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Business / Finance

Salary, 13th. Scared to spend?

Banki.ru: themes of the day 24.12.2018 at 21:04

Banking and financial news on the website Banki.ru

In Russia there is a tradition to reward employees awards and bonuses at the end of the calendar year. Who will get the biggest prize, and who pay a symbolic amount?

In General, the country should expect growth in premiums by 6.55% compared to last year, and the amount of the premium, on average, can be a little more than 13 thousand rubles. This is stated in the study by the research service of the international auditing and consulting network FinExpertiza. The study is based on statistics of the December payments in the previous three years. New year payments, close in size to the 13-th salary, will be employees of the financial sector, extractive industries, government officials and the military. On average, the financiers can count on a premium of 82 million, is the maximum expected payout for the year. Less likely to get workers the hotel industry — it is assumed that their bonuses will amount to 2.3 thousand rubles.

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the Five regions, whose residents get the biggest prize, as follows: Sakha Republic, Chukotka Autonomous Okrug, Moscow, Russia, KHMAO-Yugra and Tyumen oblast.

the Employers want to somehow reward its employees in anticipation of the New year, because for Russians, this holiday is connected with the summing up and the future of faith, says the Dean of the Higher school of marketing and business development HSE Tatiana Komissarova.

"it is Very important to please the employees, as the Russians have faith in the future is most often associated with the end of the calendar year and the beginning of a new, — says Komissarova. We wish each other new achievements. Hope that a better future will come in the next year, very typical of our population. Western companies, for example, pay awards for the financial year, the results of which are fed in April. We also important to give people a sense of celebration. However, I would not say that widespread payment of the 13th salary, rather it is a prize that is bound to the implementation of the plans. Or intangible motivation such as kids gifts or corporate".

to Save or to spend?

Christmas prize the Russians are spending on gifts and travel, but there are more Thrifty citizens who send more income on the deposits.

So, the banks attributed the increase in deposits in December, with the payment of premiums and bonuses. "Indeed, in December traditionally offer significantly more deposits than in other months. In this regard, and there is a growth that is open to deposits, not withdrawals in December. Special peak on the number of opened deposits accounts for the period from 20-th of December to mid-January. Perhaps the reason is the payment of new year and annual awards," says head of sales of Deposit services of the Bank "East" Andrei Happy. "Another reason may be the desire to lock in higher rates for seasonal deposits. It is no secret that in December banks have launched their best deals on deposits, with the most attractive profitability conditions during the year. Often people are waiting for Dec to shift with the capitalization of your fitting towards the end of last year's contributions," he said. Director of retail products ICD Alexei Korsin indicates that, in addition to the opening of deposits, customers spend money to buy gifts and vouchers for Christmas holidays. "The clients-borrowers, on the contrary, spend less in December and try to prepay existing loans," he adds.

From 50 thousand and above

the Christmas holidays will make the rich richer and the poor poorer. Those who receive the 13th salary or bonus, increase their savings, and people with low incomes in January would go for microloans.

According to the founder of the service for personal Finance management CoinKeeper Ilya Chernetsky, customers with income more than 200 thousand rubles — it can be both, individual users and families with income of both spouses — make the most of the savings in December.

"at the expense of annual premiums, bonuses and the 13th salary they are able to defer more than 20% of income. The average level of savings per month from these users is 10%, that is in December they lay in the Treasury in two times more than usual. The same trend is typical for users with incomes between 100 thousand to 200 thousand rubles (aside 10% of income instead of the standard 5%) and from 50 thousand to 100 thousand rubles (lay 5% of income). January all user groups returns to the average level of spending and savings. Users with a salary of less than 50 thousand rubles nothing aside in December, while in January they climbed in the big debts", — said Chernetsky.

Those who failed to calculate their costs, forced in January to apply for loans to survive from paycheck to paycheck. "This year in January, Russia had issued about 1.5 million of micro-loans compared to 2.1 million in December 2017, January 2017 — 1.4 million against 1.9 million in December 2016. In January 2019 will be issued, likely no more than 1.6—1.7 million of loans, — said General Director of IFC "City savings Bank" Alexander Mamonov. — Most of the loans to the needs of the first necessity, because after the holidays the majority of borrowers have no money. The inability of borrowers in December, the salary for two months to plan the budget forces them to appeal to the MFO in January to survive until the next paycheck."

The way people manage their money, not by they get a prize or not, and their traditional preferences. People aged over 45 years are more likely to postpone additional money on Deposit, and those who are younger and have small children, will likely spend them on buying.

"is Often the opening of the "new year" Deposit or, on the contrary, taking credit for Christmas spending is determined not by the receipt or non-receipt of bonus, and traditional preferences, customer profile and his penchant for spending, savings and investments, that is, the bonus just increases the vector and stream, which is traditionally characteristic for this client. Here is an important difference in age groups and by financial security. Older and more affluent, with deposits from 400 thousand rubles, more prone to savings, and younger, up to 45-50 with children — more spending" — summarizes the adviser of the Chairman of the Association "Financial innovation" Murad Salikhov.

Anna PONOMAREVA, Banki.ru