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KUALA LUMPUR: Malaysia’s Gen Ys are experiencing significant financial stress early in their life with many living beyond their means and trapped in emotional spending, according to a new study by the Asian Institute of Finance (AIF).
The survey showed a majority of Gen Ys were relying on high cost borrowing, with 38% reported to be taking personal loans and 47% engaged in expensive credit card borrowings, while only 28% felt confident in their financial literacy.
It also showed that an alarming 75% of Gen Ys have at least one source of long-term debt such as car loans, education loans and mortgages, while 70% of those who own credit cards tended to pay the minimum monthly payment and 45% did not pay debt on time at some point.
The report said although making up the largest consumer pool and having high spending power, the Gen Ys were lacking confidence in financial literacy as the majority of them (58%) rated themselves as having average financial knowledge.
“Despite being the most educated generation to date, Gen Ys are accruing debt at an earlier age and lack understanding when it comes to financial planning.
“Many of them are on the back foot when it comes to long-term financial security as they accrue debt before they even enter their professional careers,” said AIF chief executive officer Dr Raymond Madden in a statement.
“Managing money well and making sound financial decisions are essential life skills that must be learned over a lifetime to ensure financial fitness in the future.
“With the ever-increasing complexity and diversity in financial products and markets, the Millennials are more likely to bear more financial risk than previous generations, pointing to a critical need for behavioural changes in money management,” he said.
The AIF report, themed “Finance Matters: Understanding Gen Y - Bridging the Knowledge Gap of Malaysias Millennials”, surveyed over 1,000 young professionals aged between 20 and 33 years old.
Read more at http://www.thestar.com.my/business/business-news/2015/10/16/study-malaysias-gen-y-living-on-financial-edge/#QzeMMkI66gsdCQLe.99
Saya pernah mengulas isu yang hampir serupa sebelum ini. Tentang gaya hidup generasi kita yang cenderung ke arah bermewah-mewah dan gemar berbelanja di luar kemampuan sendiri. Tekanan ekonomi sekarang yang tidak stabil saya kira menerukkan lagi keadaan. Stres ekonomi boleh saja memberi impak kepada sosial - tekanan mental, kahwin lewat, rasuah, bersekududukan/zina dll. Ia berkaitan. Sebahagian puncanya saya kira gaya hidup, dan sebahagiannya juga mungkin berpunca daripada sistem dalam masyarakat yg mencetuskan tekanan berhutang. Yelah, logiknya, bila dah kereta viva tu pun dah cecah 20-30 ribu, saper ader duit cash banyak cam tu nak beli kete kan? Lebih-lebih lagi yang baru habis belajar. Sambung belajar pun dah dibebani hutang pinjaman pelajaran, keluar universiti sambung hutang lain pulak - hutang kereta dll. Sebahagian hutang ini boleh dielakkan, sebahagiannya, sedih tapi kenyataan, terpaksa ditanggung juga.
Dalam banyak situasi anda boleh memilih. Pilihlah menjalani hidup sederhana jika keadaan kewangan anda tidak stabil. Apalah guna bermewah-mewah pada pandangan orang, tapi anda dalam diam-diam merana diri kerana dikelilingi hutang tak berkesudahan, duit tak cecah hujung bulan anda dah pokai, makan maggi jer, ikat perut. Pengaruh media sosial pun memainkan peranan, kadang-kadang kita tidak dapat mengelakkan diri membandingkan hidup kita dengan kawan2 di media sosial. Orang ni upload gambar shopping merata-rata di Malaysia, gi melancong, jalan-jalan tempat best-best, pakai baju best-best..nak tak nak sedikit sebanyak membandingkanlah jugak keadaan diri kita. Kalau iman tak kuat, mulalah terikut2 sama demi dapat menunjukkan 'aku pun boleh',waima perlu berhutang demi membiayai gaya hidup yang luar kemampuan itu.
Percayalah, hutang ni, sedikit or banyak, adalah satu beban emosi. Ia sedikit sebanyak menggugat kesejahteraan diri. Kalau dapat bayar hutang setiap bulan okaylah, bayangkan kalau hidup asyik terdesak jer? hutang asyik tak bayar? camner tuh? mahu tak stres asyik kena call orang bank? kalau mak bapak kaya takper jugak, kalau sebaliknya? kan naya?
Jom jalani hidup sederhana tapi bahagia. Hiduplah dalam lingkungan kemampuan. Jangan fikir sangat apa orang kata, jgn fikir sangat apa kawan-kawan kita ada. Yang penting, setiap bulan, kita happy sbb dapat mengurus kewangan kita dengan baik.
p/s: baru settle bil-bil rumah ;-) alhamdulillah
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