TASK 1 - Who Am I - Who Are They

Write a LIST OF POSSIBLE CLIENT GROUPS that use graphic design in the development, production, distribution, promotion and/or communication of their products or services. Identify one client group that reflects your current ambitions within the graphic design area (music industry, retail, publishing, education etc.) and focus on identifying:-

• Health & Beauty
• Cosmetics
• Music Industry - band/DJ identity and artwork design
• Editorial - magazine layout 
• Nightlife/festival/gig Promotion
• Food / Drink - packaging
• Retail - label / advert designs 
• Charity - branding and promotion for them. 
• Publishing
• Information / Educational - adverts / billboard / poster designs e.g. Absolute Alcohol 

MUSIC INDUSTRY - this is the client group which I feel the strongest for. It is a very large client group but I have always taken a strong interest and inspiration from the design work such as for; festivals, logo/identity for DJ's, Bands, Singer-Song writers, this may be because I am drawn to the TYPE module and with the music names/identity - the type has to speak for the person / people. 




WHAT ARE THE SKILLS / INTERESTS THAT YOU HAVE AND HOW DO THEY RELATE TO THE NEEDS OF YOUR CLIENT GROUPS

• TYPE - I am very interested and want to specialise in TYPOGRAPHY which is an essential part of design in the Music Industry - designing labels, covers, identities, gig promotion etc
• MUSIC - I have a intense interest for music and the industry, the design part of it especially, always look/compare different artists design work and keep records of it. I used to always buy stuff based on the cover art work (when I brought CDs)
• Networking - can talk/communicate with other people easily 
• I work well with other people and enjoy working together - your ideas are better perfected you can get more responses

WHAT SKILLS ARE NEEDED AND WAHT SKILLS DO YOU NEED TO DEVELOP

• TYPE - I need to have expert typography skills (haven't yet started the type module)
• COLOUR - more extensive knowledge of colour
• BUSINESS - starting the enterprise module, a lot to learn but need to know more about the Music Industry itself rather than just design
• CONNECTIONS - networking and bringing in clients and being able to keep them
• NOTICEABLE WORK - need to learn and start designing work that will get myself noticed, and have something that I can be differentiated against other people. 

WHAT ARE YOU PROFESSIONAL / CREATIVE AIMS AND HOW DO THEY RELATE TO THE NEEDS OF CLIENT GROUPS

• NOTICEABLE - to be different and for my work to stand out against other designers
• Have a better understanding and skill in Typography
• To communicate with clients effectively - keep them coming back to use my design skills

LECTURE 4 - HOW TO SUCCESSFULLY PROMOTE YOURSELF IN 6 EASY STEPS

TOO MUCH NOISE
getting message all the time - BOGOF, 1/2 price, sale etc - receiving between 5,000 - 6,000 messages a day, each.
difficult to get yourself heard above all the visual noise
How and WHAT will you do this?


1) MARKETING COMMUNICATION MIX

This lists a number of methods that you should consider when you want to promote yourself, a checklist

(personal selling you should do every time) - you should be doing some public relations so that you affect the way people feel about what you are promoting. 

THE INTERNET

Wasnt on the checklist because it is insn't a method in iteself, it is a means of communication, it is a place/conduat - it isnt a way of marketing yourself. You can do may things on the itnernet but publisiing yourlsef should NOT be one of them

0) DO NOTHING - there are plenty of people who don't anything and expect things to come to them - then you'll get nothing

1. GET THEIR ATTENTION 
1. memorable business card - never go anywhere without one - make sure that they have something about what you do/make it something memorable 
2. advertising 
3. events
4. radion interview
5. write articles - for an article for a magazine you read, write about something you know really well, you know who the type of people are who read that magazine. 
6. run a blog - visit other blogs and make meaningful contributions - get seen
7. exploit social media
8. publicity - good publicity. 
2. BUILD THEIR INTEREST - where they can be drawn into you
1. Website
2. portfolio
3. information packs
4. curation - make an event but make sure that you are curated for this so it is not just your work but the way in which you work and put together work. 
5. exhibitions
3. CONVINCE THEM
1. artists statement - value statement, mission statement - anything that shows what your values are and what direction you are heading in. 
2. recommendations - testimonials on your website from other people (from work placements) - use the best of them on your early websites. 
3. testimonials
4. awards
5. communicate engagement - you deliver, have trust and you care
6. professional bodies - worth perusing - achieved a certain standard of work that is sufficient to satisfy a group of peers. 
7. charity events. - similar to community engagement - shows a level of commitment e.g. run and raise money for a charity. 
4. MAKE YOUR OFFER IRRESISTIBLE
1. value Proposition - have a look at their website and see what they are wanting and what matters to them  
2. pricing strategies - how they are going to pay you - partnership - how you price the work for them, you do this by doing a bit of mind reading and listening
3. Packaging - the services that you wrap around the what you are buying from you, just at the point you think they may be wavering, you throw in what you have up your sleeve - do something more etc
4. try before you buy - do a small job for nothing...one of the most difficult thing is to produce college/uni perspectives - throw in something on the side just to get the big job
5. recommendations - say that 'if you are in doubt, then go talk to this person and just have a chat with them' etc
6. differentiation - its who you are and how you do business - you think alike, you have chemistry etc. 
5. CLOSE THE SALE - not about telling them any more, this is the point where you say 
1. Convenience - "OK, is there any way that I could make this more convenient to you, is there anything you need to be done to make this more productive for you..." 
2. buy it now - find out what is stopping them from choosing you e.g. another person in the picture 
3. Right place; the right time
4. Delivery
5. Personal selling - sitting down face to face when it is big job and there is alot of money involved you have got your client right to that point...
6. Interactve website - help make it feel like a personal sale, but put all the questions to them and let them convince themselves that this is what they want to do, you have to ask them and let them decide
6. REINFORCE - continue to tell them its a good decision
1. After sale service - make reasons to call them  how they are doing, if they had problems with the last piece of work, even after they have paid
2. Advertising - 
3. Public Relations - engadge with public relations so that you are still in tenir face
4. Longevity - re-assures them constantly.
5. Merchandising
6. Maintaining contact
7. Building relationships

JOHNNY CUPCAKES - example of re-inforcement

• no art or design education and claims to have no business training
• created brand of T-shirts with a shop in LA and New York and maybe now LONDON
• The TOUR is all about re-cooling the brand and re-assuring that he is still doing lots of special new stuff
• For a period of time he can get people watching his party videos to re-enforce it

AIDA - well known long established - ATTENTION, INTEREST, DESIRE, ACTION

(when you do the presentation it will be good to see some of these being put forward - to show that you understand some of the steps, shows how you will get there attention)

WHO - they are every body

It is not appropriate to say that your product/service is available to everybody - there is no such thing these days

Until you tailer yourself to a particular market you will not get success

The best people want a specialist

TARGET YOUR MARKET

Used to be WHAT, WHERE but the key is WHO - FACEBOOK - target adds shown depending on your 'interest' section. Its let you minimise spamming. 

When you see that items are on sale they appeal to LATENT DEMAND - try to tap into this when you are advertising - now you can show adds to very specific demands. You may want to show a DIFFERENT message to DIFFERENT groups of people...

e.g. STUDENTS - not a defined market - everyone is different, that is just an age group - e.g. students between the age of 20-22 who study ....and enjoy....

Advertising used to come to us - we used to hunt stuff down e.g. Yellow Pages - now adverts find us...

• How do we define customers?

People are so complex, our lives are rich and complex that it is almost impossible to target people accurately. 

[LOOK AT THE SLIDE WITH MUM & KIDS] - Market Segmentation

Number of people who are trying to get her attention - many products, may overlap

Different aspect of characters attract different types of things

MEDIA USAGE

• NEWSPAPERS
• Magazines
• Radio/tv
• internet
• social media
• trade magazines
• public space advertising
• parish Magazine

Knowing where customers go for information tells you how to reach them .

B2B - BUSINESS TO BUSINESS - make it personal though. 

• Sales director, marketing manager, brand manager, product designer
• communications - internal, external
• Employer - training, working environment, CPD
• Specialist industry - competitive, new ideas, trends
• MEDIA USAGE - more defined in this area - be CLEAR WHO
• specialist industry magazines
• marketing magazines
• business magazines
• radio - in the car
• airline magazines
• industry exhibitions
• conferences
• networking events
• broadsheet newspapers. 

CONSUMER SEGMENTATION - every consumer is wearing ALOT of different hats, make sure that when you are getting a message across to them that they are wearing the right hat at the right time. 

One MISTAKE - assuming that the person you are trying to reach are reading the same type of magazines etc as you. 

• demographics - look at facts and figures e.g. male/female, occupation, earning
• geographical - where they are
• lifestyle choices
• media usage

SUMMARY

• the marketing communication mix
• 6 stages of effective communications
• AIDA
• How to target a market using segmentation
• The difference between consumers and B2B market. 

LECTURE 3 - VALUE, WHAT ARE YOU WORTH?

ORGANISATIONS

creative & cultural skills
cultural leadership
the crafts council
design council
heritage lottery fund


WHAT ARE YOU WORTH AND TO WHOME? - in principle, social and commercial terms. How can we be employable in more diverse ways

WHAT IS THE VALUE OF YOUR CREATIVITY

• DRUCKER (1985) argued that innovation is the tool of entrepreneurship. In addition, both innovation and entrepreneurship demand creativity. Creativity is a process by which culture is changed. New sons, new ideas, new machines are what creativity is about. 
• Are you an entrepreneur - am I being innovative...?
• MIHALEY (1997) - Seeing things which everyone around us sees, but we are making connections that no one else can see. Creativity is the ability to make or otherwise bring into existences something new, whether a new solution to a problem, a new method or device, or a new artistic object or form. Creativity is the act of seeing the things that everyone around us sees while making connections that one one else has made. 
• The HOCKNEY PAINTING - Bigger trees near Warter - now demolished 'slaughtered' - he did this painting of a stand of trees of a junction, he helped people to see the stand of trees which everyone was missing, not very soon after, the trees were cut down. He has opened the eyes of the people that it was reported in the newspaper that the trees had been 'slaughtered'. He helped people to see things differently
• PHILIP KOTLER - his 'Marketing Management' book - create communicate and deliver VALUE TO A TARGET MARKET AT A PROFIT. PRODUCT MANAGEMENT is creating value. Every company much have this. You have to communicate value which is branding. Communicate excitement. To deliver value is called CUSTOMER MANAGEMENT. OPEN TECHNOLOGY/innovation - find the best ideas anywhere they can come from. Brand building - used to mean packaging/name/logo, but today the brand is a promise, it inspires everything you do, the way you act when your are approached and react, it is emotional. Now want MIND, HEART, SPIRIT share - it is now closer to your own interest.
• customer management - this isn't having a database of contacts and just mailing them....MEET THE CUSTOMERS AND KNOW THEM BEYOND THE DATABASE, get their help in creating products, co-create with the customers, and co-create your advertising. e.g. Innocent smoothie - customer feedback to help develop their products. 
• There has been a MASSIVE change. Open source technology - they are collaborating
• CCDVTP
• C - CREATING
• C- COMMUNICATING
• D - DELIVERING
• V - VALUE
• T - TO A TARGET MARKET
• P - FOR PROFIT

We buy products EMOTIONALLY - we don't need what we buy we just like it. To be able to create a project which people need...we need to know what the public need...INSIGHT.

Little difference between the first man and the modern man sitting at a computer - our basic needs and instincts have not changed. Just like animals, we need to protect ourselves and have mechanisms that keep us safe and secure. Over the years we have built barricades, somewhere we can be protected. We cannot develop and learn if we are not safe from attack. We need to co-oporate and socialise to be able to get on and survive = SOCIAL STRATA (hierarchy) both in social and business situations.
Status Symbols - in nature the symbols have developed e.g. deer with largest horns  = leader

Spiritual Needs - may be one of the defining differences between animals and men. We need to constantly challenge ourselves mentally and physically to be happy. E.g. climbing a mountain - no awards but personal thing.


MASLOW'S HIERARCHY OF NEED

Love/Belonging - these projects play on our emotions e.g. Domilo Night - you will be a better family if you sit down and eat this sauce together as a family. 

Esteem - yyour area of achievement. 

EXAMPLE - the TSNAMI - start from the bottom, you need to give them something to help them live e.g. food, then give them somewhere safe and undercover. Once they are in that place, naturally people will develop social networks, from this people will develop leaders and social status and some will find them selves well respected. Only then when all these things are in place can we indulge in the luxuryies etc, to have a life, to love and to learn...

If you understand what peoples motivations/emotions are, then you can fulfil their needs

DESING IS APPLIED PSYCHOLOGY - engineering is applied science, art is applied Philosophy. One way or another you are trying to fulfil peoples needs. 

Think about the project work you are doing this year and see if what human needs you are asked to fulfil in it. 

DAN GERMAIN - HEAD OF INNOCENT SMOOTHIE - they have had to rethink their needs in economic crisis. - keep telling and reminding people why you are useful. People want useful things in their life. If you lose your spot in peoples list of useful things you will suffer. Ask if your are developing new and innovative ideas - only with truly useful ideas are you going to develop. Stay interesting in peoples minds. 

You cannot be an original thinker if you are constantly allowing them to distract you e.g. tv - you are blocking out your ability to be truly creative. 

Driven by human need - not hard to work out where the money is out there. 

GREATEST HUMAN NEEDS = GREATIST MARKET POTENTIAL

• food industry 
• housing
• utilites
• medicine
• transport
• construction
• insurances
• water 
• new technologies

REDUCED HUMAN NEEDS = LOWER MARKET POTENTIAL

• organic farming
• holiday cottages
• home insulation
• health spas
• lucury sports cars
• conservation
• religion
• swimming poos 
• alternative technology. 

VALUE
SHORT
SPECIFIC
CUSTOMERS LANGUAGE
PASSES SEAT OF THE PANTS TEST


TECHNO-LATIN - this is the language which is used within a company when talking about the product.
Get inside the customers head, have a conversation and record it. Customers describe what you have on offer, what you do etc in a completely different way from how you do.

OVERALL AIM - who's lives is it going to improve

VALUE PROPOSITION
(TOP TO BOTTOM TRIANGLE)

OVERALL AIM/MISSION
SPECIFIC AIMS - these set out the difference we hope to make - OUTCOMES
OBJECTIVES - these set out how we plan to go about achieving aims - OUTPUTS
this is the specific MEASURABLE stuff of what you are going to do this, you CANT DO ANYTHING without these
START YOUR PROPOSITION WITH THIS - it needs to be 3 sentences long (aim, outcome, outputs) - 60 words, NO more.

EXAMPLE

MISSION STATEMENT/VALUE PROPOSTITION

• I want aliex to have a @1st birthday that everyone will remember

(LOOK ON MOODLE) ------------------

OBJECTIVEs

BBC MISSION AND VALUES

OUR MISSION

To enrish peoples lives with programmes and services that inform, educate and entertain

OUR VISION

to be the most creative or

LOOK ON MOODLE ------------

BEN & JERRYS MISSION AND VALUE

PRODUCT MISSION

To make, distribue and sell the finest quality all natural ice create and euphoric c

LOOK ON MOODLE. -------------------

If you afre going to get people to BUY into your idea. It is like a good book - if it doesnt grab you in under the first 5 minutes then it will not work. If you want to sell an idea to someone/killer presentation then START with a value statement which says something about the solution you have come up with but without telling people what it is. 

• This is what i want to do
• this is how it will affect people
• here are the specific things i have done to achive this

It is a great way to introduce everything - very persuasive. 

LECTURE 2 - IDEAS & OPPORTUNITIES

IF YOU DONT TRY - then you will fail anyways
How to create and spot opportunies. One thing you have to know the difference between is an idea and an opportunity.


WHAT IS AN IDEA

• OCCURS AN TIME
• TO ANY BODY
• RANDOMLY
• SELDOM MATERIALISE

start to analyse you idea and see that if it is worth persuing

Ideas can be confused with PLANS - e.g. going into town, an idea to go to town or going to town. The idea becomes more imperative the further it progresses. 

Ideas dont mean alot unless you back it up with reason and research

OPPORTUNITY

This is a colision - factors, issues etc collige

• ENVIRONMENTAL FACTORS MERGER - government, school etc
• THE RIGHT CONDITIONS
• THE RIGHT PLACE; THE RIGHT TIME

THE WRONG TIME

• invensions before their useful time e.g. helicopted, flying machine, machine gun, parachute
• P - Politicians could not see any benefits
• E - economics were fragmented
• S - society had no need
• T - technology to primitive

THE RIGHT TIME

• CONCORD - when it was first pushed through as an idea (after the Second world war) - Europe needed to mend a few relationships, some were better and some were worse. Everyone wanted a peaceful union - all types of technologies were developed as result of 2WW. 
• They put together a political need to travel and work together (with USA), social demand and spare money, needs to get there faster by business. 
• Needed to get people across Atlantic fast because phone links were so poor. 
• 1988, the first fibre optic cable was laid - this meant that the CONCORD became less and less relevant. Eventually it was superseeeded by the internet

SUPERSEDED BY THE INTERNET

• Political drive to aqlure and analyse more data
• Economics - ecohomy of scale international trade explanding, Air ttravel shrinks the glob
• Social need to connect and learn
• T - computers in the commercial use 1950

BIG BANG - changes to POLITICAL, ECONOMIC, SOCIAL, TECHNOLOGICAL = OPPORTUNITY

• It is important to know what is going on all over the world rather than just gettting the general news about your country
• ECOHOMIC - Read a broadsheet news paper at leaste once a week e.g. Times, Telegraph (editorials) - you will have a far more informed view (look on website)
• POLITICS - local, national and international. Trade laws, tax breaks, human rights, Legalisation
• TECHNOLOGY - do you konw about the latest thinking of just what you see in the shops? Wired, Gardian, Economist - can inform your business/practice, don't be contstrained about the technology you know now, have information about what the techonlogy is going to be next year
• SOCIAL - what is affecting everyone or just what affects you. Work - life balance, Eco - awae, Ageism, Debt recovery, grow your own. 
• PEST ANALYSIS - MARKETING 101 = CAN MEASURE OPPORTUNITIES. Scan you environment accurately. The world is lead by SOCIAL AND POLITICAL CHANGE - start there and see if you can do something significantly different

PEST ANALYSIS - LEEDS CITY ART GALARY

• Wanted a public and private partnership in order to keep this gallary alive. 
• ECONOMIC - what would be the affect if they charged entry
• SOCIAL - if they closed half the gallery down, what does society want from this place. 
• TECHNOLOGICAL - How can techenological developments can they have to attract the visitors

The OPPORTUNities YOU SEE depend on what kind of creative you are

WHAT KIND OF CREATIVE ARE YOU

• EVOLUTIONARY - REVOLUTIONARY
• MANAGER - OPPORTUNIST
• CAUTIOUS - RISK TAKER

when you go into business, find someone who is at the other end of the spectrum from you to help and work with you

CREATIVE ENTREPENEUR (top to bottom) - depends on risk, caution, opportunity seeker depends on how you respont

• OWNER ENTRENEUR - interior designer, project manager, co-oroding, collaborators - could start off as a creative, then become a manager, then eventually become a manager - then you dont spent nearly as enough time at the computer. you are directing other people to create work for you. e.g. Damien Hurst - he comes up with a concept, has a conversation with a maker, then guides that person to make that piece of work. Also Anthony Gormley - he has his work mainly produced by Halifax, 
• OWNER MANAGER - creative with assistant, small practice, co-operative, retail = could be a creative practitioner who has a few assistants, may be like a dental practice/solicitors practice where you are all working together as a partnership> increases your capacity to work and opens opportunities to meet people. 
• OWNER WORKER - artist, crasftmen, one man band - entirely in charge of your own destiny

WHERE DO OPPORTUNITIES COME FROM 

• trends 
• technical developments
• political change
• economic boom and slump
• human need
• problems
• reserach

e.g. Richard Branson - travelled with British Airways and got annoyed so he decided to start a business of trans-atlantic flight with more choice and more entertainment - he turned it into a more exiting opportunity and and experience. 

SONY WALKMEN

• sony thought that if they could make it small and fit the headphones and be able to carry around they they could listen to music

NIKE

• Problem - new surface on the running track at uni
• Solution - new sole with a better grip - waffle sole

INNOCENT FOODs

• its hard being healthy in this modern society
• created first recipes
• went to music festival
• conducted research - YES/NO bins - they stopped everything and made smoothies because of social pressure

POST IT's

• mistake, trying to produce a low-tak glue, wanted to get a book mark that would stick to the page. They realised they could stick the pieces of paper to gether. 

PUSH & PULL - 2 ways of looking at opportunities

• TECHNOLOGICAL PUSH - sony put the walkmen out there and see what happened
• MARKET PULL - where the market is demanding something e.g. innocent foods

WE are designers, we offer services and are not going to be making/inventing stuff

We HAVE OPPORTUNITIES in...

• project management - have to be able to visualise a period of time, understand a body of work that needs to be executed, and to be able to PLAN a path way. Have to understand how to organise yourself to get from A to B
• know how to find the right people - work experience, favours etc,
• know where to source stuff - in specialist areas so know how to get stuff e.g. materials, equipment - what ever it is you want to use, need to be resourceful. 
• can work with a team - have to be albe to get one with all sorts of people, skilled and successful at managing all sorts of different relationships. 
• gets along with all kings of people - 
• optimistic - anybody who is creating concepts for the future has to have this. See opportunities where other people don't
• communicates well - constantly having to communicate effectively

PROJECT MANAGER SKILLS

• Define problems, 
• build confidence
• problem solving
• risk analysis
• physical resources
• planning
• human resources
• quality control - this skill takes time to development, producing consistent quality is the mark of a successful business, you admire any place that you want to get a job opportunity at. You need to be able to analyse your work and set some criteria for yourself. Get your list of value statements, and check off how closely you have met these in the piece of work you produced. Not just hope, you have to measure it. 

SO  YOU THINK YOU HAVE SPOTTED AN OPPORTUNITY?

• SKILLS - technical - process - work out where you are going to get these skills from if you dont have them - quality, management, communication etc
• APTITUDES - teamwork - entrepreneurs do not do it alone - surround yourself with people you will bring those skills in, spot is and then think who could help - dont think that the partnership you make is going to be a marrage, pick them up, use skills then seperate at the end. 
• PERDISPOSITION
• risk/caution
• evolution/revolution

HOW DO YOU KNOW IF IT IS A GOOD OPPORTUNITY?

• look at your COMPETITORS
• how many are there
• how well are they doing it
• what do they do well/badly
• what could you improve upon

WILL ANYONE BUY IT?

• MARKET DEMAND

ACCESSING COMPETITORS

• have a look at what they are doing and assess their strengths and weaknesses in order to work out what sort of oportunities you could have
• also work out the THREAT
• STRENGTHS - what can you learn from the things they do well - the 4 P's - product, price, place, and promote
• WEAKNESSES - what is not good enough about their 4 P's
• OPPORTUNITIES - look at your own 4 P's and then the P.E.S.T
• THREATS - P.E.S.T analysis. Marcro environment

ASSESSING THE QUALITY OF THE OPPORTUNITY

• for me
• for the customer - what is different about the way you are doing things that is going to benifit them
• for the planet - environmentally friendly
• for the other stakeholders - anyone who is affected by your business; employee, local business, family etc

INTERNAL ENVIRONMENT - 

• your skills, resources, life style

MICRO ENVORMENT - what immidiately touches on you

• your network of friend and associated
• your competitors and other practitioners
• your suppliers
• your local community
• stakeholders

MACRO ENVIRONMENT (fill in the bullets0

• world market conditions - currency, populations, cultures
• economics
• technology
• social trends
• politics
• the evironment

SWOT ANALYSIS - PERSONAL, OWN BUSINESS, OPPORTUNITIES SPOTING

PEST ANALYSIS - STEP, STEEP, PESTILE

STAKE HOLDERS

MARKET PUSH AND PULL

SUPPLY AND DEAMAND. 

WORKSHOP - THE COST OF LIVING (part 1)

BILLS

COUNCIL TAX - tax that is raised on the property, this is based on the size and location of the house, you pay this tax weather you own or rent a house, but students don't  (2 bedroom flat in west end of leeds is average 1200 per year)

GAS BILL - most houses that are more than 20 years have both GAS and ELECTRICITY bills, but most of the houses now a days run on just electricity (cooker and central heating) so you wouldn't have a gas bill, but would have a much higher ELECTRICITY BILL

WATER - could be monthly basis, or could be based on the meter usage. Some houses have water usage included in the rent bill.

DAMAGE/REPAIRS - normally the landlord will pay for it if it is just normal ware and tare, but if it is damage that you caused, then you will be made to pay for it. If you BUY a flat then you will have to pay for management feeds, e.g. paying your share of paying for managing the lawn, keeping the doorways/corridors clean.

FURNITURE/SHEETS ETC - lamps, sheets, tv, tables, chairs, linen. How much would you spend annualy, its just to freshen the place up.

OTHER

• SUPERMARKET
• CORNERSHOP
• LUNCHES
• TAKE AWAY
• EATING OUT
• CAFE AT UNI

HEALTH PLAN

MEDICINES/REMEDIES

SAFETY & SECURITY

HOME CONTENTS INSURANCE

SAVINGS PENSION CONTRIBUTIONS - average of 10-20-%

PET INSURANCE

SECURITY SYSTEMS - you only have to pay for this if you own your house, if you rent then it then the land lord pays

LOVING NEEDS & BELONGINGS

LANDLINE - 0

MOBILE PHONE - 460

TV LISCENCE - 145

INTERNET - 120

GIFTS - 200

CLUBS/MEMERBERSHIPS - 200

ENTERTAINMENTS

CINEMA/DVD - 200

ALCOHOL AT HOME - 720

ALCOHOL OUTSIDE HOME - 800

RECREATIONS SUBSTANCES/CIGARETTES  - 2,000

COFFEE & SNAKS - 400

SOFTWARE/MUSIC/DOWNLOADS - 100

PLAYING SPORTS/EQUIPMENT - 200

LUGGAGE - 100

GGIS, CLUBS, CONCERTS - 800

ENTERTAINING FRIENDS/PARTIES - 400

ESTEEM NEEDS/COSTS

COSMETICS - 800

CLOTHING & SHOES - 3,000

TOILETRIES - 800

HAIRDRESSER - 300

SELF ACTUALISATION NEEDS

NEWSPAPERS/MAGAZINES - 100

MUSIC, ART, BOOKS - 250

POLITICAL EXPENSES - 0

CHARITABLE DONATIONS - 60

 

TRAVEL & PERSONAL COSTS

BUS - 100

TRAIN - 600

TAXI - 400

FLIGHTS - 600

CAR EXPENSES

COST OF VEHICLE - 2000

TAX DISC - 150

MOT - 

PETROL - 3000

SERVICE  - 1500

INSURANCE - 2500

ANNUAL HOLIDAY COSTS

LONG WEEKEND CITY BREAK - 300

ANNUAL 2 WEEK HOLIDAY ABROAD - 2000

WINTER SKIING HOLIDAY - 1500

CAMPING/WALKING HOLIDAY - 200

FAMILY OCCASSIONS - 400

UNEXPECTED TRIPS - 500

OTHER - 0

AVERAGE TOTAL = 37, 500