2023-09-18 06:26:00
The statistician asked people how much money would be enough for them to get by. The surprising answers he got
Electricity billPhoto: Tommaso79 / Dreamstime.com
In Romania, one out of 5 families has arrears in paying bills – whether it’s maintenance/rents, utilities, bank installments, etc. Most of the arrears were on energy and maintenance bills (about three-quarters of those in arrears). The INS asked Romanians what salary they should have to cover expenses.
In terms of the ability to pay important current expenses on time (house maintenance, loan installments2, utility payments, etc.) it can be noted that 18.5% of households mentioned that there was at least one situation in which they could not pay time some of these expenses, a situation caused, mainly, by the unsatisfactory financial situation.
Among the payments for which arrears were registered during the year 2022, the most frequent cases were those with electricity (75.0%) and those with housing maintenance (68.1%). Rent arrears registered 14.6% of homes, Statistics shows in a research.
The first counterintuitive result: women would settle for less money
In Romania, there are about 7.5 million families, according to Statistics. About 5.2 million are headed by men and 2.3 million are headed by a woman, INS data also show.
About 3,000 male-headed families say that the minimum net income must be at least 4,000 lei to cover all expenses. In the case of women, just over 800 families would claim such a level. In July, the average net salary was over 4500 lei net.
In the US for example, at one sounding similarAmericans said that to be financially comfortable, they would need a salary of about $233,000 a year on average, which is more than three times the median income of American households (about $71,000 a year)
One-person families would settle for less
Obviously, the larger the family, the greater the needs. When you have 4-5-6 children, it is clear that the resources you need are greater. Otherwise, in all other categories the needs are the same: over 4,000 lei
In our country, only 15% of families say they could meet current expenses with a net monthly income of less than 2,001 lei, according to the INS research. Slightly higher (18%) is the percentage of those who would need an income of 3,000 lei, a percentage equal to that of families who could manage with 3-4,000 lei monthly.
Half of the families surveyed by Statistica say that the net monthly income needed to cover current monthly expenses should be more than 4,000 lei.
In general, note the statisticians who conducted the survey, there is a tendency to increase the share of households that believe they need an increasing net monthly monetary income to cope with expenses.
Appreciation differs greatly between families living in the country and those living in the city.
Thus, if in the rural environment more than 20% of the families consider that they can cope with the household’s current expenses with a net monthly income of less than 2001 lei, in the urban environment, only 9.7% of the families considered that a net income is necessary monthly less than 2001 lei to cover current expenses.
In the case of urban families, almost 60% say that they would need for the household’s current monthly expenses of
amounts exceeding 4000 lei per month, compared to 39% of families living in rural areas.
Low incomes, below 2001 lei, are considered necessary to cover the current expenses of the family, mainly those formed by a single person aged 65 or more (35.5%).
High incomes, over 4000 lei net monthly, are considered necessary by more than half of the 2-person families. The share of households with 3 or more people, who consider incomes of over 4000 lei net monthly, necessary to cover the household’s current expenses, is around 70%.
Also, high incomes, over 4000 lei net monthly, are also considered necessary by over 75% of households with two adults and 3 or more dependent children, as well as by 68.1% of households consisting of two parents and 2 children addicts.
By region, the most families that would not settle for less than 4,000 lei net are those from Moldova, which is also one of the poorest and most underdeveloped regions in the country.
Families from Bucharest, Ardeal and Muntenia are almost equal (560 families each), and in Oltenia only 265 families would like high salaries.
In 2022, the share of households in arrears decreased in the case of single-parent families with a minor child in
maintenance, but increased by almost 10% in the case of families consisting of two adults with 3 or more children.
Families made up of unemployed people are in the most difficult situation, the share of households that could not pay their debts on time being 50%. Of these, over 80% registered at least one arrears in the payment of electricity and almost three quarters had delays in the payment of home maintenance expenses (water, gas, heat).
Photo source: Tommaso79/Dreamstime.com
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