Nielsen: “Once we’ve covered our essential living expenses, how do we spend the money left over? Whether we stash our spare cash for retirement, invest it to try and make more, or purchase new products, strategies differ around the world. In the fourth quarter of 2015, saving and investing intention levels were highest in Asia-Pacific (61% and 37%, respectively), as was spending on holidays/vacations (44%), new clothes (41%), new technology (34%) and out-of-home entertainment (34%). Some spending/saving strategies took on greater importance in certain regions. For example, intentions to pay off debts were a priority in Latin America (35%), and intentions to spend on home improvement projects showed the highest regional percentage in North America (25%). Plans to save for retirement were highest in Asia-Pacific and North America at 16% each. Nearly one-quarter of Middle East/Africa respondents (23%) said they had no spare cash in the fourth quarter—the highest-level regionally, followed by 18% in Europe, 17% in Latin America, 11% in North America and 5% in Asia-Pacific.”