SMBC Consumer Finance Co., Ltd.
According to SMBC Consumer Finance, 45.2% of teenagers and 61.8% of women are “Oshikatsu” (Oshikatsu) Monthly Oshikatsu (Oshikatsu) spending average is 5,973 yen
Awareness Survey 2024 on Financial Sense among Teens
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SMBC Consumer Finance Co., Ltd. (President: Terumasa Takahashi, https://www.smbc-cf.com, service brand “Promise”) will be open for 5 days from July 12th to 16th, 2024, from 15 to 19 years old. We conducted the 2024 Awareness Survey on Financial Sense among Teenagers through internet research targeting students aged 1,000 and 2020, and published the aggregated results of a valid sample of 1,000 students. (Research partner company: Net Asia Co., Ltd.)
*The previous survey, “Teens’ Financial Awareness Survey 2023,” was conducted in July 2023 (announced on August 28).
[Questionnaire survey results]
[Teenage income and savings]
Income status of teenagers: 24.0% of high school students and 66.0% of university students have income other than pocket money.
Monthly income: High school students average 10,477 yen, university students average 40,826 yen
We asked 1,000 students (all respondents) between the ages of 15 and 19 nationwide about their income status.
First, when we asked all respondents (1,000 people) about their current income status, 23.2% said they had no income, 36.0% said their only income was pocket money, and 36.0% said they had income other than pocket money. It was 40.8%.
By student category, 27.7% of high school students said they had no income, 48.3% said their only income was pocket money, 24.0% said they had income other than pocket money, and university students, junior college students, vocational school students, and preparatory school students Among students (hereinafter referred to as “university students, etc.”), 16.5% said they had no income, 17.5% said their only income was pocket money, and 66.0% said they had income other than pocket money.
When asked about their monthly income, the average monthly income was 10,477 yen for high school students and 40,826 yen for university students.
Compared to the results of the previous survey, the average monthly income for high school students decreased by 1,173 yen (from 11,650 yen in the previous survey to 10,477 yen in this survey), while it increased by 2,680 yen for university students (38,146 yen in the previous survey). yen → 40,826 yen).
[Image 1: https://prtimes.jp/i/39964/18/resize/d39964-18-5be6b17abae08f21b3a3-0.jpg&s3=39964-18-3c5ba48c99b4d5bf06ef7bf3ffbabac9-1000×982.jpg] Pocket money per month: High school students average 3,764 yen, university students average 10,341 yen
How to receive pocket money: “Cash only” 76.8%, “Electronic money only” 3.0%, “Both cash and electronic money” 20.2%
Next, I asked about my pocket money.
When we asked all respondents (1,000 people) how much pocket money they receive from their families per month, the average was 3,764 yen for high school students and 10,341 yen for university students. Compared to the results of the previous survey, the average amount of pocket money received from their families decreased by 597 yen for high school students (from 4,361 yen in the previous survey to 3,764 yen in this survey), but increased by 1,025 yen for university students (previous survey). Survey result: 9,316 yen → current survey: 10,341 yen).
When we asked people who received pocket money from their families (539 people) how they received their pocket money, 76.8% answered “only in cash” and “only in electronic money (such as PayPay)”. “Both cash and electronic money (PayPay, etc.)” accounted for 20.2%. Although cashless payments are becoming more common, it seems that in the majority of cases, pocket money is only exchanged in cash. By student category, the percentage of those receiving only cash was 78.1% for high school students, 4.3 percentage points higher than for university students (73.8%).
By area of residence, the highest percentage for “cash only” was found in Kinki (84.4%), the highest percentage for “electronic money (PayPay, etc.)” was highest in Hokuriku/Koshinetsu (9.5%), Kyushu and Okinawa (32.1%) had the highest rate of “both cash and electronic money (PayPay, etc.)”.
[Image 2: https://prtimes.jp/i/39964/18/resize/d39964-18-97f750358a6ea19beaea-1.jpg&s3=39964-18-de443a3746df129f8bf217a381dc088e-1000×976.jpg] Monthly part-time work fee: Average 6,402 yen for high school students, 29,993 yen for university students etc.
I asked about income from part-time work.
When we asked all respondents (1,000 people) how much their part-time jobs cost per month, the average cost was 6,402 yen for high school students and 29,993 yen for university students.
Compared to the results of the previous survey, the average monthly part-time work fee for high school students decreased by 627 yen (from 7,029 yen in the previous survey to 6,402 yen in this survey), but increased by 1,495 yen for university students (28,498 yen in the previous survey). yen → 29,993 yen in this survey).
Both the average amount of pocket money received from family and the average amount of monthly part-time job expenses have decreased for high school students since the previous survey, but have increased for university students and others since the previous survey.
[Image 3: https://prtimes.jp/i/39964/18/resize/d39964-18-f4c6b76d7641aec7ad4f-2.jpg&s3=39964-18-28905d07f28884c3e175c5c0e33b3e12-1000×502.jpg] 14.3% of teens earn income from flea market apps, with an average income of 2,680 yen/month
I asked about income from flea market apps.
When all respondents (1,000 people) were asked whether they were earning income from flea market apps, 14.3% answered “I am getting it” and 43.0% were “not getting it, but I would like to.” (Total)” was 57.3%.
The percentage of women who answered “positive (total)” was 63.6%, 12.6 points higher than men (51.0%).
When we asked 143 people who earn money from flea market apps about their monthly income from flea market apps, the responses were “less than 1,000 yen” (20.3%) and “less than 1,000 yen to 2,000 yen” (32.9%). , many answers were “2,000 yen to less than 3,000 yen” (18.2%), with the average being 2,680 yen.
Compared to the previous survey results, the average income increased by 363 yen (2,317 yen in the previous survey → 2,680 yen in this survey).
[Image 4: https://prtimes.jp/i/39964/18/resize/d39964-18-21f8aa0c032754c29cb2-3.jpg&s3=39964-18-206b0918851b3b46f91907fc6353a348-1000×992.jpg] 47.3% of high school students have savings, and the average amount of savings is 240,140 yen, an increase of 74,101 yen from the previous survey.
57.5% of university students have savings, and the average amount of savings is 324,508 yen, an increase of 34,107 yen from the previous survey.
Why save money? 1st place: “For the future” 2nd place: “In case something happens” 3rd place: “Because I have something I want to buy” Next, we asked them about their current savings status.
When all respondents (1,000 people) were asked if they had savings, 51.4% said they did, 39.9% said they didn’t, but they wanted to, and 39.9% said they didn’t, and they didn’t want to. ‘ was 8.7%. The percentage of people who have savings accounted for 47.3% of high school students and 57.5% of university students.
Compared to the results of the previous survey, the percentage of people who have savings and savings decreased by 3.4 points among university students (60.9% in the previous survey → 57.5% in the current survey).
[Image 5: https://prtimes.jp/i/39964/18/resize/d39964-18-0f4b63f34eb1e894f3a6-4.jpg&s3=39964-18-9bd9d9ead3bbd42909873a457ed8539e-1000×950.jpg] When we asked people who have savings (514 people) how much money they currently have in savings, the average amount was 240,140 yen for high school students and 324,508 yen for university students.
Compared to the results of the previous survey, the average deposit amount increased by 74,101 yen for high school students (166,039 yen in the previous survey → 240,140 yen in this survey), and increased by 34,107 yen for university students (290,401 yen in the previous survey → 324,508 yen in this survey) The increase was larger among high school students. I think there are an increasing number of cases where a growing sense of anxiety about the economic and social situation is pushing back on savings behavior.
When we asked 913 people who are saving money or wanting to save money for their reasons, the highest percentage of respondents (53.6%) said “For the future”, followed by “For the sake of an emergency” (53.6%). 37.8%), followed by “Because I want to buy something” (36.1%), “Because I live alone” (23.2%), and “Because I want to go on a trip” (23.0%).
[Image 6: https://prtimes.jp/i/39964/18/resize/d39964-18-4dc41801fbd81b153673-5.jpg&s3=39964-18-a2550c185e963bbd5953cf77b84634d5-1000×1034.jpg] 57.2% of teenagers and 65.4% of female university students say they are worried about their current savings situation.
When we asked all respondents (1,000 people) if they felt anxious about their current savings situation, 57.2% said they were, and 42.8% said they were not.
The percentage of women feeling anxious was 60.6%, 6.8 points higher than men (53.8%), and among university students, it was 62.3%, 8.5 points higher than high school students (53.8%). .
By gender and student category, the percentage of people feeling anxious was highest among female university students (65.4%).
[Image 7: https://prtimes.jp/i/39964/18/resize/d39964-18-6db446b2bb3dd58bdbe7-6.jpg&s3=39964-18-f48cae2686111111baffebcf457a1ea4-1000×713.jpg] [How teenagers use money]
How much cash do you usually have in your wallet? High school students average 4,206 yen, university students average 6,280 yen
How much electronic money do you usually carry around? High school students average 2,989 yen, university students average 5,723 yen I asked about how the money was spent.
First, we asked all respondents (1,000 people) how much cash they usually carry in their wallets. %), “3,000 yen to less than 5,000 yen” (18.2%), “5,000 yen to less than 10,000 yen” (19.3%), and “10,000 yen to less than 15,000 yen” (10.8%), with the average being 5,036 yen. It was.
By student category, the average cost was 4,206 yen for high school students and 6,280 yen for university students.
When asked how much electronic money they usually carry around, the most common answers were “1,000 yen to less than 2,000 yen” (21.6%), “less than 1,000 yen” (12.8%) and “2,000 yen” (21.6%). There were also responses for “from ¥3,000 to less than ¥3,000” (11.6%) and “from ¥5,000 to less than ¥10,000” (12.0%), with the average being ¥4,082. On the other hand, “0 yen (not carrying anything)” was 20.0%. By student category, the average cost was 2,989 yen for high school students and 5,723 yen for university students.
[Image 8: https://prtimes.jp/i/39964/18/resize/d39964-18-64e9472990d9f4f2c009-7.jpg&s3=39964-18-bf2569459d8dc5876aafd11e50343905-1000×924.jpg] Monthly consumption: High school students average 4,679 yen, university students average 21,287 yen
When we asked all respondents (1,000 people) how much money they spend per month, they answered “less than 1,000 yen” (22.4%), “3,000 yen to less than 5,000 yen” (12.6%), and “5,000 yen to less than 5,000 yen” (12.6%). The answers were divided into “less than 10,000 yen” (15.4%) and “10,000 yen to less than 20,000 yen” (13.5%), with the average being 11,322 yen.
By student category, the average cost was 4,679 yen for high school students and 21,287 yen for university students.
Compared to the results of the previous survey, the average amount of money spent per month decreased by 2,444 yen for high school students (from 7,123 yen in the previous survey to 4,679 yen in this survey), and by 256 yen for university students (from 21,543 yen in the previous survey). (21,287 yen) in this survey, and the decline was larger among high school students. As uncertainty about the economic outlook increases, more and more people may be becoming more conscious of saving money.
[Image 9: https://prtimes.jp/i/39964/18/resize/d39964-18-d1a92d6be06cbfc84c57-8.jpg&s3=39964-18-e6a0a78b45c4717ab21f535d38eac58b-1000×918.jpg] Things that teenage men want to spend money on: 1st place: “Games”, 2nd place: “Eating out”, 3rd place: “Society with friends” Things that teenage women want to spend money on: 1st place: “Oshikatsu”, 2nd place: “Beauty activities”, 3rd place:
“Fashion”
When all respondents (1,000 people) were asked what they would like to spend money on, the first place was “Pushing things up
(idol/character goods, etc.)” (38.1%), and the second place was “Associating with friends” (35.6%). %), 3rd place was “Fashion” (32.5%), 4th place was “Eating out (including takeout)” (31.9%), and 5th place was “Snacks (sweets, juice, etc.)” (30.0%).
By gender, for men, 1st place was “games” (33.2%), 2nd place was “eating out (including takeout)” (29.2%), and 3rd place was “socializing with friends” (27.0%), and for women, 1st place was “recommendation”. “Activities (Idol/Character goods, etc.)” (53.8%), 2nd place was “Beauty activities (Makeup, beauty salons, etc.)” (47.0%), and 3rd place was “Fashion” (46.8%).
Compared to the previous survey results, for men, “eating out (including takeout)” rose from 4th place last time to 2nd place this time, and ranked in the top 3. On the other hand, for women, “Oshikatsu (Idol/Character Goods, etc.)” rose two places to the top, from 3rd place last time to 1st place this time. It seems that an increasing number of women are becoming absorbed in a lifestyle of actively spending money to support idols, characters, etc.
[Image 10: https://prtimes.jp/i/39964/18/resize/d39964-18-a9b2a2c22264e9eda0fd-9.jpg&s3=39964-18-8fe41aa254657577dce08615cc1bb5c9-1000×691.jpg] Money-saving techniques used by teenagers: 1st place: “Use
accumulated points” 2nd place: “Avoid eating out” 3rd place: “Use student discounts”
We asked about money-saving techniques to reduce expenses.
When we asked all respondents (1,000 people) what they do to save money, the highest response was “Use accumulated points” (44.1%), followed by “Reducing eating out” (42.5%) and “Reducing eating out” (42.5%). This was followed by “Use student discounts” (38.0%), “Use coupons” (35.9%), and “Use 100 yen shops” (28.3%).
Looking at the results by gender, the top choice for men was “I will refrain from eating out” (38.8%), and the top choice for women was “Use accumulated points” (50.6%).
By student category, “I refrain from eating out” (39.0% of high school students, 47.8% of university students, etc.), “Use student discounts” (34.3% of high school students, 43.5% of university students, etc.), and “Carry my own bottle” (17.3% of high school students, 47.8% of university students, etc.). Among university students (28.7%), the rate was approximately 10 points higher for university students than for high school students.
[Image 11: https://prtimes.jp/i/39964/18/resize/d39964-18-1efd869d56af1cd30d6d-10.jpg&s3=39964-18-790babfca2ffa1c8aed5a0f291bb584d-1000×914.jpg] How much do you think is too high for everyday consumption using your own money? “Eating out (once)” averages 2,072 yen, “Everyday clothes (1 item)” averages 4,382 yen, “Birthday present for a friend (1 item)” averages 4,036 yen, “Birthday gift for lover” Average daily gift (1 piece) is 6,739 yen
Regarding daily consumption, we asked about the amount of money that could be afforded.
When we asked all respondents (1,000 people) how much they think is too expensive for everyday consumption using their own money, the answer was “1,000 yen” for [the amount you usually spend on eating out (one time)]. Many responses were received for “~less than 1,500 yen” (26.0%) and “from 2,000 yen to less than 3,000 yen” (22.8%), with the average being 2,072 yen.
By gender, the average cost was 1,931 yen for men and 2,213 yen for women. [Amount spent on everyday clothes (1 item)]: “2,000 yen to less than 3,000 yen” (20.2%), “3,000 yen to less than 4,000 yen” (20.5%), and “5,000 yen to less than 10,000 yen” (20.7%) %), and the average was 4,382 yen.
By gender, the average cost was 4,183 yen for men and 4,581 yen for women.
[Image 12: https://prtimes.jp/i/39964/18/resize/d39964-18-9ac1ad2b24b7632a1a7c-11.jpg&s3=39964-18-7af17e5c598325e86a20ba869cc97c43-1000×912.jpg] In addition, when asked about the amount spent on a birthday gift (1 item) to a friend, “2,000 yen to less than 3,000 yen” (19.3%), “3,000 yen to less than 4,000 yen” (19.3%), and “5,000 yen to 10,000 “Less than yen” (18.3%) answered, and the average was 4,036 yen.
By gender, the average cost was 4,417 yen for men and 3,655 yen for women. Regarding [Amount of money spent on a birthday present (1 item) for a lover], the most common response was “5,000 yen to less than 10,000 yen” (26.3%), with an average of 6,739 yen.
By gender, the average cost was 7,780 yen for men and 5,698 yen for women.
[Image 13: https://prtimes.jp/i/39964/18/resize/d39964-18-1f855b9f80103d7d75bf-12.jpg&s3=39964-18-7874c948f84a4afc928fb6257392cabd-1000×904.jpg ]
45.2% of teenagers and 61.8% of women are “active”
Oshikatsu consumption amount per month: The average of people who use Oshikatsu is 5,973 yen
What kind of things do you spend your money on? 1st place: “Purchase works/goods” 2nd place: “Purchase collaborative products/services” 3rd place: “Participate in live events”
We asked about Oshikatsu (general activities to support one’s favorite singers, idols, characters, etc.).
When we asked all respondents (1,000 people) whether they engage in oshikatsu (general activities to support their favorite singers, idols, characters, etc.), 45.2% said they did, while 45.2% said they did not. , 17.4% said they would like to, and 62.6% said they were positive.
The percentage of people who engage in oshikatsu was 61.8% among women and 66.8% among women such as university students.
When we asked 452 people who engage in Oshikatsu how much money they spend on Oshikatsu per month, the most common answer was “5,000 yen to less than 10,000 yen” (22.6%). , the average was 5,973 yen.
By student category, the average cost was 4,840 yen for high school students and 7,439 yen for university students.
[Image 14: https://prtimes.jp/i/39964/18/resize/d39964-18-e04e840115399311955e-13.jpg&s3=39964-18-1352c645894babc47e5469705b243ccf-1000×1222.jpg] Also, when asked about what they spend their money on in Oshikatsu, the highest response rate was “purchasing works and goods” (73.2%). The next highest percentages were “purchasing collaborative products and services” (49.3%), “participating in live events” (49.1%), and “creating promotional goods (fans, etc.)” (27.0%). , “Purchase items with image colors (fashion, etc.)” (23.5%).
[Image 15: https://prtimes.jp/i/39964/18/resize/d39964-18-61a8ba4169cb6fbe3557-14.jpg&s3=39964-18-0e9e169248b75b6e09a6d9ba1a3f7c55-1000×449.jpg] ■Survey overview■
Survey title: Awareness Survey 2024 on Financial Sense among Teens Survey target: Students aged 15 to 19 whose population is Net Asia Research’s Internet Monitor members.
Survey period: July 12-16, 2024
Survey method: Internet survey
Survey area: Nationwide
Number of valid responses: 1,000 samples
Research partner company: Net Asia Co., Ltd.
*The full survey results can be viewed from the attached PDF file.