Family Resource Management

Componets ofManagement
1. Inputs
  1. Demands & Resources
    1. Needs wants goals and values
    2. Human, Material, Environmental
2. throughputs
  1. Planning
  2. Organising
  3. Implementing
3. outputs
  1. Results- Consideration
  2. Demmands?, Resources?, changes in values
Factors affecting Family Management
1. Size and composition of Family
2. Stages in the family cycle
3. Employment Patterns
4. Socioeconomic Status
5. Management of Dual Role
6. Culture
7. Gender Roles
8. Values & Standards
Household Finaces
1. Social factors affecting income
  1. Age
  2. Socioeconomic Status
  3. Gender
  4. Culture
2. Sources of Income
  1. Benifits
    1. Social Insurance Payments (Contributory)
    2. Social Assistance Payments (non- contributory)
    3. Universal Payments
  2. Other e.g. Investments
  3. Pensions
  4. Wage
3. Pensions
  1. Personal Pension
  2. Occupational Pension
  3. State Pension
    1. Contributory
    2. Non- Contributory
Household Expenditure
1. Budgeting
  1. Plan for spending Money
  2. Prevents overspending
  3. Provides security & reduces stress
  4. Encourages saving
2. Creating a Budget
  1. List sources of Income
  2. Calc. Yearly Expenditure for each item e.g. health Ins.
  3. Incorporate long/ short term savings
  4. Review regularly
3. Essential or Discretionory
4. MABS
  1. Free, Confidential, non judgemental
  2. Support/ help draw realistic budgets
Payment Methods for goods and services
1. Cash
2. Cheque
3. Debit Card
4. Credit Card
5. 3V (Virtual Value Vouchers)
6. Direct debit & Standing order
7. Billpay
8. 24 hour banking by phone
9. Credit Transfer/ bank giro
10. Online banking

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Family Resource Management

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