Unit Two Spending and saving income 课件.ppt

Douyourememberwhereincomecomesfrom Ifyouhaveearnedyourownincome howwillyouspendit Willyousaveit Willyouspendit Why Doyouprefertospendmoreorsavemore Unit2 Spendingandsavingincome Newwords disposableincome mediumofexchange storeofvalue basicneed fixedexpenditure 可支配收入 交换媒介 保值功能 基本需求 固定支出 Newwords subsistenceliving variableexpenditure assetrichbutincomepoor interest freeno deposit instalment 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 Spending Disposableincome Themoneypeoplereceiveafterpayingtaxonthemoneytheyhaveearnedisreferredtoastheirdisposableincome Disposableincomecanbeeitherspentorsaved oracombinationofspendingandsaving Expenditure Theamountofmoneyspent Fixedexpenditure Variableexpenditure Spendingwecan tavoidandhavetoplanfor Amountsspentbyaconsumerthatchangefromtimetotime Expenditure Fixedexpenditure Basicneeds Variableexpenditure Changefromtimetotime Fixedorvariableexpenditure Fixedorvariableexpenditure Fixedorvariableexpenditure Spendingpatternsandfactorswhichinfluencetheneedforsaving Thedesiretopurchaseanexpensiveitemwillofteninfluenceapersontobudgetandsavemoreregularly Spendingpatternsandtheneedforsavingareinfluencedby Income spendingandsavingpatterns Peoplewhoearnlowlevelsofincomeneedtobemorecarefulwiththeirspendingandcanstruggletosave Peoplewhoearnhighlevelsofincomecanenjoyhighlevelsofspending Age spendingandsavingpatterns Agecanalsoinfluencespeople sspendingandsavingpatterns Purchasesvarywithage Location spendingandsavingpatterns Inareaswithexpensivehousing productsareoftenalsoexpensive Insuburbswithlowerhouseprice andusuallylowerincomes retailpriceswillusuallybelower Wealth spendingandsavingpatterns Peopleinwealthyareasmayhaveexpensivehousesbutoftenhavesmallamountsofdisposableincome People