Study

Household finances

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  • What is direct debit? Give an advantage of this.
    A different amount of money paid directly from a consumers current account.
  • What is FIS(Family income supplement)?
    A weekly payment where the parents/ parent is in a low paid employment. FIS is 60% of the difference between the net family income and income limit that applies
  • List three advantages to buying with credit
    Don’t have to carry large sums of money around, encourages people to spend money (helps Irish economy), useful for emergencies, allows us to pay for large items
  • Name three social welfare payments available to individuals.
    One parent payment, supplementary welfare allowance, maternity benefit, FIS; jobseekers benefit, disability allowance, pension- old age, widows, blind persons,
  • What three areas of credit are controlled by the Consumer Credit act of 1995?
    Monitoring credit advertising, states that borrowers cannot be visited at workplace for payment, states hire purchase agreement requirements
  • List two factors to consider when choosing a saving scheme.
    Access to funds, security of savings, interest earned, tax payable.
  • What saving scheme would be suitable for a student with a part time job that pays rent
    Deposit saving scheme
  • List three ways a family can reduce household expenditure.
    Travel - walk, cycle, carpool Clothing- charity shops, Food shopping- shopping list, supermarkets -Lidil, aldi. Household bills- turn off lights,thermostat
  • List three functions of mabs
    confidential money advice and budgeting service to those in debt, or at risk of debt. identify sources of credit to pay debt, prevent people from getting debt