.5%), ‘현금서비스 이용’(4.9%) 등으로 추가 지출을 감당하고 있었다.
응답자들은 월 급여가 460만원 이상 돼야 월급고개를 겪지 않고 안정적인 지출 생활을 할 수 있을 것이라 예상했다. 이는 재직중인 기업 유형별로 살펴보면 중소기업 직장인들은 월급이 최소 440만원, 대기업 재직자는 510만원 이상이 필요하다고 답해 70만원 가량 차이가 있었다.
반면, 월급고개를 겪지 않는 응답자(552명)들은 그 비결로 ‘계획적인 소비 생활’(54%)을 꼽았다. 이어 ‘소비활동 자제’(43.7%), ‘여유자금 보유(저축 등)’(33.7%), ‘술, 담배 등을 줄이거나, 하지 않음’(25.4%), ‘여가 활동을 잘 하지 않음’(21.4%), ‘부모님께 도움을 받음(주거, 생활비 등)’(9.8%), ‘주식 등 월급 외 소득’(6.7%) 등이었다.
아래는 위의 글을 구글번역이 번역한 영문의 <전문>이다. [Below is an English <Full text> translated by Google Translate.]
Office workers, 12 days after salary, ‘salary rise’.. Prolonged corona virus
-Reporter Moon Hong-cheol
6 out of 10 office workers are experiencing “salary fluctuations,” which are economically difficult because they have used up their monthly wages, and it takes an average of 12 days to exhaust them.
According to Sarain on the 6th, as a result of a survey of 1,404 office workers on the subject of 'salary fluctuations', 60.7% answered that they 'experience salary fluctuations' on a regular basis.
Respondents cited 'low salary' (62.3%) as the first reason for experiencing a pay rise. It was followed by 'high fixed costs such as insurance, monthly rent, and utility bills' (37.4%), 'a lot of debt such as loan interest' (29.3%), 'spending without a plan' (20.9%), 'food and drinking expenses such as eating out' (20.9%) Many '(19.8%) and 'I have to take responsibility for supporting my family' (19.5%).
It took an average of 12 days for workers to burn out after receiving their salary. Specifically, '10 days' (21.2%), '15 days' (20.9%), '7 days' (11%), '20 days or more' (8.9%), '19 days' (8.6%), '14 days' (5.2%) followed by '5 days' (5%).
In particular, 59% of them said that the period of salary increase was earlier than in the previous year as the living economy became difficult due to the prolonged COVID-19.
The expenses incurred after exhausting all of their monthly wages were on average about 410,000 won, and they were mainly covered by 'credit card use' (66.4%). In addition, they were paying additional expenses for ‘emergency use’ (30.3%), ‘opening a negative account’ (8.6%), ‘borrowing from parents’ (7.5%), and ‘using cash service’ (4.9%).
Respondents expected that their monthly salary would be 4.6 million won or more in order to lead a stable spending life without going through a pay rise. Looking at this by type of company, there was a difference of about 700,000 won as workers in small and medium-sized enterprises (SMEs) answered that they needed at least 4.4 million won a month, and those in large companies needed more than 5.1 million won.
On the other hand, respondents (552 people) who do not experience a change in salary said that the secret was 'planned consumption life' (54%). Next, 'restraint of consumption' (43.7%), 'have spare funds (savings, etc.)' (33.7%), 'reduce or do not drink or smoke' (25.4%), 'do not engage in leisure activities well' (21.4%), 'received help from parents (housing, living expenses, etc.)' (9.8%), and 'income other than salary such as stocks' (6.7%).
