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Top level private health insurance, doctor/specialist visits, pharmacy needs |
Basic private health insurance, limited gap payments |
No private health insurance |
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Fast reliable internet/telco subscription, computer/android mobile/streaming services |
Basic mobile, modest internet data allowance |
Very basic mobile and limited internet connectivity |
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Own a reasonable car, car insurance and maintenance/upkeep |
Owning a cheaper, older, more basic car |
Limited budget to own, maintain or repair a car |
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Regular leisure activities including club membership, cinema visits, exhibitions, dance/yoga classes |
Infrequent leisure activities, occasional trip to the cinema |
Rare trips to the cinema
|
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Home repairs, updates and maintenance to kitchen and bathroom appliances over 20 years |
Limited budget for home repairs, household appliances |
Struggle to pay for repairs, such as leaky roofs or major plumbing problem |
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Regular professional haircuts |
Budget haircuts |
Less frequent haircuts, or self-haircuts |
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Confidence to use air conditioning in the home, afford all utilities |
Need to keep a close watch on all utility costs and make sacrifices |
Limited budget for home heating in winter |
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Occasional restaurant meals, home-delivery meals, take-away coffee
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Limited meals out at inexpensive restaurants, infrequent home-delivery or take-away |
Only local club special meals or inexpensive take-away |
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Replace worn-out clothing and footwear items, modest wardrobe updates |
Limited budget to replace or update worn items |
Very basic clothing and footwear budget |
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Annual domestic trip to visit family, one overseas trip every seven years |
Annual domestic trip or a few short breaks |
Occasional short break or day trip in your own city |