美国假日购物新习惯：共和党人更爱消费

在送礼方面，男人不仅健忘、懒惰，还千篇一律，尤其是在冬季假日期间。数据不仅支持了这一论点，还显示一些男性在购物上同样属于具有前瞻性的早起鸟儿。

LendingTree旗下的信用卡研究和申请网站CompareCards的一项研究显示，男性在美国劳工节（9月的第一个周一）之前结束假日购物的概率比女性要高出三倍。与此同时，男性很晚才开始购物的概率也要翻倍，7%的男性表示他们会在12月15日以后开始购物，只有3%的女性选择这么做。

这项研究针对美国超过一千名信用卡持有者，调查了他们2018年假日季的消费和债务情况。研究成果涉及不同财力、性别和政治立场的人士的购物时间、购物总价和购物习惯。

总体来看，美国有七分之一的信用卡用户在开学时间（9月6日至7日）已经完成或接近完成假日购物了，此时离圣诞节还有100天。约有39%的受访者直到感恩节来临才会开始购物。

不令人意外的是，可支配收入较高，即年收入超过10万美元的受访者，完成购物的可能性更高。收入高出这一界限者，有约37%完成了购物，不足者完成率仅有5%。受访者越富有、受教育程度越高，进行网购的可能性也越大。

整体来看，美国人对线上和线下购物的偏好相差无几。约有26.5%的人更喜欢网购，27.1%的人更青睐实体店面。

只有21%的受访者表示他们这次假日季的预计开销低于去年，有37%认为自己的消费会有所提高。一旦礼物已经购买，账单已经生成，有54%的美国信用卡用户会在一个月内还清账单，另有8%则会用八个月或更长时间来还债。

今年增加花销的共和党人最多，比例达到39%，消费升级的民主党人和无党派人士分别占各自群体的34%和31%。（财富中文网）

译者：严匡正

Men are often stereotyped as forgetful and lazy when it comes to gift giving, particularly during the winter holiday season. While statistics back that up, they also show some men are proactive early birds when it comes to shopping, too.

According to a study done by CompareCards, a website owned by LendingTree for researching and applying for credit cards, men are three times likelier than women to have finished their holiday shopping prior to Labor Day. At the same time, men are twice as likely to start late, as 7% said they will start shopping after December 15 and only 3% of women said the same.

The study surveyed more than 1,000 credit card holders in the United States on their holiday shopping and debt for the 2018 season. It resulted in findings regarding the timing of shopping, total money that will be spent, and habits of people with different wealth levels, genders, and political views.

Overall, 1 in 7 U.S. credit card holders had finished or were close to finishing their holiday shopping at the time of the study (September 6-7), with just over 100 days until Christmas. About 39% of those surveyed won’t start shopping until Thanksgiving has come and gone.

Unsurprisingly, people with more disposable income, making more than $100,000 a year, are more likely to be done with their shopping. About 37% of people making north of that are finished, while only 5% making less are done. Wealthier and more educated survey respondents were more likely to spend their money online, as well.

Americans as a whole are almost evenly split on their preferences for shopping online or in-store. About 26.5% prefer to shop online, while 27.1% shop more often in brick and mortar stores.

Only 21% of people surveyed said they expect to spend less money this holiday season than last, while 37% expect to spend more. Once the gifts are bought and the debt has been accrued, 54% of American credit card holders will pay off their balance within a month. And 8% will take eight months or more to pay their holiday debt off.

Republicans are most likely to spend more money this year than last, at 39%. About 34% of Democrats and 31% of Independents said the same.