From Reference Budgets to Budget advice – first experiences, ASB
Transcription
From Reference Budgets to Budget advice – first experiences, ASB
GRUNDTVIG – transnational Workshop 1st March 2013 Bonn From Reference Budgets to Budget advice – first experiences Christa Leitner, Maria Kemmetmüller ASB Schuldnerberatungen GmbH, Austria Reference Budgets Austria Reference Budgets for essential household expenses in Austria estimate of essential costs of living that meet people‘s actual needs and permit an adequate participation in today‘s society Reference Budgets are a reference, never a prescription! Reference Budgets for social inclusion are about „having a life, not just staying alive“. (Bernadette Mac Mahon, Vincentian Partnership for Social Justice) Motivation Tool for budget information and advice, debt advice and prevention work guideline and support for debt counselors guideline for non-attachable income Use in Austria budget advice (in progress) debt counseling (debt prevention) poverty research – poverty measurement lobbying Methods used based on empirical data constructed by budget experts combination of both approaches in addition: focus groups – public consensus => 2013: update by increased use of focus groups (UK approach) Reference Budgets Alleinlebende Person (25–51) Paar (25–51) Alleinerziehende Paar Person + 1 Kind + 2 Kinder (8) (7+14) Paar + 1 Kind (8) Alleinerziehende Person + 2 Kinder (7+14) Paar + 3 Kinder (7+9+14) Fixe Ausgaben Miete und Betriebskosten Warmwasser (Strom/Fernwärme) Strom Heizung (Gas) 430,6,29,43,- 486,12,44,52,- 486,12,44,52,- 648,24,66,69,- 567,18,58,61,- 567,18,58,61,- 729,30,69,78,- Kraftstoff/Reparaturen/Servic e# Garage/Parkgebühren# Haftpflic htversic herung/Steuer# öffentlic her Verkehr * * * 80,- * * * 160,- * * * 90,- * * * 187,- * * * 170,- * * * 107,- * * * 197,- Telefon (FN+Mob) /Internet/Kabelfernsehen Fernsehen/Radio-Rundfunkgebühren 56,23,- 64,23,- 56,23,- 72,23,- 64,23,- 64,23,- 72,23,- Haushaltsversic herung 12,- 12,- 12,- 14,- 13,- 13,- 14,- * * * * * * * 0,0,- 0,0,- 12,143,- 38,286,- 12,143,- 38,286,- 50,429,- lokale Steuern Sc hulkosten (inkl. Materialien) Kindergarten/Hort/Tagesmutter andere Ausgaben: z.B. Mitgliedsbeiträge und Abonnements Zwisc hensumme Fixe Ausgaben * * * * * * * 679,- 853,- 930,- 1.427,- 1.129,- 1.235,- 1.691,- 59,69,37,* 118,76,74,* 94,79,67,* 188,96,134,* 153,86,104,* 129,89,97,* 223,106,164,* 165,- 268,- 240,- 418,- 343,- 315,- 493,- 326,9,32,* 0,- 587,10,56,* 0,- 522,10,44,* 10,- 880,14,88,* 32,- 782,14,68,* 10,- 782,14,64,* 32,- 913,16,100,* 42,- Unregelmäßige Ausgaben Kleidung und Sc huhe Möbel, Ausstattung, Garten etc Gesundheit(svorsorge) Freizeit (Urlaub, Fortgehen, Hobby…) Zwisc hensumme Unregelmäßige Ausgaben Haushaltsausgaben Nahrungsmittel (inkl. Snac ks) Reinigungsmittel Körperpflege Haustier Kinder (Ausflüge, Materialien,…) Sonstiges (Rauc hwaren, Gesc henke,…) Zwisc hensumme Haushaltsausgaben * * * * * * * 367,- 653,- 586,- 1.014,- 874,- 892,- 1.071,- 0,58,- 0,116,- 8,90,- 31,180,- 8,148,- 31,122,- 39,212,- Sonstige Ausgaben Tasc hengeld für Kinder Soziale und kulturelle Teilhabe Zwisc hensumme Sonstige Ausgaben Gesamtausgaben Armutsgefährdungsschwelle* Pfändungsgrenze 2012 ** Bedarfsorientierte Mindestsicherung*** (zzgl. Familienbeihilfe, Kinderabsetzbetrag und Mehrkindzuschlag) 2012 58,- 116,- 98,- 211,- 156,- 153,- 251,- 1.269,- 1.890,- 1.854,- 3.070,- 2.502,- 2.595,- 3.506,- 1.031,- 1.546,- 1.340,- 2.371,- 1.856,- 1.856,- 2.680,- 1.160,- 912,+ 171,1.083,- 1.438,+ 373,1.811,- 1.299,+ 171,1.470,- 1.052,+373,1.425,- 1.577,+599,2.176,- 950,- 773,- Project Budget advice 2012/13 purpose improve the handling of private households‘ expenses support the calculation of household‘s budgets prevention of debts by balanced budgets and identifying savings capacity target group = not overindebted people = people/households with low income a/o experience income decrease a/o who have problems with their households‘ budgets Project Budget advice 2012/13 Realisation Online-advice – Webtool www.budgetberatung.at use of RB for the budget calculator Face-to-face counseling since 11/12 about 60 clients about 10 budget advisers Topics divorce, retirement, savings, to get by on income, birth of a child, purchase of an appartment, move in: move out, studies, … => implementation of low-threshold budget advice services Reference Budgets as prevention tool an example … using reference budgets for improving the financial literacy of young people IfS-Schuldenberatung Vorarlberg warning signal € 350,- per month If - after deduction of monthly fixed expenditure – the financial scope ist about 350,- € per person and per month, then the traffic light is green. IfS-Schuldenberatung Vorarlberg warning signal € 200,- per month The traffic light shifts to orange, if – after deduction of monthly fixe expenditure – there are just 200,- € available. In this case the advice center recommends increased caution. IfS-Schuldenberatung Vorarlberg warning signal € 100,- or less per month The traffic light is red, if there are just 100,- € per month available or living is only possible on credit. The insolvency is imminent. Reference Budgets as a contribution for a good life for all!