New Study Reveals Twenty-Somethings are ‘Generation Sensible’

twenty somethings, sensible, millennial, average twenty something For from being the superficial, social media-obsessed narcissists that so many publications, and people, try to pretend they are twenty-somethings are actuallyy sensible.  The average twenty-something earns £19,186.40 a year, has savings of £2,543 and chooses NOT to go clubbing, according to new research.

The Nationwide Savings study of ‘Generation Sensible’ shows 65 per cent of young adults would rather party at a friend’s house than spend unnecessary money at the pub or club.

Unfortunately, six in 10 people in their twenties are saddled with debts in the region of £20,000 following their stint at University.

While those who didn’t further their education still struggle to pay off debts of £4,720.

As such, while popular twenty-somethings have 15 good friends, they choose not to lavish money on expensive nights out, and only holiday in the UK once a year.

Andrew Baddeley-Chappell, Nationwide’s Head of Policy for Mortgages and Savings said: “Our research has found a generation of twenty somethings under pressure and in transition. The good news is that as a demographic they seem to be planning their futures, whether that be saving for a deposit for their first home or a holiday. In some ways this is a far cry from the free-spirited youth of the 60s and 70s.”

The study shows that when it comes to attempting to save, 32 per cent are desperately trying to get a deposit together for a mortgage, while 30 per cent are saving up for a holiday.

A further 24 per cent of twenty-somethings are saving for a rainy day, and one in 10 are gathering cash together to pay for their wedding.

And although those in their twenties earn just under £20,000 a year – working 31 hours a week – at the end of every month they have just £210.07 to spend on enjoying themselves.

According to the poll, just 16 per cent of those under 30 are married, with 16 per cent of those in a relationship meeting through work and 13 per cent via dating apps. Just five per cent regularly go on dates.

One in five respondents already have children and a further 52 per cent have pets.

The research reveals that money dominates the list of common worries shared by many twenty-somethings, with people worrying both about being able to save money, as well as having enough money to last until the end of the month.

Getting on the housing ladder is a concern for 36 per cent of those in their twenties, while landing a job worries 27 per cent.

Other common anxieties include managing the bills, health and fitness, and that they don’t seem to be achieving much in life.

Body shape and size worries four in 10 people, and 25 per cent are rightly concerned about their parents’ health.

For those in this age bracket who do drive a car, a modest Vauxhall Corsa or Ford Fiesta are the most likely models of choice.

When it comes to keeping fit, the average twenty-something exercises for three hours a week, and prefers running and going to the gym above all other sports. Swimming and cycling are the next most popular activities.

For those in their twenties who prefer to entertain themselves by staying in, rather than spending money on going out, four in 10 love binge-watching television programmes and films.

Favourite television shows include The Big Bang Theory, the Great British Bake Off and Game of Thrones.

While movies put on repeat are the Harry Potter saga, Mean Girls and Bridget Jones’ Diary.

Other activities enjoyed during their spare time include spending time with the family, travelling and 27 per cent enjoying tending to their social networking sites.

Eight in 10 people in their twenties are regularly on Facebook, while 47 per cent use Instagram and 50 per cent are on WhatsApp.

The study found 37 per cent enjoy going out for dinner with friends, and only a third like going to the pub.

Similarly, meeting new people is only a priority for seven per cent of people, while 55 per cent prefer to socialise with existing friends.

Andrew Baddeley-Chappell continues “Our research found an age group under strain, working or studying hard, and mindful of the financial pressures they are likely to face in the future.

“It’s little wonder then that friendships and relationships, conducted both in person and online have become such a focus, along with a social life that doesn’t cost.”

AVERAGE 20-SOMETHING

1. Average income of £19,186.40 annually

2. Typically work 31 hours a week

3. Has £210.07 of disposable income each month

4. Has £2,543.82 in savings

5. 29 per cent have a mortgage

6. Takes one holiday in the UK each year

7. Six in 10 go to / went to University

8. Students / ex-students have a total debt of £20,514.86 excluding mortgages

9. Non-students have a total debt of £4,720.66 excluding mortgages

10. Most likely to drive a Vauxhall Corsa or Ford Fiesta

11. Has 15 friends

12 Gets six hours sleep a night

13. 22 per cent have children

TOP 10 WORRIES OF A 20-SOMETHING

1. Saving money

2. Having enough money

3. What body shape and size you are

4. Your health

5. Getting on the housing ladder

6. That you don’t seem to be achieving much in life

7. Bills

8. Eating too much rubbish food

9. How fit you are

10. Getting a job

FAVOURITE TV SHOWS:

1. The Big Bang Theory

2. Great British Bake Off

3. Game of Thrones

4. I’m a Celebrity, Get Me Out of Here!

5. Planet Earth

6. Orange is the New Black

7. Britain’s Got Talent

8. Breaking Bad

9. First Dates

10. The Walking Dead

FAVOURITE FILMS:

1. Harry Potter Saga

2. Mean Girls

3. Bridget Jones’ Diary

4. Love Actually

5. Bridesmaids

6. Forrest Gump

7. Deadpool

8. Pitch Perfect

9. Up

10. Lord of the Rings

FAVOURITE ARTISTS:

1. Ed Sheeran

2. Adele

3. Beyonce

4. Taylor Swift

5. Sia

6. Rihanna

7. Coldplay

8. Maroon 5

9. Little Mix

10. Calvin Harris

average twenty-something

Staying Safe this Christmas and New Year – Top Tips!

Staying Safe this Christmas and New Year – Top Tips

As a key Youth Leader when it comes to gangs and breaking the cycle of criminal behaviour one of the key things I get asked by people of all ages is ‘How do I avoid becoming a victim?’

It is really tough question isn’t it? I mean, if the headlines are to be believed you are almost twice as likely to become a victim as you were this time last year. Although we are living in tough times Christmas means that people are out and about doing Christmassy things; enjoying themselves, getting merry and having a host of parties and clubs to go to. In the midst of this hustle and bustle some are ever more desperate to steal, rob or take advantage.

I for one know someone who had their card cloned only a few weeks ago and the upheaval it can cause is immense. So these words of advice I am about to offer come not a moment too soon.

  1. Taxi Cabs – this is number one on my list as I am still in awe of how many people don’t know this despite the horror stories and despite the ad campaigns.  If you are going to be drinking pre-arrange how you will be getting back home. Black cabs can be hailed off the street but under NO CIRCUMSTANCES should anyone get into an unlicensed taxi/and or minicab off the street. It is illegal for minicabs to tout for business. Minicabs must be pre-booked. Listen if you get into an unlicensed cab then essentially it is just a stranger’s car and there is no telling what will happen so please – don’t do it!
  1. Drinking – do your best to drink less alcohol and drink more water during your night out. A top tip is to have one drink of water for every two glasses of alcohol. Do your best to stick to the same drink, try and not mix your drinks and always make sure you have your drink with you. Yes girls – take it with you if you are going for a pee. If you leave your drinks unattended then DO NOT drink it. This is one of the ways drug rape can happen. A long time ago I was a First Aider in clubs – spiking as it is called (when someone puts drugs in your drink) was a big issue for us back then – my friends who are still in that field have said on good authority that it is still a big issue now.
  1. Drugs – Lets get it straight – taking drugs is illegal. However if you do then do not buy drugs from someone you have just met. Most of the time drug dealers at clubs / bars are selling to the masses and are not selling you what you think you may be buying. They can easily combine it with chemicals that will be very harmful to you and your body, and you could have a very bad reaction to it. I suppose the final point I want to make is that if you do decide to take do the stupidest thing and take drugs then you should never be left on your own until everyone has recovered. There are reactions and delayed reactions and both could potentially be fatal.
  1. Being sensible – This is one of those tips that sound easy on the ear but can be difficult to put into practice. Firstly be sensible in your approach. If you are talking to a stranger for the first time then do not give him personal details about yourself like where you live. Do not make yourself vulnerable. Secondly never leave your valuables such as your purse or phone with them while you run to the loo or leave your bag or valuables on the table or at some distance from you. Your phone should be locked with a pin that only you know and you also should be sensible with your social network – that is, it and your personal details should be set to private. A new trend is for guys to butter up women with soft words etc but there are lots of instances where once the woman has gone they are gone except they have gone with cash, plastic and I-phone tablets.
  1. Confidence is crucial – Being confident and assertive can assist you from staying out of danger. This is reflected in your body language and demeanor. Keep your head up and use eye contact. Becoming drunk and very loud can sometimes draw the wrong people towards you. Essentially most predators know that the less aware and less able a person is, the more easy they are to take advantage of and the more likely they are not to defend themselves properly.
  1. Fight or flight – If a fight breaks out / and or other trouble then remove yourself very quickly from the venue and call the police for help. This is crucially a tip mainly for the guys out there but as it seems to be a paradox akin to finding the ‘god atom’ it is there for everyone. Here’s the problem – good friends, both male and female want to protect the ‘ones they love’ from ‘bad’ people. The problem is that ‘bad’ people can be everyone especially once a fair bit of alcohol has been drunk. You’ll be surprised at the amount of arguments and fisticuffs that can flare up over mere ‘looks’ ‘knocks’ on the dance floor and people being rude. Ask either party to just walk away and you’d have more luck trying to explain the euro crisis. Yet you have your mobile phone in your pocket so rather than choosing to join in on the rugby tackle why not just use it and get help. Trust me; you’ll thank me in the morning.
  1. Cold and hard can only be cash – Try not to carry large sums of money, credit cards and other valuables with you. I am going to say it again but DO NOT leave your bag unattended. Just bring what you need for the night. A top tip is to put some money safely on you away from the money you will be spending on your night out. So if unfortunately if you are a victim of crime and your money / cards are stolen you have some money to get home with.
  1. Keep your eye on the prize – When paying for anything by credit / debit card make sure the machine is brought to you and you see what is being done. If anyone ever takes your card away / and or behind a bar they may be cloning your card. A big tip is to keep all of the receipts from the night, perhaps in your purse and then the following day check back with the money that has been deducted. If you need to you can query with the bank if any amounts seem unjustified.
  1. Mobile phones – Do not talk on your mobile phone when you get off London Transport and think this is going to save you from being attacked, it just makes you more vulnerable as you cannot see and / or hear what’s going on around you. What’s more people can see what mobile phone you have and that could make you a target too.
  1. Keep in touch – Number ten is my greatest gem. Be with at least one person you trust and make contact with them when you get home, so they know you are in safe. If you out and meet members of the opposite sex and are having a good time, why not stay together until you are in a cab (a licensed one obviously) where you can cab share until you part company.
  1. Be aware – please be aware of the people around you. Not being aware has consequences. This is especially true at cash-points but even places like at the bar or till can be crucial for someone looking to glance at your pin or hear the code word for your tab. I have seen many offenders hear ‘Table 12’ shouted across a noisy bar and then casually saunter over and order drinks for themselves and their mates moments later claiming to be from the same table. Equally a friend of mine had her phone stolen when someone came round with a collection box for a ‘charity’ and took her phone from the table whilst she took out some money from her purse. Be aware
  1. Never blame yourself – my final tip is the same as last year. Just remember even Justin Bieber has been a victim of a crime at one point – probably. Some people just do bad things – it’s as simple as that. The main thing is that they are counting on your silence so they can do it again. So talk to someone you can trust and report it. Most importantly though never blame yourself.

So ends my tips on staying safe over Christmas and New Year – I am not aiming to make anyone nervous or afraid as there are bundles of fun to be had lets just keep it safe and sensible. If you have any questions, comments or even tips of your own please post them. Here’s to an exciting and prosperous New Year!