{"id":34411,"date":"2025-12-18T11:39:59","date_gmt":"2025-12-18T11:39:59","guid":{"rendered":"https:\/\/by-tv.co.uk\/?p=34411"},"modified":"2025-12-18T11:39:59","modified_gmt":"2025-12-18T11:39:59","slug":"ingilterede-harcanabilir-gelirde-sert-dusus","status":"publish","type":"post","link":"https:\/\/by-tv.co.uk\/en\/ingilterede-harcanabilir-gelirde-sert-dusus\/","title":{"rendered":"\u0130ngiltere’de Harcanabilir Gelirde Sert D\u00fc\u015f\u00fc\u015f"},"content":{"rendered":"
\n

\u0130ngiliz halk\u0131 \u015fu anda 2025’in ba\u015f\u0131na k\u0131yasla kendini \u00e7ok daha yoksul hissediyor. Y\u00fcksek gelirli haneler bile mali beklentileri konusunda karamsar bir tutum sergiliyor.<\/p>\n

City AM<\/b>\u2019in haberine g\u00f6re, Ocak ay\u0131nda halk\u0131n maa\u015flar\u0131n\u0131n artt\u0131\u011f\u0131n\u0131 s\u00f6yleme olas\u0131l\u0131\u011f\u0131 y\u00fczde d\u00f6rt daha fazlayken, \u015fu anda maa\u015flar\u0131n\u0131n eridi\u011fini s\u00f6yleyenlerin oran\u0131 y\u00fczde yediye ula\u015ft\u0131. Bu durum, y\u00fczde 11<\/b>\u2019lik bir de\u011fi\u015fime i\u015faret ediyor.<\/p>\n

Bu karamsar tablo, perakendecilerin y\u00fcksek sat\u0131\u015f bekledi\u011fi y\u0131l sonu d\u00f6nemi olan Alt\u0131n \u00c7eyrek<\/b> (Golden Quarter) s\u0131ras\u0131nda ya\u015fand\u0131. T\u00fcketicilerin y\u00fcksek temkinlili\u011fi bu d\u00f6nemi g\u00f6lgeledi.<\/p>

\"\"<\/a><\/div>\n

Y\u00fcksek Gelirlilerde Beklenti D\u00fc\u015ft\u00fc<\/b><\/h4>\n

Boston Consulting Group (BCG)<\/b> taraf\u0131ndan haz\u0131rlanan yeni rapor, \u0130ngiltere\u2019deki t\u00fcketiciler i\u00e7in zorlu bir y\u0131l\u0131 ortaya koydu. B\u00fct\u00e7e d\u00fczenlemelerinin ki\u015fisel finansman\u0131 olumsuz etkiledi\u011fi belirtilen raporda, \u00f6zellikle y\u00fcksek gelir grubundaki de\u011fi\u015fim dikkat \u00e7ekti.<\/p>\n

D\u00fc\u015f\u00fck gelirli haneler harcanabilir gelirlerinde d\u00fc\u015f\u00fc\u015f bildirme olas\u0131l\u0131\u011f\u0131 en y\u00fcksek grup olsa da, y\u00fcksek kazan\u00e7l\u0131lar da sat\u0131n alma g\u00fc\u00e7leri konusunda giderek daha karamsar hale geldi.<\/p>\n

A\u011fustos ay\u0131nda 83.000 sterlin<\/b> ve \u00fczeri kazanan hanelerin %66<\/b>\u2019s\u0131 zenginle\u015fmeyi beklerken, Aral\u0131k ay\u0131nda bu oran\u0131n %42<\/b>\u2019ye geriledi\u011fi g\u00f6r\u00fcld\u00fc. Ya\u015fl\u0131 n\u00fcfus ki\u015fisel finansman konusunda daha karamsar hissederek temel ihtiya\u00e7lara odaklan\u0131rken, gen\u00e7lerin e\u011flence ve giyime harcama yapmay\u0131 planlad\u0131\u011f\u0131 belirtildi.<\/p>\n

2026\u2019da T\u00fcketici \u0130yile\u015fmesi Beklenmiyor<\/b><\/h4>\n

BCG B\u00fcy\u00fcme Merkezi Direkt\u00f6r\u00fc Raoul Ruparel<\/b>, 2025’in y\u00fcksek t\u00fcketici g\u00fcveni ve harcamalar\u0131na d\u00f6n\u00fc\u015f beklentilerini kar\u015f\u0131layamad\u0131\u011f\u0131n\u0131 ve gelecek y\u0131l i\u00e7in zay\u0131f bir g\u00f6r\u00fcn\u00fcm b\u0131rakt\u0131\u011f\u0131n\u0131 belirtti.<\/p>\n

Ruparel, “Bu y\u0131l harcamalar\u0131n \u00e7o\u011funu ger\u00e7ekle\u015ftiren gelir spektrumunun en \u00fcst\u00fcndekiler bile ki\u015fisel finansmanlar\u0131 konusunda daha k\u00f6t\u00fcmser hale geliyor. Bu durum devam ederse, 2026<\/b>\u2019da bir t\u00fcketici iyile\u015fmesi olas\u0131l\u0131\u011f\u0131 d\u00fc\u015f\u00fck” ifadelerini kulland\u0131.<\/p>\n

Harcama Yerine Tasarruf E\u011filimi<\/b><\/h4>\n

Vergi firmas\u0131 RSM<\/b>\u2019in anketine g\u00f6re, \u0130ngilizlerin \u00e7o\u011funlu\u011fu ellerine ge\u00e7en ekstra paray\u0131 tasarrufa y\u00f6nlendiriyor. Y\u0131lba\u015f\u0131 hediyeleri i\u00e7in harcama yapacak g\u00fcvene sahip olanlar\u0131n say\u0131s\u0131 ise olduk\u00e7a az.<\/p>\n

T\u00fcketicilere 5.000 sterlinlik<\/b> tek seferlik bir \u00f6deme yap\u0131lmas\u0131 durumunda, on ki\u015fiden yakla\u015f\u0131k alt\u0131s\u0131 paray\u0131 biriktirmeyi veya bor\u00e7 \u00f6demeyi tercih edece\u011fini belirtirken, sadece %8<\/b>\u2019i bunu tatil harcamalar\u0131na ekleyece\u011fini s\u00f6yledi.<\/p>\n

Barclays<\/b> anketine g\u00f6re ise \u0130ngilizlerin kart harcamalar\u0131, \u015eubat 2021’den bu yana y\u0131ll\u0131k bazda en y\u00fcksek d\u00fc\u015f\u00fc\u015f\u00fc kaydetti. RSM T\u00fcketici Piyasalar\u0131 Ba\u015fkan\u0131 Jacqui Baker<\/b>, t\u00fcketicilerin kendilerini daha zengin hissettirmeyen bir B\u00fct\u00e7e sonras\u0131nda “kemer s\u0131kt\u0131\u011f\u0131n\u0131” vurgulad\u0131.<\/p>\n<\/div>\n

\"\"<\/a><\/div>","protected":false},"excerpt":{"rendered":"

\u0130ngiliz halk\u0131 \u015fu anda 2025’in ba\u015f\u0131na k\u0131yasla kendini \u00e7ok daha yoksul hissediyor. Y\u00fcksek gelirli haneler bile mali beklentileri konusunda karamsar bir tutum sergiliyor. City AM\u2019in haberine g\u00f6re, Ocak ay\u0131nda halk\u0131n maa\u015flar\u0131n\u0131n artt\u0131\u011f\u0131n\u0131 s\u00f6yleme olas\u0131l\u0131\u011f\u0131 y\u00fczde d\u00f6rt daha fazlayken, \u015fu anda maa\u015flar\u0131n\u0131n eridi\u011fini s\u00f6yleyenlerin oran\u0131 y\u00fczde yediye ula\u015ft\u0131. Bu durum, y\u00fczde 11\u2019lik bir de\u011fi\u015fime i\u015faret ediyor. Bu karamsar tablo, perakendecilerin y\u00fcksek sat\u0131\u015f bekledi\u011fi y\u0131l sonu d\u00f6nemi olan Alt\u0131n \u00c7eyrek (Golden Quarter) s\u0131ras\u0131nda ya\u015fand\u0131. T\u00fcketicilerin y\u00fcksek temkinlili\u011fi bu d\u00f6nemi g\u00f6lgeledi. Y\u00fcksek Gelirlilerde Beklenti D\u00fc\u015ft\u00fc Boston Consulting Group (BCG) taraf\u0131ndan haz\u0131rlanan yeni rapor, \u0130ngiltere\u2019deki t\u00fcketiciler i\u00e7in zorlu bir y\u0131l\u0131 ortaya koydu. B\u00fct\u00e7e d\u00fczenlemelerinin […]<\/p>\n","protected":false},"author":11,"featured_media":28353,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[15],"tags":[],"class_list":["post-34411","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ingiltere"],"_links":{"self":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/34411","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/comments?post=34411"}],"version-history":[{"count":1,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/34411\/revisions"}],"predecessor-version":[{"id":34412,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/34411\/revisions\/34412"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media\/28353"}],"wp:attachment":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media?parent=34411"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/categories?post=34411"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/tags?post=34411"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}