{"id":22868,"date":"2025-07-23T04:55:00","date_gmt":"2025-07-23T04:55:00","guid":{"rendered":"https:\/\/chicagodesavanja.us\/vecina-ispitanika-prenosi-dug-iz-meseca-u-mesec\/"},"modified":"2025-07-23T04:55:00","modified_gmt":"2025-07-23T04:55:00","slug":"vecina-ispitanika-prenosi-dug-iz-meseca-u-mesec","status":"publish","type":"post","link":"https:\/\/chicagodesavanja.us\/en\/vesti\/vecina-ispitanika-prenosi-dug-iz-meseca-u-mesec\/","title":{"rendered":"Skoro \u010detvrtina Amerikanaca veruje da nikada ne\u0107e otplatiti dug po kreditnim karticama"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Prema najnovijoj anketi kompanije <strong><a href=\"https:\/\/www.bankrate.com\/credit-cards\/news\/credit-card-debt-report\/\" target=\"_blank\" rel=\"noopener\">Bankrate<\/a><\/strong>, \u010dak 23% Amerikanaca sa dugom po kreditnim karticama veruje da se nikada ne\u0107e izvu\u0107i iz dugova. Ova zabrinjavaju\u0107a statistika osvetljava duboku finansijsku nesigurnost, posebno me\u0111u Generacijom X i baby boomerima, i ukazuje na sve ve\u0107i jaz izme\u0111u svakodnevnih tro\u0161kova i finansijskih mogu\u0107nosti mnogih doma\u0107instava u SAD.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Dug koji traje godinama<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Skoro polovina ispitanika (46%) priznaje da nosi dug iz meseca u mesec, dok je 60% njih u dugovima du\u017ee od godinu dana. Ovaj broj je porastao u odnosu na 2024. godinu kada je iznosio 53%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Iako se kreditne kartice koriste u svim prihodovnim grupama, zadu\u017eenost je najizra\u017eenija me\u0111u ljudima koji zara\u0111uju manje od $50,000 godi\u0161nje \u2013 \u010dak 56% njih redovno ima dug po kartici. Nasuprot tome, me\u0111u onima koji zara\u0111uju vi\u0161e od $100,000 godi\u0161nje, samo 34% nosi mese\u010dne dugove.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Glavni razlozi \u2013 hitni tro\u0161kovi i svakodnevni \u017eivot<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Naj\u010de\u0161\u0107i uzroci zadu\u017eivanja su <strong>hitni tro\u0161kovi<\/strong>, kao \u0161to su:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Popravke automobila (11%)<\/li>\n\n\n\n<li>Zdravstveni tro\u0161kovi (10%)<\/li>\n\n\n\n<li>Popravke u ku\u0107i (8%)<\/li>\n\n\n\n<li>Drugi neo\u010dekivani tro\u0161kovi (16%)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pored toga, 28% ispitanika navodi da su <strong>osnovni \u017eivotni tro\u0161kovi<\/strong>, poput <strong>namirnica i brige o deci<\/strong>, razlog za kori\u0161\u0107enje kreditnih kartica. Jo\u0161 20% zadu\u017euje se zbog kupovine, putovanja i zabave.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Plan otplate \u2013 za mnoge nepoznanica<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Manje od polovine ljudi sa dugom (48%) ima bilo kakav plan otplate, \u0161to dodatno pogor\u0161ava situaciju. Ted Rossman, vi\u0161i analiti\u010dar u Bankrate, isti\u010de da je ovo \u201czabrinjavaju\u0107e, ali ne i iznena\u0111uju\u0107e\u201d, jer se mnogi Amerikanci i dalje ne suo\u010davaju otvoreno sa sopstvenim dugovima.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201eMoramo skinuti stigmu sa kreditnog duga\u201c, ka\u017ee Rossman. \u201eUz rekordno visoke kamate, va\u017eno je da se ljudi informi\u0161u i preduzmu konkretne korake.\u201c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kako se boriti sa kreditnim dugovima?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Bankrate<\/strong> preporu\u010duje slede\u0107e strategije:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Napravite detaljan pregled svih dugova: iznosi, kamatne stope i minimalne uplate<\/li>\n\n\n\n<li>Razmotrite <strong>0% APR balance transfer kartice<\/strong> za usporavanje rasta kamata<\/li>\n\n\n\n<li>Napravite bud\u017eet koji stavlja <strong>prioritet na otplatu dugova<\/strong><\/li>\n\n\n\n<li>Potra\u017eite pomo\u0107 kod <strong>neprofitnih organizacija<\/strong>, kao \u0161to je <strong>Money Management International<\/strong><\/li>\n\n\n\n<li>Razmislite o dodatnim prihodima (freelance, side hustle)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">U vremenu kada kamate dosti\u017eu rekordne nivoe, a tro\u0161kovi osnovnih potreba neprestano rastu, kreditni dug za milione Amerikanaca postaje za\u010darani krug iz kojeg se te\u0161ko izlazi. Iako je put do finansijske slobode izazovan, uz jasnu strategiju i podr\u0161ku \u2013 mogu\u0107e je iza\u0107i iz duga.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:10px\">SOURCE: <a href=\"https:\/\/www.fox32chicago.com\/news\/credit-card-debt-survey-2025\" target=\"_blank\" rel=\"noopener\">FOX32CHICAGO<\/a> PHOTO: PIXABAY<\/p>","protected":false},"excerpt":{"rendered":"<p>Prema najnovijoj anketi kompanije Bankrate, \u010dak 23% Amerikanaca sa dugom po kreditnim karticama veruje da se nikada ne\u0107e izvu\u0107i iz dugova. Ova zabrinjavaju\u0107a statistika osvetljava duboku finansijsku nesigurnost, posebno me\u0111u Generacijom X i baby boomerima, i ukazuje na sve ve\u0107i jaz izme\u0111u svakodnevnih tro\u0161kova i finansijskih mogu\u0107nosti mnogih doma\u0107instava u SAD. Dug koji traje godinama [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":16288,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[368,369],"tags":[25893,538,25894,25895,25896,2785,25897,25898,25899,2574,25900,2427,25901,25902,25903,17270],"class_list":["post-22868","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vesti-amerika","category-vesti","tag-0-apr","tag-amerika","tag-bankrate-anketa","tag-dug-po-karticama","tag-dugovi-amerikanaca","tag-finansijska-pomoc","tag-finansijski-problemi","tag-kako-otplatiti-dug","tag-kreditna-zaduzenost","tag-kreditne-kartice","tag-kreditni-dug-sad","tag-licne-finansije","tag-mesecni-dug","tag-money-management-international","tag-otplata-duga","tag-ted-rossman"],"_links":{"self":[{"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/posts\/22868","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/comments?post=22868"}],"version-history":[{"count":0,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/posts\/22868\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/media\/16288"}],"wp:attachment":[{"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/media?parent=22868"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/categories?post=22868"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/tags?post=22868"}],"curies":[{"name":"WP","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}