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Sluggish Wage Growth Increases Pressure on Firms

Unemployment is at a new 43-year low, but wage growth has slowed in the last few months, putting pressure on consumer and business finances.

 

Strong employment levels and low inflation are clashing dramatically with the stunted growth of real earnings. While wages have historically risen at the same rate of employment, the last three months have seen little change in the size of pay packets. This could put pressure on household budgets and could see consumer markets stretched even further.

For the last year, consumer sectors have struggled with stunted spending behaviour and the rising popularity of online retailers. Many household names, from New Look to Toys R Us have been forced to submit to insolvency or restructuring procedures as a result of low profits and a disappointing high street performance.

With inflation and unemployment low, there was a slight hope for an upturn in the industry, with consumer sentiment lifted by the recent warm weather and lucrative events such as the Royal Wedding and the FA World Cup.

Unfortunately, the weather has cooled and employers are keeping a tight rein on how much they pay employees. Wage growth slowed considering in the last three months, with the Office for National Statistics reporting an increase of only 2.4 per cent compared with 2.5 figure from last month.

 

The Resolution Foundation thinktank noted that the three sectors with the fastest pay growth were construction, financial services and insurance, and hotels and restaurants, while real pay fell in a number of other areas including health and social work, utilities, agriculture and the arts.

Households will see their personal finances squeezed as a result, with penny-pinching behaviour likely to grow after consumer prices rose to 2.5 per cent last month.

In the past, consumers and businesses have turned to high street lenders to provide injections of cash. However, the Bank of England’s recent interest rate hike has forced firms to either search for alternatives or take steps to improve their own creditworthiness.

At the Credit Protection Association, our debt recovery services free up cash flow for our Members and repair damage that has been caused by low profits or bad payment practices. Smaller household budgets could leave high streets emptier than before, but a renewed focus on business finances can tip the scales. The cash flow management expertise offered by CPA, as well as the credit monitoring services, ensure our retail Members are not only trading successfully but for the long-term.

 

Please call us on 0330 053 9263 to discuss how CPA can help your cashflow.
Alternatively, either email us or use our contact form.

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The Latest Insolvencies to 16 Aug 2018

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