Spending

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The pandemic was a wake-up call for Australians, with more looking to shop locally, creating a huge economic boost, new research has revealed.

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Findings released by Roy Morgan show if every Australian spent an additional $10 a week on Australian-made goods, the economic flow would see an additional $5 billion added to the nation’s GDP.

The research further showed this increase in economic output would add an additional 11,000 jobs to the labour market.

Australian Made chief executive Ben Lazzaro noted small changes in weekly shopping habits can make a huge difference for local businesses during the launch of Australian Made Week.

“It’s an opportunity to focus on the benefits of buying local and highlight that when you buy Australian Made, you have a direct economic impact on the livelihoods of hundreds of thousands of Australians throughout the supply chain,” he said.

After a challenging year for many Australian businesses, former prime minister John Howard threw his support behind the Australian Made initiative.

Mr Howard said: “The Australian Made Campaign promotes the excellence and achievement of Australian products and services. It draws attention to how successful our country has been and how competitive it is in so many areas with the rest of the World.

“The COVID pandemic has highlighted the need for local self-sufficiency, where this makes sense. The campaign is very much part of this. I supported it strongly when I was Prime Minister and hope that the initiative being launched now is successful.”

According to Roy Morgan’s research, not only are there huge benefits to buying Australian, demand for Australian-made products soared in 2020 with border closures, global manufacturing delays and panic-buying taking over normal shopping routines.

More than nine in 10 Australian shoppers (93 per cent) said they were more likely to buy locally made products, up from 87 per cent in 2019, the survey of more than 50,000 people showed.

Mr Lazzaro said Roy Morgan’s latest research comes as no surprise, as more and more Australians are looking to the green and gold Australian Made logo to find authentic Australian-made goods.

Mr Lazzaro said: “Australia’s over-reliance on imported products has been highlighted during the COVID-19 pandemic. This research shows Australians are placing priority on manufacturing self-sufficiency and job creation along with a renewed appetite to address the imbalance between locally made and imported products to ensure Australia’s long-term prosperity.”

Almost all Australians are aware of the Australian Made logo, with the vast majority (92 per cent) confident products displaying the logo are made in Australia.

A further 97 per cent of Australians also associate the iconic kangaroo logo with the support of local jobs and employment opportunities, 95 per cent with safe and high-quality products, 89 per cent with the use of ethical labour and 78 per cent with sustainability.

“When you buy Australian Made, Australian Grown products, you know what you are getting — products made to the highest of manufacturing standards and grown in our clean, green environment. At the same time, you are helping to support our manufacturing industry, create Aussie jobs and give back to local communities,” Mr Lazzaro concluded.

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The pandemic was a wake-up call for Australians, with more looking to shop locally, creating a huge economic boost, new research has revealed.

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The announcement of last week’s budget and containment of the COVID-19 threat in Sydney is seeing surging consumer confidence, which is tipped to lead to an increase in spending, according to two banks. 

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The latest ANZ-Roy Morgan consumer confidence index and Commonwealth Bank household spending intention showed that consumer confidence has risen over the last week. 

ANZ-Roy Morgan found that consumer confidence increased by 0.8 per cent, lifting to 112.5 points with more Australians now saying they are ‘better off financially’ and it is ‘a good time to buy major household items’.

ANZ’s head of Australian economics, David Plank, noted that residents in Sydney had the largest increase in sentiment with fears of lockdowns not eventuating, while the budget is continuing to lift confidence. 

“The greater than expected spending promised by the government in the federal budget may have also provided a boost to confidence,” he said.

“Among the details, 45 per cent of the responders said it is a ‘good time to buy a major household item’ versus 22 per cent for it being a ‘bad time to buy’, which are respectively the highest and lowest values since February 2020.”

Separate research released by Commonwealth Bank also showed spending intentions across all seven categories tracked in its index are improving. 

“This comes as no surprise as we know that April 2020 was the low point for spending as the first wave of COVID-19 restrictions hit Australians,” said CBA chief economist Stephen Halmarick.

“A year later, the economy has recovered strongly from COVID-19 impacts, with employment above pre-pandemic levels and household spending intentions on the rise as consumers once again feel confident about their economic prospects.”

The government looking to continue its support through 2021-2022 despite an improving economic outlook is leading to consumers looking to spend their money. 

“The budget’s targeted support programs aim to put more people into jobs and ensure the economic recovery is widespread,” Mr Halmarick said.

Home buying intentions continued their march higher in April 2021, posting gains on both April 2020 and April 2019. Both home loan applications and Google searches increased in April as the national real estate market attracted prospective buyers.

“We expect the residential property market to be a key source of support for Australia’s economy in 2021, driven largely by the very low level of interest rates,” Mr Halmarick said.

Retail spending intentions posted strong gains in April, sharply recovering from declines recorded in March. Retail spending was stronger this April than both April 2020 and April 2019.

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The announcement of last week’s budget and containment of the COVID-19 threat in Sydney is seeing surging consumer confidence, which is tipped to lead to an increase in spending, according to two banks. 

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Australians are set to splash the cash for mum this Mother’s Day, albeit on the wrong gift, new consumer spending data has revealed.

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Survey data from CommBank Rewards showed that Australian mums want a day out at the spa, but instead are likely to get flowers. 

CBA executive general manager, everyday banking, Kate Crous said mothers are hoping to be pampered on Mother’s Day.

“Mother’s Day is a time for extra indulging and self-care. From the research, we can see mums want an experience including being treated and pampered with options like enjoying a relaxing spa day or being taken out for lunch or dinner.”

Instead, florists are tipped to have booming business, with the average Australian saying they will spend $74 buying flowers for mum on Sunday. 

“For gift giving, there are so many options online and in-store for your loved ones. We know people want to spoil their mum and be money-savvy at the same time,” Ms Crous said.   

The research showed that Australians are savvy shoppers, with 46 per cent of people regularly hunting for deals, cashback or reward points.

“At the end of the day, quality time is the obvious winner on Mother’s Day, with most mums favouring relationships and experiences over things. So, while gifts are certainly a perk, the feeling of togetherness and being with family is a valued part of how mums want to spend the day,” Ms Crous said.

According to the CommBank Rewards research, Australian mums want to spend the day by having quality time together with their children. Around six in 10 mothers rate this as their first choice, followed by food – whether eating out, ordering in or having someone cook for them.

Mums’ top gift choices for Mother’s Day    

• Spa day (27 per cent)
• Meal out (22 per cent)
• Flowers (10 per cent)

Top gifts people intend to purchase for Mother’s Day

• Flowers (37 per cent)
• Chocolates or edible treats (27 per cent)
• Meal out (25 per cent) 

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Australians are set to splash the cash for mum this Mother’s Day, albeit on the wrong gift, new consumer spending data has revealed.

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Shoppers are continuing to swap credit cards for buy now, pay later service, new consumer debt study has revealed.

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A study released by Equifax showed that quarterly consumer credit demands, overall, fell by 14 per cent for the quarter.

This was led by strong falls in credit card applications, which dropped by 29 per cent, and personal loans, which are down 14.5 per cent.

While their decline has softened slightly compared with the previous quarter, Equifax said it is not enough to blunt their downward trajectory.

According to the study, it is now the seventh consecutive quarter of decline for personal loans, while it is the 12th straight quarter for credit card declines.

Victoria recorded the lowest demand for credit cards at -30.9 per cent, while the ACT had fewer personal loan applications (-25.4 per cent) than anywhere in Australia.

“Despite signs that the market may be moving towards post-COVID recovery, credit card demand continues to decline,” Kevin James, Equifax general manager advisory and solutions, said.

“The reduced economic activity in Victoria from their second lockdown didn’t help, but ultimately a change in consumer behaviour is pushing credit cards out of favour,” he said.

While traditional credit facilities continue to fall, buy now, pay later (BNPL) services such as Afterpay and Zip are continuing to gain market share, due to ease of product use. 

“Customer experience is a key driver, with buy now, pay later offering a level of convenience over credit cards. There are also no fees, lower interest rates and the ability to pay part payments over subsequent months,” Mr James told nestegg. 

BNPL applications have improved following a brief slump in the previous quarter. Victoria and Tasmania were the only states not to show growth, but their volume of applications was still up on the last quarter.

“Demand for BNPL continues to come from Generation Y and Generation Z, but there are signs this cohort may have reached saturation. The younger generation – Generation Z – may soon catch up as they accounted for 26 per cent of total applications. The lowest share remains with the Baby Boomer generation, not unsurprisingly since many are in retirement,” said Mr James.

Demand for mortgages surge

Strong property price demand is set to continue with consumers desperately seeking credit.

Demand for mortgages grew throughout Australia, up +23.5 per cent compared with the March quarter 2020, with every state and territory experiencing growth.

The eastern seaboard states continued to see an acceleration in home buyer activity, with Victoria showing a bounceback from a subdued previous quarter in lockdown.

Mr James said the market is showing a shift to asset-based lending, with mortgages and auto loans proving more popular than liabilities like credit cards and personal loans.

“Mortgage demand includes loans for new properties, as well as refinancing. Historically, movements in Equifax mortgage application demand data have led changes in house prices by around six to nine months,” he said.

“Mortgage applications are not part of the Consumer Credit Demand Index but are a good indicator of home buyer demand and housing turnover.”

The general manager points to strong consumer incentives enticing buyers to enter the market.

“Ultra-low interest rates are enticing more people into the market, but also an incentive for home owners to refinance in the quest to find a better rate,” Mr James said.

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Learn the best strategies in investing and options like cryptocurrency, bonds, mutual funds, property and stock market." ["secure"]=> int(0) ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2021-04-30 01:34:13" ["slug"]=> string(43) "16703:aussie-consumers-swap-credit-for-bnpl" ["parent_slug"]=> string(16) "284:invest-money" ["catslug"]=> string(12) "285:spending" ["event"]=> object(stdClass)#6186 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(0) "" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(309) "

Shoppers are continuing to swap credit cards for buy now, pay later service, new consumer debt study has revealed.

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Aussies who took advantage of the controversial early access to super scheme spent the majority of their money on mortgages, rent and household bills, with just one in eight saving their super for a rainy day, official stats revealed.

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A survey released by the Australian Bureau of Statistics showed that the majority of money withdrawn from super was used to pay bills.

The Morrison government allowed people who were suffering hardship to access $10,000 during both 2020 and 2021, under a scheme facilitating early access to super savings.

The ABS survey found that 29 per cent of people who jumped on the scheme by September 2020 used the funds to pay their mortgages or rent, while 27 per cent used it for household bills.

Another 15 per cent directed the extra funds towards servicing their credit cards or personal debts, while only 13 per cent added it to their savings.

“We found that for people who accessed the scheme twice, the average total amount withdrawn was $17,441,” ABS director of household economic resource surveys Dean Adams said.

“The average single withdrawal was $7,728 for the first opportunity, and $7,536 for the second.”

The survey also found that around one in five households had someone receiving the JobKeeper wage subsidy through their employer or in their own business.

Half of these households had a mortgage, while almost half were couples with dependent children.

More than 1.3 million households had someone receiving the coronavirus supplement in the September quarter, which was $550 per fortnight at the time and a top-up to the JobSeeker dole payment.

The JobKeeper and the JobSeeker supplement schemes both ended in March.

 

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Aussies who took advantage of the controversial early access to super scheme spent the majority of their money on mortgages, rent and household bills, with just one in eight saving their super for a rainy day, official stats revealed.

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Australia’s recovery from the COVID-19 downturn looks to be buoyed by a wave of consumer spending, as Aussies increase their spending habits post-lockdown restrictions, new studies have revealed. 

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In a leading indicator of stronger economic spending, Commonwealth Bank’s latest Household Spending Intention Series showed that Aussies are intending to spend more on travel, entertainment and home buying.

The stronger spending intentions data aligns with CBA economists’ forecast for the Australian economy to reach pre-pandemic growth levels by the first quarter of 2021.

CBA economists now forecast GDP to expand by 4.7 per cent in 2021, while the unemployment rate is seen declining to 5.0 per cent.

“The stronger Household Spending Intentions report is another signal that Australia’s economic recovery is ongoing,” said CBA chief economist Stephen Halmarick.

Travel spending intentions posted the strongest year-on-year improvement among all seven categories in CBA’s Household Spending Intention series.

Mr Halmarick opined that the increase is partly driven by stronger travel-related spending and partly due to the collapse in spending recorded in March last year.

“The travel sector was among the hardest hit by the onset of the COVID pandemic, with border closures and a countrywide lockdown stifling nearly all travel-related activity,” Mr Halmarick said. “This month’s data, while distorted by base effects, still demonstrates how far the sector has recovered since last year.”

While separate data released by buy now, pay later (BNPL) service provider Zip Co showed strong indications of Australians consumers travel plans.

Zip’s data showed that spending on scuba diving equipment nearly tripled from last year (up 283 per cent), while spending on caravans and parachuting was up 179 and 120 per cent, respectively.

Zip Co’s co-founder and CEO Peter Gray noted that the data showed Australians are looking inward for their next holiday.

“Zip’s data shows that while people couldn’t get overseas this summer, it hasn’t stopped them getting out of the house,” Mr Gray said.

“Caravan dealers are selling over double from this time last year, and scuba-diving spend is almost four times what it was. While the local tourism industry is still missing the international dollar, our data shows Aussies are out there driving, diving and jumping in to support them.”

While spending on travel improved greatly, the economic recovery is not hitting all sectors, with consumer retail spending intentions falling over the month. 

While the retail sector had been a standout in March 2020, as actual spending and spending intentions surged during the early stages of the pandemic, retail spending and spending intentions growth had stabilised in recent months.

“Retail sales were the outperformer last year as everybody rushed to the shops to buy their canned goods and toilet paper, so the comparisons to last year underplay the strength of the sector and the continued economic rebound,” Mr Halmarick concluded. 

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string(19) "2020-07-08 05:42:04" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5952 (3) { ["data":protected]=> object(stdClass)#5955 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5954 (3) { ["data":protected]=> object(stdClass)#5957 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#6203 (32) { ["id"]=> string(1) "9" ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5956 (3) { ["data":protected]=> object(stdClass)#5959 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5958 (3) { ["data":protected]=> object(stdClass)#5961 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#6200 (32) { ["id"]=> string(1) "4" ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "1" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5960 (3) { ["data":protected]=> object(stdClass)#5963 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5962 (3) { ["data":protected]=> object(stdClass)#5965 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#6201 (32) { ["id"]=> string(1) "6" ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "2" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5964 (3) { ["data":protected]=> object(stdClass)#5967 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5966 (3) { ["data":protected]=> object(stdClass)#5969 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#6196 (32) { ["id"]=> string(1) "3" ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "3" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5968 (3) { ["data":protected]=> object(stdClass)#5974 (1) { ["options"]=> object(stdClass)#5972 (2) { ["options0"]=> object(stdClass)#5971 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#5973 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5970 (3) { ["data":protected]=> object(stdClass)#5976 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#6199 (32) { ["id"]=> string(1) "5" ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "4" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5975 (3) { ["data":protected]=> object(stdClass)#5978 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5977 (3) { ["data":protected]=> object(stdClass)#5980 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#6209 (32) { ["id"]=> string(1) "2" ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "5" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5979 (3) { ["data":protected]=> object(stdClass)#5982 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5981 (3) { ["data":protected]=> object(stdClass)#5984 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(72) "/invest-money/spending/consumers-spending-set-to-boost-economic-recovery" ["image"]=> string(61) "images/article-826x550/retired-couple-holiday-vacation-ne.jpg" ["image_alt"]=> string(48) "Consumer spending set to boost economic recovery" } }