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Multilateral COMENIUS-Schoolpartnership. „Consumer behaviour of young adults in European comparison“ Graphics and comments upon a survey carried out at the Ems-Berufskolleg, Rheda-Wiedenbrück in February 2008. 1. How much money do you spend on average per month?.
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Multilateral COMENIUS-Schoolpartnership „Consumer behaviour of young adults in European comparison“ Graphics and comments upon a survey carried out at the Ems-Berufskolleg, Rheda-Wiedenbrück in February 2008
1.How much money do you spend on average per month? Almost one third of our students spend between €51 and €100 per month. Another noticeably large number spends more than €150 per month (27.17%).
2. What do you most frequently spend your money on? A quarter of the money is spent on nutrition; the other important expenses are for fashion, going out and vices. Mobile phones, magazines, books and multimedia make up the smallest part.
3. Where do you do your shopping? Students still resort to shops and shopping centres as the most important places to do their shopping. The second most important category which was chosen by 56% is “catalogue”, followed by 44% who do their shopping via Internet.
4. What influences your decision to buy something?Choose five most important. Generally speaking “price-quality rapport”, “being up-to-date” and “friends” are the three most important factors that influence the students’ decision to buy something. Looking at the results in detail it is important to point out that “Being up-to-date” was chosen by 34% in first place, price-quality rapport in second place by 31% and parents and necessity share the third place with 22% each.
5. What limits your spendings?Choose five most important. The students’ spendings are most strongly limited by the price, their own savings and their families. Religion doesn’t seem to have an influence on our students in this regard.
6.1 Religion influences consumer behavior of young people. The majority is convinced that religion doesn’t influence the decision to buy something.
6.2 Education and upbringing influences consumer behavior of young people. Although one third of the respondents is not sure whether education and upbringing influences consumer behaviour, the majority (57%) believes that these factors definitely have an influence.
6.3 The environment (place where people live) influences consumer behavior of young people. Most students believe that young people are influenced by their environment.
6.4 You would be able to commit a crime for the sake of money. Fortunately 80% say that they would not be able to commit a crime for money. Nevertheless almost 9% admit that they might be able to do so.
6.5 You have already committed a crime because of money. Almost 89% have not done anything illegal, but almost 8% admit to having committed a crime for the sake of money.
7. Are you able to control your need to borrow money? The great majority is able to control this need.
8. What part of your money is borrowed? Since most young people try to avoid borrowing money only a small proportion is actually borrowed. However, 34% of the students who borrow money say that a quarter of their money is borrowed.
9. What did you need the money for?Choose five most important. The biggest part of the students’ money was used for fashion, going out, nutrition and cosmetics or products of personal hygiene. Once again the expenses for books, magazines and multimedia make up the smallest part.
10. Has anything changed since you have borrowed money? Only approximately 12% of the people who have borrowed money state that something has changed since then.
If yes, what has changed? The same number of students state that they sometimes argue with their parents about money, that they have to limit their spendings now and for this reason don’t enjoy doing things anymore. A smaller group says that their academic performance has deteriorated since having borrowed money.
11. Have you ever been in a situation when you were unable to repay the money you had borrowed? 26% never borrow money, therefore they have not been in this situation. Around 11% of the remaining respondents admit that they have failed to pay back the money.
12.1 It is very important for me to be able to pay back my debts as soon as possible. For around 98% of our students it is important to pay back their debts as soon as possible.
12.2 It is absolutely normal to be in debt nowadays. The students disagree about this statement, but a majority of 67% says that it is not normal to be in debt.
12.3 I have already thought about how to get some money to be able to pay back my debts faster. As most students think it is important to pay back their debts fast 69% have already thought about how to get some money.
12.4 If I can`t pay back the money myself,my parents will do it for me. The opinion on this is divided: Only 14% strongly agree that their parents will pay off their debts for them. The other answers (from some agreement to a strong disagreement) were chosen by similar numbers of students (25-31%).
12.5 Even when i`m in debt,I think about spending more money. The majority (56%) disagrees with this statement. Most students don’t think about spending more money when they are in debt. However, around 32% don’t feel a restriction to spend money when they are in debt.
12.6 I think it`s ok to be in debt, because my parents are also indebted. The great majority of 75% don’t regard their parents’ indebtedness as a positive example. On the other hand, this answer might just show that their parents don’t have any debts.
12.7 As long as the person who has lent me money doesn`t ask to get it back, I don`t remember to pay it back. Around 73% disagree with this statement and don’t think that their will to pay back the money depends on the other person’s behaviour.
12.8 I`m worried that I won`t be able to pay off my debts. Quite a lot of students (57%) are worried that they might not be able to pay back their debts, which might be a sign of responsibility.
13. In order to satisfy a need of consumption which exceeds your budget, which do you prefer: saving (to be able to fulfill your need soon) or borrowing the ecessary money? Once again this result shows that our students don’t resort to borrowing money very much. Almost 87% prefer saving money if they want to buy something which exceeds their budget.
14. Have you saved any money? 86% have already saved money.
15. What have you saved money for? Choose five most important. The two most important answers (fashion and going out) correspond with the earlier question what the students have spent their money on. In addition, they save money for hobbies, mobile phones, transport and cosmetics.
16. How do you save your money? Choose five most important. The savings book is the most popular form of saving money, followed by a piggybank. The answers “cheque account” and “I don’t know, my parents do it for me” were also chosen buy a lot of respondents. Securities with a fixed rate of interest don’t seem to be popular with young people.
17. Do you sense that you are protected as a consumer? 62% feel protected as a consumer, the rest doesn’t.
18. Which of the following means of protection mostly impact you?Choose five most important. All means given as categories seem to have an impact on our students. Almost 30% chose “school education” in first place, followed by “state institutions and laws”.
19. How many people live in your city? The majority of our students lives in a city with 20,000-100,000 inhabitants.
20. How many people live in your household? Almost 96% live in a household with 3 or 4 people.
21. What is your family income? Only a few families have an income of less than €1000. 32% of the families earn between €1000 and €2500, a quarter earns €2500-3000 and around 38% earn €3000 or more.
22. How big is your monthly income? The students’ monthly income is very different. The biggest number (29%) has an income of €25-50, only 12% have €200 at their disposal.
23. Which is the main source of income supporting your personal expenses? Their parents are definitely the most important source of income for our students. In addition, 28% earn money themselves (part-time jobs/holiday jobs).
24.What age are you? The majority of students is between 16 and 18 years old.
25.What is your sex? A little less than a third is male, the rest is female.
26.Where are you from? 98% of the respondents are German.
Multilateral COMENIUS-Schoolpartnership This project is realised with the financial support received from the European Commission within the Comenius Lifelong Learning Programme. The content of the publication is the sole responsibility of its publisher(s), and it in no way represents the views of the European Commission or its services.
