k***a
发帖数: 2258 | 1 NEW YORK (CNNMoney) -- When the unexpected strikes, most Americans aren't
prepared to pay for it.
A majority, or 64%, of Americans don't have enough cash on hand to handle a
$1,000 emergency expense, according to a survey by the National Foundation
for Credit Counseling, or NFCC, released on Wednesday.
62Print Only 36% said they would tap their rainy day funds for an emergency.
The rest of the 2,700 people polled said that they would have to go to
other extremes to cover an unexpected expense, such as borrowing money or
taking out a cash advance on a credit card.
"It's alarming," said Gail Cunningham, a spokeswoman for the Washington, DC-
based non-profit. "For consumers who live paycheck to paycheck -- having
spent tomorrow's money -- an unplanned expense can truly put them in
financial distress," she noted.
That's the case for Allyson Curtis, 35. "I think about it every day," she
said.
Curtis was unemployed for only three months last year, but in that time she
accumulated $5,000 in credit card debt that she's now struggling to pay down
. In the case of an emergency, Curtis said she would likely postpone other
payments and pile on additional debt.
She is already putting off $450 in dental work and a car inspection due to a
crack in her windshield, which will cost $300 to replace, she said.
Many respondents, 17%, said they would borrow money from friends or family.
Another 17% said they would neglect other financial obligations -- like a
credit card bill or mortgage payment -- in order to free up some funds.
Alternatively, 12% of the respondents said they would have to sell or pawn
some assets to come up with $1,000 and 9% said they would need to take out a
loan. Another 9% said they would get a cash advance from a credit card,
according to the NFCC.
Cunningham finds that particularly troubling. Neglecting other debt
obligations -- or worse piling on more debt -- "really exacerbates the
problem," she said.
An earlier study by the same organization found that 30% of Americans have
zero dollars in non-retirement savings. A separate study by the National
Bureau of Economic Research found that 50% of Americans would struggle to
come up with $2,000 in a pinch. | w*****m
发帖数: 20421 | 2 这有啥稀奇的，有政府依靠，所以才吃着喝着明天的，存钱是傻瓜，提前消费才是牛叉 | k********n
发帖数: 18523 | | a*********2
发帖数: 932 | 4 一半多钱在股票和基金里呢，这就是他们所谓的没有cash。抛了不就有了？就是韬光养
晦。大尾巴狼哭穷计~ | w*****m
发帖数: 20421 | 5 穷就破产吧，中国也没破产一说，有债就得还，美国人还问呢，不能破产，那还不像意大
利黑手党一样的来逼债啊 |
|
