Charts
Study Examines What Americans Spend the Most Money On
As the economy shifts, we can see changes in consumer spending habits, as reflected in this Qualtrics study, which reveals what Americans spend the most money on. These insights show us what Americans prioritize and how much flexible spending money they have available for non-essentials. Using data from the U.S. Bureau of Labor Statistics, the team created a chart breaking down spending by category and then a further breakdown of spending categories by income bracket.
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According to the data collected, Americans spend around $77,280 per year. This spending was divided into these categories, ranked by the amount spent on each.
- Housing – $25,436 (32.9% of total annual expenses)
- Transportation – $13,174 (17% of total annual expenses)
- Food – $9,985 (12.9% of total annual expenses)
- Personal insurance and pensions – $9,556 (12.4% of total annual expenses)
- Healthcare – $6,159 (8% of total annual expenses)
- Utilities, fuels, and public services – $4,625 (6% of total annual expenses)
- Entertainment – $3,635 (4.7% of total annual expenses)
- Household furnishings and equipment – $2,508 (3.2% of total annual expenses)
- Apparel and services – $2,041 (2.6% of total annual expenses)
- Personal care products and services – $950 (1.2% of total annual expenses)
- Alcoholic beverages – $637 (0.8% of total annual expenses)
- Tobacco products and smoking supplies – $370 (0.5% of total annual expenses)
Across income categories, Americans spent the most money on housing, which comes as no surprise. Housing costs and mortgage interest rates have been on the rise since 2020 in response to a shortage in housing stock. That means Americans must spend more if they dream of home ownership. The team’s data takes rent into account as well.
Many people also spent a lot on transportation. This is due to a combination of rising fuel costs leading to higher vehicle prices, as well as parts shortages that affected vehicle stock and prices. Another necessity takes number three on the list. According to the data, Americans are spending $1,174 a month on groceries. Grocery prices have dominated newsfeeds for the past few years. We all need food to survive, so seeing this item so far up the list is no surprise.
With so much uncertainty in the world, it seems Americans are investing heavily in insurance and pensions. The data shows that the more money someone makes, the more they spend on insurance, which makes sense as they need to protect expensive assets. Insurance can help offset unforeseen costs and protect investments. Unfortunately, this insurance spending is shared with high healthcare spending as well. Americans spend more than most citizens of other wealthy nations. As the cost of living has increased, so have health insurance premiums. Healthcare spending not only includes health insurance, but also co-pays, medical supplies, and surprise bills.
We live in an era full of strange relationships with money and wealth. Many Gen Z Americans state feeling “pressured” to show off wealth and luxury on social media, while 41% of Americans don’t feel they’re financially secure. Despite rising expenses, Americans still enjoy shopping, with many of them choosing to go shopping as a treat once a month. Gen Z cites boredom as their number one reason for spending money. Even so, 73% say they are willing to cut back on their daily spending to save for longer-term goals. It seems that although prices are rising, many Americans, particularly younger ones, are still willing to spend on a variety of areas.
Business Visualizations
Ranking States by Workplace Cleanliness
The team at Stratus Building Solutions reveals which states have the cleanest and dirtiest workplaces in a new study. Cleanliness is often an overlooked but powerful influence on workers’ health, happiness, and productivity. People who work in an office spend many hours there and have a right to a clean, safe space to work, whether that’s at their desk, in the breakroom, or in the bathroom. The team’s study reveals that cleanliness depends on more than company policy and culture. It’s impacted by resources and state laws. While some states mandate rules that boost workers’ health and safety, other locations lack such protections and put workers at risk.
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The team created a scoring system based on some key criteria. First was the number of OSHA violations. OSHA is the Occupational Safety and Health Administration, which sets federal workplace safety standards, including sanitation standards. A state with a high number of OSHA sanitation violations is a clear sign of dirty workplaces. These violations could include unclean restrooms, inadequate waste disposal, or the presence of mold and bacteria. The team also examined the number of janitors per capita, population density, air pollution, and sick leave laws in each state.
The team found that these states were the cleanest with the highest scores:
- Nebraska
- Colorado
- North Dakota
- South Dakota
- Washington
- Missouri
- Montana
- Idaho
- Michigan
- New Mexico
The top scorers had low rates of OSHA violations, clean air, and high janitor-to-population ratios. State laws mandating sick leave also play a major role, as workers are more likely to stay home rather than bring germs to work.
These were the states that struggled the most with these standards:
- Tennessee
- North Carolina
- Mississippi
- Virginia
- Connecticut
- Oregon
- Nevada
- Rhode Island
- Alabama
- New Jersey
- Pennsylvania
Many of these states are on the dirty end of the spectrum, lacking paid sick leave. Tennessee, Mississippi, and North Carolina do not have laws on paid sick leave, which, when combined with the absence of handwashing stations and disinfecting services, makes the workplace a petri dish for germs. We also see heavily populated states like New York and New Jersey on the low end of the spectrum because more people means a greater challenge to clean up waste and keep germs at bay. High populations also mean bigger cities and more air pollution. We do see, however, that lower population density doesn’t necessarily mean cleaner workplaces, as Vermont was near the bottom of the list and has a small population.
Clean workplaces are healthy workplaces. Dust, germs, and air pollution lead to gastrointestinal and respiratory problems among workers. Simple precautions like regularly disinfecting surfaces, installing handwashing stations, and removing dust can boost the cleanliness of the office and the health of workers. Healthy workers mean better productivity and greater safety for all. Not only will a clean space improve worker experience, but OSHA violations can be very costly. The team’s study provides fascinating insights into what affects workplace cleanliness.
Charts
Seven Layers of Vacation Rental Safety
Vacation rentals have opened up a whole new way to travel for people all over the world. Through platforms like Vrbo and Airbnb, travelers rent lofts, apartments, cottages, and ski chalets instead of a traditional hotel room. These options are very popular and can become a booming business for property owners. However, they come with their own set of risks to deal with. Property owners can take a well-rounded approach to guest and property safety by using Ooma’s pyramid chart, which displays the layers of vacation rental safety. They list the most important protections first and finish with insurance protection to top it all off.
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Here are the seven layers of safety according to Ooma:
- Access Control
- Life Safety Systems
- Perimeter Awareness
- Digital Protection
- Real-Time Monitoring
- Guest Education
- Liability Protection
Each layer comes with specific suggestions to implement safety precautions. Here’s the full list for property owners to check off:
- Keyless entry system, cloud-based access control software, physical key hidden away, reset lock access
- Smoke and carbon monoxide detectors, first aid kit, landline or VoIP service, fire code compliance, fire extinguishers
- Outdoor cameras, outdoor lighting, smart doorbells, fencing, and gates
- Secure Wi-Fi networks specific to guests, Wi-Fi password protection, and turn off unused smart devices
- Noise monitoring, occupancy monitoring, utility monitoring, environmental monitoring
- Guest safety guide, house rules, appliance instructions, emergency contacts, evacuation map
- Vacation rental insurance, local compliance, document safety steps
Short-term rentals come with some unique risks that owners must account for. Property damage is common when inviting strangers to stay in your home. These can be mild accidents, like stains from spills, or major issues, like appliance and utility malfunctions and damage. If guests are injured, owners are liable and must be covered by insurance. Wi-Fi networks can leave guests vulnerable to identity theft, so they must be properly secured. Guests should be aware of house rules, but may abuse them anyway, so activities like noise and occupancy levels should be monitored. Rental homes might be vulnerable to theft and squatters, too.
The team offers additional tips for each layer of safety. They suggest providing easy-to-find first aid kits for guests, following all fire code compliance, setting up outdoor cameras and motion-activated lighting, smart doorbells, turning off unused smart devices, creating a guest rule book, posting an evacuation map and emergency contacts, and documenting each step you’ve taken to provide a safe guest experience.
On top of all this, vacation rental owners need to make sure they keep up on cleanliness and safety inspections. Guests should also be aware of hazards that could cause a slip and fall accident and make sure they’ve taken due diligence in securing their property. All of these steps can help property owners run a successful vacation rental business while keeping guests safe and the property in peak condition. All vacation rental owners can learn something from the team’s layered approach to vacation rental safety.
Charts
These States Have the Cleanest Homes in the U.S.
The Oxi Fresh team has revealed the state of home cleanliness across the United States with a map ranking states by their score on the custom-made Oxi Fresh Home Cleanliness Index. Cleanliness can vary by cultural definitions and factors like busy lives can make our homes less clean than we would like. Studies have found that Americans spend about eight hours a month cleaning their homes. The team offers us a more in-depth look at the state of American cleanliness in their maps.
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The team formed the Home Cleanliness Index based on responses to survey questions. Five questions assessed how often residents perform specific cleaning tasks, like vacuuming, dusting, cleaning bathrooms, and changing bed sheets. They were also asked to rate their home’s cleanliness, the amount of clutter in their home, and how comfortable they would be with unexpected guests seeing their home in its current state. Lastly, the team asked whether residents in these states use a professional cleaning service.
These 10 states had the highest scores on the index:
- Wyoming
- Delaware
- Rhode Island
- Kansas
- Iowa
- Idaho
- Minnesota
- Arkansas
- Connecticut
- Tennessee
Wyoming residents are the cleanest, and they know it! 96% of them would be proud to have unexpected guests over who see the state of their home as it is. Wyoming homeowners deep-clean their carpets the most, mop the most, and change their bed linens the most often. It seems Wyoming homemakers prioritize cleaning and take great pride in their homes.
On the other side of the coin, these were the states with the lowest scores:
- New Hampshire
- North Carolina
- Maryland
- Maine
- Oregon
- Oklahoma
- Hawaii
- North Dakota
- Washington
- Utah
Utah had the lowest score overall at 69.76 out of 180 points. Utah residents reported the lowest scores for home cleanliness, but their data lends some credence to this. They dust, vacuum, and mop the least frequently. Utah may struggle with cleanliness due to its poor air quality. It has some of the worst air quality in the United States, with dust drifting in from the Great Salt Lake playa, as well as high emissions from gasoline vehicles and wood-burning stoves. Utah residents may feel they’re fighting a losing battle against dust, dirt, and grime and have lowered their standards.
There are many fun and interesting facts to glean from the team’s data. Delaware residents vacuum and mop the most, while Vermont residents maintain the cleanest kitchens with the highest number of kitchen counter wipe-downs. People in Iowa are the most likely to hire a professional cleaner. Arizona residents mop the least, maybe because the dry environment keeps out mud. Georgia and Arizona residents vacuum their carpets the least, but perhaps carpets and rugs aren’t as popular in these warm states. The data gathered here provide numerous opportunities to reflect on how various state factors may influence cleaning standards and norms.
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