Household expenditure guide

Transcription

1 ad164 June2013 Household expenditure guide

2 ad164 June2013 Contents Page Regional data tables... 8 RURAL DATA... 8 AUCKLAND URBAN DATA... 9 WAIKATO AND BAY OF PLENTY URBAN DATA WELLINGTON URBAN DATA REST OF THE NORTH ISLAND URBAN DATA SOUTH ISLAND URBAN DATA... 13

3 Introduction This guide provides information on some of the categories of living costs that are generally incurred by New Zealand households. It provides a base to use as a first step in determining whether household expenses have been reported correctly and therefore determine any ability to repay debt. Data source This guide is based on data obtained from the Household Economic Survey 2010 administered by Statistics New Zealand. When undertaking the survey every effort is made to obtain a sample that is representative of all households. However, please note that there will always be households that vary from the figures in this guide. The information in the tables is provided by region and household composition. For the purposes of the survey, a household comprises a group of people who share a private dwelling and normally spend four or more nights a week in the household. They must share consumption of food or contribute some portion of income towards the provision of essentials for living as a group. Regions Two types of regions are listed in this guide: urban and rural. Urban Towns with populations of over 10,000 people, broken down into 5 sub-regions: Auckland Waikato and Bay of Plenty Wellington Rest of the North Island ie Northland, Gisborne Hawke s Bay, Taranaki and Manawatu-Whanganui South Island. These include all main and secondary urban areas in the region. Rural Towns that have a population of less than 10,000, that cover all areas of New Zealand. (all rural or minor urban areas) Household compositions The household compositions used are: Couple only Couple with one child* Couple with two * Couple with three or more One parent with child(ren) One-person household. *Child/ is a child who is younger than 18 years of age and isn t employed full-time. Page 3

4 Using tables When using the tables on pages below, choose either: Rural (population under 10,000), or Auckland urban, or Waikato and Bay of Plenty urban, or Wellington urban, or Rest of the North Island urban, or South Island urban. Within that table, select the household composition appropriate to the person. Categorise the expenses information you have into the expenses groups in the tables. Determine the reported amount spent for each expenses group on the data tables that follow. Remember that the tables show average weekly expenses. If the value is higher or lower than the amount given, this will generally require your judgment in deciding whether to request further information. Page 4

5 Household expenses All expenses in the data tables are GST-inclusive. They are the average weekly expenses for those households which reported this category of expenses in the Household expenditure survey Expenses have been divided into 16 groups, along with a list of the expenses included in each group. Food and groceries Rent/board/mortgage Bus/train/petrol Gas/electricity Telephone/mobile Clothing/footwear fruit and vegetables meat, poultry and fish grocery food non-alcoholic beverages restaurant meals and ready-to-eat food household supplies toiletries and personal care products property rent, payments connected to renting mortgage principal and interest payments interest on revolving credit mortgages/loans urban train fares taxis short distance bus fares urban ferry, harbour-ferry fares cable-car fares, tram fares petrol other vehicle fuels and lubricants diesel CNG, LPG for vehicles electricity and gas solid fuels telecommunication services cellphone, telephone, fax and internet, toll call charges. men s and women s clothing and footwear boy s/girl s/infant s clothing and footwear clothing and footwear supplies and services Continued on next page Page 5

6 Rates House and contents insurance Property maintenance Vehicle maintenance Vehicle registration and warrant of fitness Vehicle insurance Medical/health insurance Medical/health expenses Life insurance Insurance other local and regional authorities rates and payments payments to other local authorities water supply, rates and charges refuse disposal body corporate payments insurance on buildings and dwellings insurance on building and contents insurance on house contents insurance on personal effects. property maintenance materials property maintenance services vehicle servicing and repairs vehicle parts and accessories registration and license fees for new vehicles relicensing fees warrant of fitness fees LPG/CNG inspection fees insurance on cars, station wagons, utes, vans, 4WDs insurance on motor-cycles and trail bikes insurance on motor-scooters and powered bicycles insurance on recreational vehicles health insurance accident insurance health products, appliances and equipment out-patient services hospital services term life insurance whole-of life-and endowment insurance insurance on bicycles, BMX bikes, mountain bikes pets mortgage repayment income protection overseas travel Page 6

7 Comparison between guide and debt forms The expenses groups in the Household Economic Survey 2010 don t exactly match the expense groups in our debt forms (IR 130 and IR 590). For some, there is no comparable category and for others it is necessary to combine two categories. The following table illustrates the comparisons. Household expenditure guide Food and groceries Rent, board, mortgage Bus/train/petrol not available not available Gas/electricity Telephone/mobile/ internet Clothing and footwear not available not available Vehicle insurance Vehicle registration and warrant House and contents insurance Rates Inland Revenue debt form categories Food and groceries Rent/board/mortgage Bus, train, taxi fares, petrol Childcare and school expenses Child support or maintenance payments Power and/or gas Telephone and/or mobile Clothing and footwear Hire purchase Credit card repayments Vehicle registration and insurance House and contents insurance Rates Medical expenses Medical insurance Life insurance Insurance other Property maintenance Vehicle maintenance Medical (doctor, dentist, etc) Insurance (medical, life, other) House maintenance Vehicle maintenance Rental of household items Court fines Work and Income repayments Page 7

8 Regional data tables Rural data Weekly average expenditure () Couple only Couple with one child Couple with two Couple with three or more One parent with child(ren) Food/groceries Rent/board/mortgage Bus/train/petrol Power/gas Telephone/mobile Clothing/footwear Rates House and contents insurance Property maintenance Vehicle maintenance Vehicle registration and warrant Vehicle insurance Medical/health insurance N/A N/A N/A Medical/health expenses Life insurance Insurance other One-person household N/A in table To preserve confidentiality, data has been suppressed where insufficient subgroups of households have reported expenditure. Data has also been suppressed where the error rate is unacceptably high. Information that meets these criteria is shown as N/A in the table. Rounding: Expenditure estimates are rounded to the nearest 10 cents. Page 8

9 Auckland urban data Weekly average expenditure () Couple only Couple with one child Couple with two Couple with three or more One parent with child(ren) Food/groceries Rent/board/mortgage Bus/train/petrol Power/gas Telephone/mobile Clothing/footwear Rates House and contents insurance Property maintenance Vehicle maintenance Vehicle registration and warrant Vehicle insurance Medical/health insurance Medical/health expenses Life insurance Insurance other One-person household N/A in table To preserve confidentiality, data has been suppressed where insufficient subgroups of households have reported expenditure. Data has also been suppressed where the error rate is unacceptably high. Information that meets these criteria is shown as N/A in the table. Rounding: Expenditure estimates are rounded to the nearest 10 cents. Page 9

10 Waikato and Bay of Plenty urban data Weekly average expenditure () Couple only Couple with one child Couple with two Couple with three or more One parent with child(ren) Food/groceries Rent/board/mortgage Bus/train/petrol Power/gas Telephone/mobile Clothing/footwear N/A Rates House and contents insurance N/A Property maintenance Vehicle maintenance N/A Vehicle registration and warrant Vehicle insurance Medical/health insurance N/A N/A N/A Medical/health expenses Life insurance N/A Insurance other One-person household N/A in table To preserve confidentiality, data has been suppressed where insufficient subgroups of households have reported expenditure. Data has also been suppressed where the error rate is unacceptably high. Information that meets these criteria is shown as N/A in the table. Rounding: Expenditure estimates are rounded to the nearest 10 cents. Page 10

11 Wellington urban data Weekly average expenditure () Couple only Couple with one child Couple with two Couple with three or more One parent with child(ren) Food/groceries Rent/board/mortgage Bus/train/petrol Power/gas Telephone/mobile Clothing/footwear Rates House and contents insurance Property maintenance Vehicle maintenance Vehicle registration and warrant Vehicle insurance Medical/health insurance N/A N/A Medical/health expenses Life insurance Insurance other One-person household N/A in table To preserve confidentiality, data has been suppressed where insufficient subgroups of households have reported expenditure. Data has also been suppressed where the error rate is unacceptably high. Information that meets these criteria is shown as N/A in the table. Rounding: Expenditure estimates are rounded to the nearest 10 cents. Page 11

12 Rest of the North Island urban data Weekly average expenditure () Couple only Couple with one child Couple with two Couple with three or more One parent with child(ren) Food/groceries Rent/board/mortgage Bus/train/petrol Power/gas Telephone/mobile Clothing/footwear Rates House and contents insurance Property maintenance Vehicle maintenance Vehicle registration and warrant Vehicle insurance Medical/health insurance N/A N/A Medical/health expenses Life insurance Insurance other One-person household N/A in table To preserve confidentiality, data has been suppressed where insufficient subgroups of households have reported expenditure. Data has also been suppressed where the error rate is unacceptably high Information that meets these criteria is shown as N/A in the table. Rounding: Expenditure estimates are rounded to the nearest 10 cents. Page 12

13 South Island urban data Weekly average expenditure () Couple only Couple with one child Couple with two Couple with three or more One parent with child(ren) Food/groceries Rent/board/mortgage Bus/train/petrol Power/gas Telephone/mobile Clothing/footwear Rates House and contents insurance Property maintenance Vehicle maintenance Vehicle registration and warrant Vehicle insurance Medical/health insurance N/A Medical/health expenses Life insurance Insurance other One-person household N/A in table To preserve confidentiality, data has been suppressed where insufficient subgroups of households have reported expenditure. Data has also been suppressed where the error rate is unacceptably high. Information that meets these criteria is shown as N/A in the table. Rounding: Expenditure estimates are rounded to the nearest 10 cents. Page 13