FinExpertiza analysts identified the regions where residents spend maximum and minimum
MOSCOW, December 14 – RIA Novosti. In 2022, Russians reduced their spending for two quarters, and in the third quarter, an average of 36,000 rubles per month, or 78.2% of revenue, was spent on the purchase of goods and services from citizens, which analysts of the FinExpertiza audit and consulting network calculated for the RIA. novosti At the same time, according to his data, spending in the Tyumen region was more than cash receipts, and the least – only a third of income – was spent by residents of Chukotka.
Consumer spending of the population includes spending on the purchase of goods and services for cash and non-cash payments, including online purchases. However, they do not take into account mandatory payments such as taxes and loan interest. Income includes wages, self-employment and business income, social transfers, property income and other cash receipts.
“Household expenditures in Russia have been declining for two consecutive quarters. When inflation is taken into account, consumer expenditures decreased by 7 percent in the second quarter and by 6.4 percent in the third quarter compared to the same period of the previous year. Due to the quarantine.” Analysts have calculated that due to restrictions, people have fewer opportunities to spend money outside of their homes.
The Tyumen region, the leader among regions in terms of consumer spending by income, in the third quarter of 2022 residents spent 104.8% of their current earnings, or 38.9 thousand per day on the purchase of goods and services. moon. This means that the population spends their savings, among other things. In second place was Kabardino-Balkaria, where consumer expenditures amounted to 96.3% of income, or 32.2 thousand rubles.
This is followed by the Pskov region (94.8% or 32.1 thousand rubles), Khakassia (93.4% or 27.7 thousand rubles), the Altai Republic (92.9% or 25.1 thousand rubles), the Kaliningrad region (92%). ,6 or 32,3). thousand rubles), Dagestan (91.7% or 32 thousand rubles), Astrakhan region (90.9% or 26.7 thousand rubles), Krasnodar Territory (90.2% or 50.8 thousand rubles) and Primorsky Territory (% 90.1 or 40.7 thousand rubles) .
The lowest consumer spending by income, Chukotka Autonomous Okrug (33% of income or 36.1 thousand rubles per month), Nenets Autonomous Okrug (34.8% or 33.1 thousand rubles), Yamalo-Nenets Autonomous Region ( 40%, 1 or 42.5 thousand rubles), Magadan region (55.2% or 46.3 thousand rubles), Karachay-Cherkess (60.7% or 13.4 thousand rubles), Khanty-Mansi Autonomous Okrug (61.2%) or 39.9 thousand rubles), Kalmykia (61.7% or 14.9 thousand rubles), Ingushetia (65.7% or 13.1 thousand rubles), Tyva (68.1% or 14.6 thousand rubles) and Moscow (68.2% or 68.5 thousand rubles).
Saving behavior pattern
Elena Trubnikova, Head of FinExpertiza, said that since March, Russians have begun to shift to a model of savings behavior facilitated by the general state of uncertainty and rising deposit rates. As of mid-spring, the retail trade turnover started to decline in real terms. In autumn, it was about 10% lower than last year. As consumers moved away from non-essential spending, spending on non-food items fell faster than on food.
At the same time, Trubnikova points out that consumer demand declines more markedly in more affluent developed regions than in the country as a whole: People with extra money prefer to set it aside. In addition, the outflow of population has contributed to the reduction of effective demand. A long trip abroad can primarily be afforded by people with savings or stable remote work.
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