Consumer Spending Articles


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Consumer debt means outstanding consumer credit. It is the cost of credit that you pay for consumption and not for investment. Having available credit became a strategy to increase domestic production. It has been a theory that if people have a certain way or source to spend, there would be a greater demand for consumer goods.

Most consumer reports are important in advising consumers to do three things when considering purchasing a product. a) research, research and more research, b) comparison shopping, and c) how will this product fit into my lifestyle.

According to HealthDay News, new forecasts made by the federal government predict that health care spending will grow from 2.1 to 4.1 trillion dollar by 2016, approximately on fifth of our gross domestic product.

Consumer spending, increased investment and a hot housing market have led the UK economy to beat first quarter predictions. The GDP is up almost 3% from last year at the same time and is 2.8 per cent higher than earlier forecasts had expected.

There's a great deal of talk about the widespread woes in the housing market these days, as the economic troubles continue to ripple through every region in the land. But what about the trickle-down effect of these problems? If people are losing jobs, and homes, what becomes of the neighborhood store, restaurant or gas station? What happens when there's no one left to serve? Not only do the employees and owners of these once-vital conveniences and services find themselves in the unfortunate position of facing unemployment, and all that follows, but the closed down shops and empty malls just further add to the degeneration of an area.

We all know that consumer spending accounts for about 70 per cent of the gross domestic product (GDP) growth in this country. And when confidence is low, you also know consumers may be more hesitant to spend, holding back on any major purchases, such as homes, vehicles, furniture, appliances and travel, to list a few. This will impact spending and GDP growth and the ability of companies to expand their businesses and hire. This is George's concern; he feels that continued nervousness among consumers will impact GDP.

If you are thinking of mortgage refinancing then there is one thing you might want to know and that is - you should stay away from ARMs (adjustable rate mortgages)... And if you are wondering why anybody would want to do that, especially since ARMs promise such low interest rates, well here's why...

Getting yourself out of debt can subject you to numerous hassles such as calls and demand letters from collection agencies, high interest rates, and others. But you do not have to go through all of these by simply learning how to effectively manage your consumer debt. Here are two tips on how to go about with debt management.

The pre-Christmas period is the peak time of the year for retail sales, and many department and other stores depend on a successful Christmas for their annual profits. There is another side to that coin: the same period is also the peak time for consumer spending. A surge in consumer spending often means a jump in borrowing to support that spending in the stores.

Credit and debit cards have greatly increased consumer purchasing power. In the past banks were closed on weekends and you needed cash or a check with an indentification document to make a purchase. That was before the plastic was created. Now with credit and debit cards being accepted almost everywhere there is no need to carry cash or write a check.
Article Tags: credit cards, debit cards


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