Unit Two Spending and saving income 课件.ppt

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1、Douyourememberwhereincomecomesfrom?Ifyouhaveearnedyourownincome,howwillyouspendit?Willyousaveit?Willyouspendit?Why?Doyouprefertospendmoreorsavemore?Unit2SpendingandsavingincomeNewwordsdisposableincomemediumofexchangestoreofvaluebasicneedfixedexpenditure可支配收入交换媒介保值功能基本需求固定支出Newwordssub

2、sistencelivingvariableexpenditureassetrichbutincomepoorinterest-freeno-depositinstalment自给自足的生活可变支出拥有高价不动产，但收入较低不需首付款和利息的分期付款购物方式分期付款购物SubjectIncomeSavingTaxationSpendingSpendingSavingTaxMoneyconsumedMoneysavedupMoneypaidtogovernmentImportantpointsDisposableincomeThemoneypeoplereceive

3、afterpayingtaxonthemoneytheyhaveearnedisreferredtoastheirdisposableincome.Disposableincomecanbeeitherspentorsaved,oracombinationofspendingandsaving.spendingsavingDisposableincomeExpenditureTheamountofmoneyspent.FixedexpenditureVariableexpenditureSpendingwecan’tavoidandhavetoplanfor.Am

4、ountsspentbyaconsumerthatchangefromtimetotime.ExpenditureFixedexpenditureBasicneedsVariableexpenditureChangefromtimetotimeFixedorvariableexpenditure?Fixedorvariableexpenditure?Fixedorvariableexpenditure?SpendingpatternsandfactorswhichinfluencetheneedforsavingIncomeAgeLocationWealthThe

5、desiretopurchaseanexpensiveitemwillofteninfluenceapersontobudgetandsavemoreregularly.Spendingpatternsandtheneedforsavingareinfluencedby:Income,spendingandsavingpatternsPeoplewhoearnlowlevelsofincomeneedtobemorecarefulwiththeirspendingandcanstruggletosave.Peoplewhoearnhighlevelsofincom

6、ecanenjoyhighlevelsofspending.Age,spendingandsavingpatternsAgecanalsoinfluencespeople’sspendingandsavingpatterns.Purchasesvarywithage.BabyYouthTeenagerNappiesBottlesComputergamesSportsgearDesignerclothesMobileYoungadultOlderadultRetireeHoliday;House;HealthHoliday;Smallhouse;Health;Sma

7、llcarCar;Jewellery;Fitnesswear;EntertainmentLocation,spendingandsavingpatternsInareaswithexpensivehousing,productsareoftenalsoexpensive.Insuburbswithlowerhouseprice,andusuallylowerincomes,retailpriceswillusuallybelower.Wealth,spendingandsavingpatternsPeopleinwealthyareasmayhaveexpensi

8、vehou