take the dual-income household, both! ~looking at the household life stage

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It will try representing the expenditure of housekeeping expenses in every life stage!

Are different every life stage expenditure n/a of the housekeeping expenses which1P eye
Income and outgo n/a of housekeeping expenses every of life stage2P eye
Life working together also probably will go in the housekeeping! n/a P eye

It is different every life stage, expenditure of housekeeping expenses

Doing housekeeping expenses consultation, to be asked well, “as for housekeeping expenses inside, squander it is many in comparison with the other person is?”With it is something which is said.After all, there being just a story of the money which cannot be heard easily in others, it probably means that wallet circumstance of yoso becomes matter of concern.This time, while looking at the earnings and expenditure of housekeeping expenses every of life stage, you try thinking then how it keeps designing housekeeping expenses future of.

Calling generality world, because item of expenditure differs depending upon household earnings and family constitution, it is not possible very to compare with others.Then, up-to-date statistical data “2009 nationwide consumption fact-finding” of the general affairs ministry n/a December 24th publication on the basis of) supposing life stage from age and family constitution, housekeeping expenses expenditure of every month (consumption expenditure) to graph it tried converting.The graph under to stack the amount classified by item of consumption expenditure every of life stage, it is something which is displayed in the bar graph.

heisei21national survey of family income and expenditure year summary of results for household income and expenditure and savings of households and liabilities of two or more people charting hemlock yasushi hirano guide based on the data of ( click to enlarge)

of1stage: household of couple only (husband30under the age of)
consumption expenditure accounted for housing expense about the percentage of2has the highest percentage. including entertainment expenses other consumer spending has become a rather high percentage compared with other stages of. the case of two-earner couple, to emphasize the convenience of shopping and commuting, tend to be even higher proportion of housing costs, select the key to true savings that matches the tall house.

of2stage: husband and wife and children2households of people (preschooler is firstborn)
since the first child is still small1although there is no significant change much with the stage, households to purchase a home increased, as consumer spending housing expense is a low percentage of. this is, not mean that the cost of housing has decreased, and repayment of housing loans for non-consumption expenditure, statistics on the numbers are meant to housing costs are reduced.

of3stage: husband and wife and children2households of people (junior high school firstborn)
with the growth of children, consumption expenditure accounted for food about the percentage of25%and has the highest. since the duration of compulsory education, educational expenses although not yet become a big burden, consumption expenditure, such as educational expenses and other expenses, reading & recreation, of each item of expenditure2has increased as compared with the stage. for children to say, the spending would grow tsuitsui, the key to the savings can say that the expenditure management by each item.

of4stage: husband and wife and children2households of people (college students firstborn ) including graduate students
when it is time to go to college children, share of consumption expenditure educational expenses the percentage of3reached nearly 90%, you have weigh heavily on household. also increases the cost of remittance for school and, transportation and communication costs, other consumer spending also increased, such as, household spending will reach a peak at all stages. during this period, because the facts indicate a general household savings, the savings that you firmly in the past is important.

of5stage: household of couple only (husband60years of age or older)
independently from home a couple children2return to the households of people. 4people from households2became human for household, food although the amount of not less, of1couple of stage2compared to when human2is often more than ten thousand yen. consumption expenditure also accounted for other consumer spending about the percentage of3at the rate, is large compared to protrude other life stages. at this stage, will be a life of retirement savings, while reversal of. while some predict how long to live, be determined in consultation with the pace of spending is important and savings balance.

balance of the household of each life stage system

of4stage (households of married couples and college students firstborn) is most severe household!

on the previous page, we’ve looked at monthly consumption expenditure for each life stage, here, let’s look at the situation of household income.

the graph below, this is defined as the average monthly income and expenses of different life stages. the bar graph in the breakdown of income, head of the household income (blue) , spouse’s income (red) , other income (yellow) are indicated by. because even if his wife is head of the household, head of household=husband, spouse=since my wife does not necessarily, please note. other income will include social security benefits.

the line graph, disposable income (green) , consumption expenditure (red) are indicated by. in the expenditure of households, because it includes non-consumption expenditure such as the repayment of borrowings, i do not mean that savings is the difference between disposable income and consumer spending, was placed on the graph to make it easy with an image of the balance of household.

of1stage
of1stage, in the household of couple only, dual-income ratio is also high (industry personnel yu1.72people) . greater the difference between disposable income and consumer spending, savings is that the period just. how savings can be a big difference this time will appear in the design of future life. can suddenly change from household to household thrift constitution constitution consumption is particularly difficult, is because it becomes a household spending is larger in the future.

of2stage
of2stage, children born, often my wife to quit your job (industry personnel yu1.29people) , spouse’s income will fall significantly. even the head of the household income growth, true income of the household as a whole and does not extend much. on the graph, they seem to be sufficient savings can be positive because the difference between the disposable income and consumer spending, homeownership rate is54..3%will, it also begins to repayment of housing loan, it might not be much savings. but, food and other living expenses, at this time also reduce the burden of educational expenses, can go to a solid savings is important. recently, introduced a short time, such as child care institutions and parental leave system, there are parenting environment is also being put into place. would say-looking selection of future household income also maintain and improve the system to take advantage of these.

of3stage
of3stage, made the time to enroll in elementary school and junior high, will not take the hand of the children, also increases the percentage wife out to work (industry personnel yu1.60people) . disposable income also increased its minutes, of2from the stage, thus it has the conditions to be able to savings.

of4stage
children’s education expenses in the period will be most heavily, also increases the percentage wife out to work (industry personnel yu1.77people) . of1couple with no children of the stage2only for people rather than household, true dual-income and high rate of. but look out to the income and, of1stage than the income of spouse3has also decreased percent or more. by spouse out to work and the rise of the salary of the head of the household, income of households, is most common in all stages, consumer spending exceeded disposable income than, has become a permanent deficit. in the household there is a burden of mortgage, deficit will increase further.

of5stage
children independently, couple2only for people to return to the household. 60after the age of the, greater decline of household income, the more the amount of social security benefits instead. because consumer spending is generally consistent and non-disposable income, 65until you get to full public pension after the age of, true to the duration of the connection.

life is going on, both dual-income household!

children make up the savings between high school graduation from the early marriage

life in the future, should go or how to assemble the household?

we have seen the income and expenditure for each life stage so far. because the statistics, although it is only the data reference only, household spending is growing with the growth of children it is common. young age, but it is less of household income, spending on their own because you can adjust the time as still young, savings would be easy to say. the larger the children, it is difficult to control, such as educational expenses is spending the reality is quite. simply, even if you control the expenditure for each life stage, there is a limit to it.

review the structure of household income
anew, a look at the structure of income for a household in the different life stages, whereas the head of the household income continues to increase at the same time as the age, spouse’s income is interrupted by childbirth, income has decreased as well from the time before birth even if the reinstatement calm parenting. plain as a financial planner guide, we have seen a lot of life plans of such a pattern. out in part while the child-rearing wife, but you are saving hard, we felt the current situation to make the savings needed to fully enjoy retirement with confidence is difficult.

think so, be reached by increasing the revenue of the combined household income of the household head and spouse, i think some perspective is not important in the design of future household.

housework and child-rearing and a new lifestyle and dual-income
the question then becomes, is about housework and child-rearing. 1one is, men earn outside, women to protect the home review of the division of roles is that. in recent years, has been increasing income even if women are more often than men. it, not from the other place to have increased activity of women in society. looking back at the home, rather than housework and child-rearing is a woman that you should begin with, as well as working women in society, men should exert may be at home.

and the other1one is, if dual-income married couples to assume, is that creating an environment which continues to double-income. to say that review the roles of housework and child-rearing, will have trouble letting you work with a large burden of housework and child-rearing also for my husband for wife. for this does not happen, or out-source the service organization such as housework a part of the housework and child-rearing, to buy or appliances such as convenient, i use the money to actively create an environment in order to continue the double-income.

looking at the life stage, consumer spending will increase when young, savings may be reduced, because it is larger than expansiveness of the household income rises, along with the life stage, cash flow of life as it should be better than design life up to now.

seen in a long period of life, as you assemble the good or how income and expenditure, 1i hope you’ll use to reference as one point of view.