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!