|
< HOMEPAGE
|
The changing shape of family finances
Families are becoming an increasingly complex unit when it comes to money management. Parents are working longer hours, couples are spending less time with each other and children are becoming increasingly sophisticated in their material wants and information needs. Whilst centralising funds is important in the family, so is an analysis of the individual roles and associated financial requirements.
Super-mums
It seems that the proof of maternal efforts is no longer found in the pudding … it’s in the spending. Women are increasingly outsourcing personal grooming tasks and the pressure of looking good, feeling healthy, maintaining a tight ship and IQ level has meant that housecleaning and gardening are again fashionable methods to promote the family brand; housewifery is now a career, with all the attitude of 21st century post-feminism. It emerged in a recent BBC report, that a new type of parent was surfacing….the “manager mum”. Manager mums tend to use the internet to save time on tasks and streamline activity, using the Web to undertake jobs such as grocery shopping or banking.
Once they’ve got their partner, it doesn’t seem women can relax about their appearances, with women in relationships spending more on their appearance than their single counterparts. UK housewives spend a massive £5 billion on ‘keeping up appearances’, in terms of gardening, home furnishings and personal grooming, according to a study by Virgin Money Credit Cards. UK women are splurging out an average of £3,488 each on personal appearance and their home and garden. Of the £3,488, 47% is spent on the home and garden, whilst the remainder goes on clothes, haircuts, beauty products and treatments.
The pressure to look good may be a factor in women being labelled as the worst savers, as reported by Guardian Unlimited. In an annual study by IFA Promotion, 63% of the women who stated that they were unable to put aside further savings, admitted to spending their spare cash on costly and unnecessary luxuries, whilst 28% of women get themselves into debt with expensive purchases. Women apparently seem to be content with spending up to 75% of disposable income and saving less than 20%, in contrast to men who save over 25% of their income and invest 8%.
Peter Pan fathers
Whilst fathers are not physically getting any younger, there is evidence that their mental age may be falling. The BBC recently reported that a new type of dad had emerged – the “gadget dad”, whilst in November last year, the Guardian reported that men were significantly delaying fatherhood. In a study by Panlogic, “gadget dads” love technology and have all the latest tech toys, from Sky TV to a car navigation system. Perhaps this love of tech toys is also the reason inhibiting men from diverting funds to babies. According to the Guardian, 81% of men admitted that financial fears would make them postpone having children and if current trends continue, the average age of men becoming fathers will rise to 40 by 2065. Virgin Money Life Insurance also reported in their studies that new fathers were waiting longer to start families and that UK fathers are working the longest hours in Europe.
Savvy kids
A recent investigation by Halifax found a positive attitude towards saving is increasing amongst children. Whilst in 1998, a third of children saved more than they spent; now that figure is over fifty percent. The bank discovered that most children are prepared to save for an expensive item, though parents of younger children faced more of a struggle, as 22% of seven to eleven year olds pestered their way towards getting what they wanted. Piggy banks, it would seem, may become sentimental souvenirs, as more children save their money in a bank or building society.
This trend of ‘keeping up appearances’ seems to induce individualistic behaviour in families, reducing co-operation on financial issues. This erodes family values in society and discourages future generations from investing in children. Without the motivation to invest in sustainable communities or even a sustainable standard of living, (currently supported by £1.1 trillion of debt), the issue of successful management of family finance remains trivial.
Additional information:
Family finance information:
http://www.moneynet.co.uk/
Useful brochures & fact sheets:
http://www.unbiased.co.uk/website/brochures/
Random financial ranting:
http://cashzilla.blogspot.com/
About Rachel:
Rachel writes for the personal finance blog Cashzilla: http://www.cashzilla.co.uk
Cashzilla is a personalfinanosaurus.
“Rachel” means sheep in Hebrew: “little lamb” or “one with purity”.
Cashzilla means financially savvy with great fiery ferocity.
Written by: cashzilla
NAVIGATION
10 Easy Ways To Organize Your Business Finances
1st And 2nd Mortgage Refinance Loan
1st And 2nd Mortgage Refinance Loan Why Refinance Both Mortgages
4 Good Reasons to Get a Refinance Home Loan
A College Loan Will Finance Your Education
A Fresh Start for Family Finances in 2005
A Good Credit Report The Key To Cheap Finance
A Guide to Bad Credit Finance Options
A Mortgage Refinance with Bad Credit The Pros and Cons
Adverse Credit Remortgage Refinance at Better Terms
Adverse debt levels blight UK consumers personal finances
Alternative Venture Finance Federal Grants and Loans
Are You Having Sleepless Nights Because Of Your Finances
Are you so desperate for a home loan that you are stretching your finances too far
Ask the Expert When do I Refinance My Home
Auto Refinance
Auto Refinance Secrets Refinance Your Car Loan And Save Every Month
Auto Refinancing Guide How to Refinance Your Car Loan
Bad Credit A Personal Finance Nightmare
Bad Credit Auto Loan Refinance Bad Credit Auto Refinance Tips
Bad Credit Auto Loan Refinance Tips To Increase Your Odds Of Getting Approved
Bad Credit Home Mortgage Refinance Should You Refinance
Bad Credit Mortgage Refinance
Bad Credit Mortgage Refinance Should I Shouldn t I
Bad Credit Mortgage Refinancing Refinance High Interest Mortgage With Poor Credit
Bad Credit Refinance 101 The Hows and The Whats
Bad Credit Refinance Loans Finding a Good Lender
Bad Credit With Poor Credit You Can Still Refinance Or Get A Home Equity Line Of Credit
Basic Tips on Personal Finance
Become a Certified Success in the World of Business and Finance
Benefits of Personal Finance Software
Best Finance Guide
Bridging Finance Basics
Bugs Finance offers phoenix commercial mortgage loan
Business Finance Expert Series Comparing Factoring to Other Financing Options
Business Finance Expert Series The History of Factoring
Business Finance Expert Series What Every Business Owner Needs to Know About Factoring
Business Loans A Source of Finance for your Business
Business Start Up Loan Script Your Own Success Story With the Right Finance Method
Buying A Car What Is The Best Finance
Buying a Spanish Property How Do You Finance It
California Refinance Refinancing in California
Can you afford Not to look After your Personal Finances
Car Finance
Car Finance Company Basics
Car Finance Loan When you can t just wait to buy a car
Car Finance Places You On The Top Gear While Buying a Car
Car Loan Refinancing When To Refinance Your Car Loan
Cash Out Refinance
Cash Out Refinance Home Equity Mortgage Loan or Cash Out Refinance
Cash Out Refinance Mortgage Loans Home Equity 2nd Mortgage Or Cash Out Refinance Loan
Cash Out Refinance Things To Know About Refinancing Your Mortgage To Get Cash Out
Cash out refinance Turning lemons into lemonade
Childcare Finances Some Money Basics
Commercial Collections Business Finance Booster Shot
Considering a Mortgage Refinance
Create and Maintain a Budget Finance 101
Credit Card Hazards That Can Cripple Your Finances
Credit Report Scores Why it is important for your finances
Debt Consolidation Refinance Loans A Great Way To Lower Your Bills
Deciding if the Time Is Right to Refinance
Deciding Upon a Refinance Lender
Deciding Whether to Refinance a Mortgage Loan
Deducting Points On Home Refinances
Defrazzle Your Finances
DIRECTORY OF FINANCE ARTICLES
Divorced And Cheated Out Of The Family Finances How Smart Divorce Lawyers Are Ruining Women
Do You Need a Mortgage Refinance Loan
Doing A California Refinance Online
DON T LET FINANCES RULE OVER YOUR SELF ESTEEM
Educate Yourself To Amazing Car Finance
Email Scams Ten Simple Steps To Protecting Your Online Finances
Escaping Finance
Ethical Finance Who Benefits From Our Spending
Family Finance
Family Finance Beyond RRSPs
FHA Home Mortgage Purchase Or Refinance Loan Why You Might Consider Getting An FHA Loan
Finance and Divorce
Finance And Lifestyle Are They Interlinked
Finance Forums UK Finance Forum Finance Message Boards Business Finance Forums Online Finance Advice UK
Finance guide basics
Finance is for Everyone
Finance Jobs Finance Career
Finance Tips
Finance Your Car With Poor Credit
Finance Your Real Estate Investment Properties
Finance Your Small Business So Much Money So Little Time
Finances for the Freelancer
Finding a Mortgage Refinance Advisor
Finding the Best Mortgage Refinance Rate
Finding the Right Time to Refinance a Loan
Five Tips to Slash Your Home Finance Costs
Florida Refinance Refinancing in Florida
Foster Home Uses Pay Option Mortgage Loan For California Refinance
General Personal Finance Advice
Get a better mortgage refinance deal than your local bank offers
Get control of your finances
Get The Finance You Need With UK Secured Homeowner Loan
Get The Right Car Finance
Getting Business Finance
Getting the Government to Help Finance your Home Based Business
Getting Your Finances Ready for a SSD Case
Getting Your Finances Ready for your SSD case II
Give your finance woes the blessing of an unsecured loan
Giving Finances a Breather Through Loans for Unemployed
Handle Your Personal Finance Easily
Have you ever considered Bridging Finance
His And Her Finances
Home Equity Loan Refinance Important Facts
Home Loan Mortgage Loan Refinance Refinancing For A Shorter Term To Save Money
Home Loan Refinance Online Benefits To Refinancing Online
Home Mortgage Loan Refinance Benefits To Refinancing Your House Online
Home Mortgage Loan Refinance Refinancing A Fixed Rate Mortgage
Home Mortgage Reasons To Refinance Your House
Home Mortgage Refinancing should I refinance
Home Mortgage Refinancing Things To Consider When Looking To Get Cash Out On A Refinance
Home Mortgages and Refinances
Home Refinance Closing Costs Things You Should Know
Home Refinance Why You Want to Refinance Your Mortgage
How and Why to Refinance Your Mortgage
How Banks Can Help You Improve Your Personal Finance
How online Surveys Financed my First Web Site
How Small Businesses Can Outperform Well financed Competitors
How To Choose The Right Havanese For You
How to clean up your personal finances
How to Finance a Business
How to finance a business for your Son or Daughter
How To Finance A New Extension
How to Finance a New Extention
How To Finance A New Kitchen
How to Finance a Small Business
How to Finance and Build Your Dream Home
How to Finance or Refinance a Motorcycle Loan
How to finance your business when the bank says No
How To Finance Your Dream Car
How to Finance your Medical Office Medical Supply or Medical Testing Company
How To Find Low Home Mortgage Refinance Rates While Rates Are Rising
How to Obtain a Bad Credit Home Loan or Refinance with Bad Credit
How to Refinance Your Home
How to Select the Best Factoring Finance Company for your Business
How to Select the Best Invoice Factoring Finance Company for your Business
How to use freight bill factoring to finance your trucking company
How you can use Rehab Refinance and Cash Out as a long term wealth building Real Estate Investing strategy
Instant Loans Cash Keeps Finance in Order Till the Next Financial Replenishment
Insurance Fuel And Personal Finance In The UK Following Recent World Catastrophes
Invoice Factoring Hot to finance growth without debt or banks
Is Now A Good Time To Refinance Your Home Loan
Is the Havanese the right Puppy for you
J G Wentworth Forecast Consumers Expected to Increase Sales of Annuities They Hold in 2006 Continuing 3 Year Trend in Personal Finance
Keeping Your Business s Finances on Track
kentucky refinance mortgage loan
Know Thy Finances
Life insurance wise investment in personal finance or excessive caution
Like it or Not Finance Matters a Lot
Lions and loans why finance should always be personal
Loans for self employed creating finance opportunities for a group long ignored
Low Credit Score Mortgage Refinance Refinance Loans For All Credit Types
Lowest Interest Rate Mortgage Refinance Loans 3 Ways To Get A Low Rate Refinance
Making Money in Equity Finance
Managing Finances As A Couple What Is Best
Managing Finances for a Better Credit Rating
Managing Your Finances During a Crisis
Managing Your Finances Once Married
Marriage Finances 101
Men Women and Their Finances
Money Doesn t Finance Dreams
Moneynet adds weight to intelligent finance with new personal finance product guides
Moneynet tackles funding university with new student finance guide
Moneynet Takes Finance Personally
Mortgage Brokers For Home Loan Refinance Refinance Online
Mortgage Loan Information Know The Basics When You Refinance or Purchase a Home
Mortgage Refinance 4 Ways To Know It s Time to Refinance Your House
Mortgage Refinance After Bankruptcy
Mortgage Refinance Quote Offers Flexibility to Homeowners
Mortgage Refinance Tips To Help You Cut Fees And Costs
Need Extra Money Refinance or Equity Line of Credit Which is Right for You
New Website Launched for Consumer Finance and Education
New York Refinance Refinancing in New York
Non homeowner loans creating a source of finance for the homeless
Online Mortgage Refinance Quotes Tips To Finding A Better Rate
Online Mortgage Refinance Quotes What some lenders may not want you to know
Online Surveys Financed My First Website
Organize Your Finances Thinking Outside The Shoe Box
Organizing Your Finances Show Me MY Money What You re Worth or net Worth
Pay off debt now 5 steps to getting your finances in order
Payday Loans Personal Finance Savior Or Disaster
Personal Finance 101
Personal Finance 101 Credit Checks
Personal finance have consumers had a belly full of personal debt
Personal Finance Isn t Rocket Science So There s No Need To Stick Your Head In The Sand
Personal finance why you should compare not despair
Personal Finance Worries
Personal Finance Worries Debt
Poor Credit Mortgage Refinance Getting Approved
Poor Credit Mortgage Refinance Refinancing Your Home After Your Credit Score Has Dropped
Protecting Your Finances While Dealing With Your Divorce
Quick Books and Finances
Real Estate Investing start with getting your own finances under control
Reconstructing Your Finances Before And After Bankruptcy
Refi Home Mortgage Loans How Soon Can You Refinance An Adjustable Rate Mortgage
Refinance
Refinance Advisor Online What To Ask Before You Sign When Refinancing
Refinance After Bankruptcy
Refinance After Bankruptcy Applying For A Refi Loan After A Chapter 7
Refinance Benefits Refinancing Could Save You Money
Refinance Car Loan Apply Online For Fast Quotes
Refinance Car Loan Secrets Revealed
Refinance Car Loans Refinancing Your Car Loan Online Is Convenient
Refinance home distilling cash by renewing home loan
Refinance Home Equity Line Of Credit Benefits Of Refinancing Home Equity Line Of Credit
Refinance Home Loan and Refinance Home Loans
Refinance Home Loan What You Must Know Today
Refinance Home Mortgage Loan With Poor Credit 3 Tips On Getting Approved
Refinance Mortgage Lenders Finding The Best Refinance Lender
Refinance Mortgage Lenders Prime Lenders Vs Sub Prime Lenders
Refinance mortgage loan
Refinance Mortgage Loan Tips on Refinancing Your Home Mortgage
Refinance Mortgage or Not
Refinance Mortgage Rate and Mortgage Rates
Refinance Online
Refinance Or Not That Is The Question
Refinance questions you should ask yourself
Refinance Quote Get The Best Refinance Quotes You Can Get
Refinance Rental Property Don t Sell It
Refinance Student Loans How and Why
Refinance To Save Your Hard Earned Pounds
Refinance With Bad Credit
Refinance Your Car Loan 3 Tips For Refinancing Your Auto Loan Online
Refinance Your Fha Home Mortgage Loan Refinancing With The Streamline Process
Refinance Your Home Equity Loan
Refinance Your Home Mortgage Online
Refinance Your House
Refinance Your Mortgage To Rebuild Credit
Refinance Your Mortgage You Could Save Thousands Or More Dollars Over Time
Refinance Your Property Online
Refinance Your RV Loan and Save Thousands
Refinance Your Second Mortgage
Refinancing Online Get The Best Refinance Home Loan You Can Get
Refinancing Your Home Loan When Should You Refinance Your Home
Refinancing Your Home Mortgage Loan Refinance Your Adjustable Rate Mortgage
Refinancing Your House How To Know Whether To Refinance Or Get A Second Mortgage
Rental Property Refinance Don t Sell
Resolve to Improve Your Finances in 2004
SAFELY FINANCE YOUR CHILD S UNIVERSITY STUDIES USING AN EDUCATION IRA
Save Money and Learn More About Your Finances
Save Thousands On Finance Charges Without Marrying Your Banker
Second Mortgage Home Equity vs Refinance
Secured Homeowner Loans Secures an opportunity to finance needs inexpensively
Secured Personal Loans Employ the Right Kind of Finance
Selecting An Equity Finance Consultant
Self Employed Loans Ideal source of finance for self employed
Shopping for a Personal Loan to Suit Your Finances
Short on cash Finance the Mortgage Points
Should I Refinance
Should I Refinance With My Current Lender
Should you choose to refinance
Should You Consider Home Refinance or Not
Should you refinance
Sisters are insuring themselves how finance is the new feminism
Six Ways Under Your Nose To Finance Your Home Based Business
Six Ways Under Your Nose To Finance Your Home Business
Social Housing Finance for Housing the Poor
Sometimes the best deal isn t the right deal when it s time to refinance your home
STOP DO NOT RE FINANCE YOUR HOME UNTIL YOU READ THIS ARTICLE
Stress Management Tip Take Control of your Finances
Students investing in their future need to manage their finances today
Take The Mystery Out Of Finances And Simplify Your Life
Taking control of your finances
The Advantages of Refinance
The Cost Of Refinancing What Costs To Expect When You Refinance Your Home Mortgage Loan
The Havanese Puppy Where did it all Start Part 1
The Havanese Puppy Where did it all start Part 2
The Inferno of the Finance Director
The Question Is To Refinance or Not
The Shadowy World of International Finance
The Truth About Home Refinance Loans Avoiding Potential Pitfalls
The Truth Behind Auto Finance
the truth behind your FINANCES
The World is Not Enough Calling for a More Ethical Approach to Personal Finance
The Wright Place Finances
Tips on How to Refinance
To Refinance or Not That Is The Question
Top 10 Ways to Jumpstart your New Year s Finances
Understanding Basic Finance Terms
Understanding Bridging Finance
Understanding Finance To Make Your Life Easier
Understanding UK Bridging Finance
Unique homes hard to finance
University Life a course in personal finance
Unsecured Business Loans Earn finance without a clause of collateral
Unsecured Business Loans Fuel your business with a low cost finance
Urban Hyena Finance Ravages Opposition
Use Homeowner personal loans to finance your needs the secured way
Use Real Estate Loans To Finance A Commercial or Residential Property
Use Tax Credits To Help Finance Your College Education
Use Your Yellow Page Savings to Finance Your Internet Local Search Visibility
Using A Mortgage Refinance Company Online
Using Equity to Finance Home Repairs
Using the internet to manage your family s finance
Want a cheaper finance for your vehicle Try secured automobile loans
Want to find the Perfect Dog for your home Then the Havanese might just be the puppy you re looking for
War of the Worlds Student Finance versus Life
Wedding Loans Perfect Finance Option for a Perfect Wedding
What Home Refinance does for you
What is Bridging Finance
What s The Truth Behind Your Finances
What To Expect From A Havanese
WHEN IS IT RIGHT TO REFINANCE
When is the right time to refinance your mortgage
When to get an Auto Refinance Loan
Where and How to find Financed Notes
Where to Get a Loan Consumer finance companies
Where to Get Your Online Finance Degree
Why Refinance Back into a 30 Year Loan
WHY REFINANCE YOUR HOME
Why should I refinance
Why Talk about Your Finances to Strangers
Why You Should Read Personal Finance Blogs
Why You Should Refinance Your Credit Card
Will You Qualify for that New Mortgage or Re Finance
Wish You Could Finance Your Studies
Your Competitors Offer Leasing Finance you should ask yourself WHY
Your Finances
|
