Americans are stocking up on toilet paper again because of COVID-19: why it's bad - ForumDaily
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Americans are stocking up on toilet paper again because of COVID-19: why it's bad

Stockpiling has become something of a national pastime, and fears of a second wave of the COVID-19 pandemic this winter only fuel the urge to stockpile. What can the desire to buy the most cost, the publication said USA Today.

Photo: Shutterstock

According to a December LendingTree study that polled over 1000 people about their shopping habits and plans, one in three Americans said they still plan to stock up on groceries. Another third of those surveyed said that they have already stocked up on food and household goods.

This is no longer surprising to shoppers who are once again faced with empty toilet paper shelves or continued restrictions from retailers such as Costco. They still restrict the sale of some high-demand items, such as Clorox wipes, to one pack per customer.

Stockpiling began with renewed vigor in October, when COVID-19 diseases began to rise, but since then, the pandemic has only worsened. Experts say stockpiling provides a psychological sense of comfort and preparedness during a crisis.

On the subject: Six items worth stocking up on before the alarmists sell out

«Мы наблюдаем это с ураганами, метелями, и мы видим это с пандемией, — сказал Мэтт Шульц, главный кредитный аналитик LendingTree. — Подобные ситуации заставляют людей принимать меры, чтобы убедиться, что с ними будет все в порядке, если вдруг повторится ситуация, которая была весной».

But this stockpiling behavior can lead to some negative consequences, such as making it difficult for others to find basic necessities such as toilet paper and disinfectant.

Arrears

People who accumulate stock have a flip side to the coin: some of them spend too much money and run into debt. According to LendingTree, consumers say they've spent an average of $ 359 on inventory lately (up from $ 178 in the spring).

This creates a financial hole for some consumers as they accumulate credit card debt associated with stockpiling for the pandemic.

«Важно, чтобы люди боролись с этими импульсами и побуждениями купить что-то и сделали шаг назад, чтобы понять, что им нужно, а что нет», — говорит Шульц.

To be sure, Americans are spending more on groceries and cleaning supplies in general, but they are also cutting back on travel and dining out during the pandemic, said John Beerbaum, president of research and technology firm Highland. The study found that four in 10 Americans stay at home more often, and more than 6 in 10 are less likely to eat out.

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«Это способствует увеличению общих затрат на продукты», — отмечает Бербаум.

No stocks for a rainy day

Another drawback: Nearly half of Americans surveyed by Highland said they ran out of emergency funds, and 8 out of 10 said they could not afford the $ 500 emergency spending. According to a study by the Federal Reserve System, about 4 in 10 consumers before the pandemic said they could not pay for the $ 400 emergency expenses without borrowing.

«Допустимая финансовая погрешность большинства американцев настолько мала, что эти дополнительные $150–$200, которые они тратят на запасы, уже усложнят некоторым людям соблюдение своего бюджета», — говорит Шульц.

Before stockpiling, financial experts advise consumers to take a few steps to avoid cost overruns or debt.
  • Budget for 2021

Конец года — хорошее время для начала составления бюджета, если вы еще не начали, отмечает Коллин МакКрири, главный специалист по персоналу финансовой компании Credit Karma.

«Это идеальное время, чтобы подумать о своих ежемесячных расходах в целом, — отмечает она. — Подумайте о привычках, которым вы хотите отдать приоритет. Есть ли смысл накапливать запасы? »

  • Make a list before buying

Do not get carried away with shopping because there are few or other people grab them from the shelves. Prepare a list before heading to the store and stick to it.

On the subject: The second wave of panic purchases began in the USA: what to stock up on

«Люди забывают, что они делали запасы раньше и, возможно, уже накопили некоторые из необходимых товаров, — говорит МакКрири. — Не покупайте самую большую упаковку туалетной бумаги только потому, что вы предполагаете, что вам это пригодится».

  • Don't forget to save money for emergencies

Financial experts point out that building or rebuilding your emergency fund should not be sacrificed for hoarding.

«Люди должны понимать, что им нужно продолжать наращивать свой чрезвычайный фонд», — говорит Шульц.

Even if it takes longer to pay off the debt, it is important to transfer some money to this account. Otherwise, he says, the next time you face an emergency, you may find yourself even more in debt.

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