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25 апреля 2009 | Автор: Admin | Рубрика: Научная литература » Экономика | Комментариев: 0

Get That Home Deposit: An Action Plan for Buying Your Home Fast
Publisher: Allen & Unwin | ISBN: 1865087424 | edition 2003 | PDF | 295 pages | 1 mb

A pile of money, a simple pile of money. Many of us have never put together in the one place at the one time even one thousand dollars. As a nation we are lousy savers. The average Australian saves a mere 2.5 per cent of their disposable income after tax. In the year 2000 Australia was ranked sixteenth among the developed nations for savings. The average household in South Korea saves at nine times our rate (ABS, OECD data). And our savings rate now is less than one-fifth what it was in the 1970s. There must be someone we can blame.
I once worked with a woman in her early twenties who had the world at her feet. Linda was well educated and secure in her employment and career. Her partner also had a stable job. Between them they earned over $100 000 in annual salary (in today’s money values). He earned a bit more than she did, but her better education meant her income had greater potential to rise over time. They had no children to support, took no exotic overseas holidays, spent little money on homewares for their rented unit and had almost nothing in the bank. Linda told me she would never own a home. ‘We can’t afford it,’ she said.

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