Table of Contents
Abbreviations
Premier Insight
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- Food
- Finance
- Entertainment
- Technology
- Health
- Travel
Executive Summary
-
- The consumer
- The people
- Where the money comes from
- Where the money goes
- Spend on home acquisitions and household services
- Spend on household durables and consumables
- Spend on food, drink and tobacco
- Spend on entertainment
- Spend on travel
- Spend on personal goods
- Spend on health
- Spend on finance
- The future
Population
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- 1. Demographics
- 1.1. UK population trends: 60 million by mid-2005
-
- Figure 1: UK population trends, by gender, 1984-2009
- 1.2. UK population trends, by age: An ageing population
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- Figure 2: Population trends, by age, 1999-2009
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- Figure 3: Population structure, by major age groups, 1999-2009
- 1.3. The Dependency Ratio: Declining gradually after 2006
-
- Figure 4: Dependency ratio of population, 1999-2009
- Figure 5: The dependency ratio, 1999-2009
- Supporting the Dependent population:
- 2. Life events
- 2.1. Marriage/divorce rates: Falling marriage rates, stable divorce rates
-
- Figure 6: Marriage and divorce trends in the UK, 1994-2009
- 2.2. Parental Age: Ageing parents
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- Figure 7: Number of births in England and Wales, by age of mother, 1981-2004
- 2.3. Lifestage: Ageing population boosts retired
-
- Figure 8: Structure of the adult population, by lifestage, 1999-2009
- Figure 9: Lifestage changes, 1999-2009
- 3. Household populations
- 3.1. Households: Trend for single households
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- Figure 10: Changing structure of UK households, 1994-2009
- 3.2. Household working patterns
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- Figure 11: Household working patterns, 1999-2004
- 4. Employment
- 4.1. Employment: A growing workforce to aid the labour market
-
- Figure 12: The changing structure of UK employment, 1994-2009
- 4.2. Employment: Part-time work driving growth in employment
-
- Figure 13: Trends in full-time and part-time employment, by gender, 1999-2009*
- 4.2. Unemployment: 5% of workforce are unemployed
-
- Figure 14: UK unemployment, by gender, 1994-2009
Where the Money Comes From
-
- Household Income
- Definitions
- An era of growth
-
- Figure 15: Gross incomes, 1994-2004
- Personal Gross Incomes topped £1 trillion in 2004
-
- Figure 16: Annual real growth rates in direct taxes & PDI, 1994-2004
- Over a third more spending power – really!
-
- Figure 17: Household personal gross income, 1994-2004
- Average household has over £31,600 to spend
-
- Figure 18: Sources of personal gross income, 1994-2004
- Increasing numbers in employment keep wages main source of income
- Nests not NASDAQ
-
- Figure 19: Distribution of personal wealth, 1991-2004
- Property at a pinnacle
-
- Figure 20: Changes in breakdown of personal wealth, 1991-2004
- Credit
- We owe £1 trillion
-
- Figure 21: Consumer credit outstanding*, 1994-2004
- More forms of credit
- Non-housing debt now approaching £4,000 per adult
- Putting credit in context
-
- Figure 22: Consumer credit net transactions, 1994-2004
- Net credit not growing as much as incomes
-
- Figure 23: Net consumer credit addition to incomes, 1994-2004
- Appendix – Glossary of macroeconomic terms
Where the Money Goes
-
-
- Figure 24: Consumer expenditure trends, 1994-2004
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- Figure 25: Annual growth rates for consumer expenditure and PDI, 1994-2004
- Long-term trends
-
- Figure 26: Gross discretionary spend, 1994 and 2004
-
- Figure 27: Percentage change in main categories of GDS, 1994 and 2004
- Figure 28: Main areas of growth and decline in GDS, 1994-2004
- Growing sectors…
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- Figure 29: Areas of relative growth, 1994 and 2004
- …static sectors…
-
- Figure 30: Areas where relative shares have remained static, 1994 and 2004
- …and declining sectors…
-
- Figure 31: Areas of relative decline, 1994 and 2004
- Individual sub-sectors which have shown growth in last ten years
-
- Figure 32: Individual sub-sectors showing growth, 1994-2004
- Individual sub-sectors which have remained static over the decade
-
- Figure 33: Static individual sub-sectors, 1994-2004
- Individual sub-sectors which have shown decline in last ten years
-
- Figure 34: Individual sub-sectors showing decline, 1994-2004
- Individual sub-sectors which have shown fastest growth over the decade
-
- Figure 35: Individual sub-sectors showing the fastest growth, 1994-2004
- Five-year trends
-
- Figure 36: Gross discretionary spend, 1999 and 2004
- Percentage change in main categories of GDS
-
- Figure 37: Percentage change in main categories of GDS, 1999 and 2004
- Figure 38: Main areas of growth and decline, 1999-2004
- Individual sub-sectors which have shown fastest growth in last five years
-
- Figure 39: Star performance individual sub-sectors, 1999-2004
- Short-term trends
-
- Figure 40: Gross discretionary spend, 2003 and 2004
- Individual sub-sectors which have shown most growth in last year
-
- Figure 41: Star performance in the last 12 months, 2003-04
-
The Consumer
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- Healthier and wealthier
-
- Figure 42: Self-perception, by gender, January 2005
- Consumer typologies
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- Figure 43: Consumer typologies, January 2005
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- Figure 44: Typologies, by gender, age, socio-economic group and region, January 2005
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- Figure 45: Typologies, by marital status, working status, presence of children and detailed lifestage, January 2005
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- Figure 46: Typologies, by media and supermarket usage, January 2005
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- Figure 47: Target groups, by typology, January 2005
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- Figure 48: Similarities of respondents, typologies with supermarket shoppers, January 2005
- Technology is a double-edged sword
-
- Figure 49: Attitudes towards technology, January 2005
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- Figure 50: Typologies, by technology statements, January 2005
- Consumers show signs of taking a more traditional approach to food
-
- Figure 51: Attitudes towards food, January 2005
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- Figure 52: Typologies, by food statements, January 2005
- Fresh food also important when eating out
-
- Figure 53: Respondent attitudes towards entertainment, January 2005
-
- Figure 54: Typologies, by entertainment statements, January 2005
- Travel
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- Figure 55: Attitudes towards travel, January 2005
-
- Figure 56: Typologies, by travel statements, January 2005
- Shopping
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- Figure 58: Attitudes towards shopping, January 2005
-
- Figure 59: Typologies, by shopping statements, January 2005
- Health
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- Figure 60: Attitudes towards health, January 2005
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- Figure 61: Typologies, by health statements, January 2005
- Finance
-
- Figure 62: Attitudes towards finance, January 2005
-
- Figure 63: Typologies, by finance statements, January 2005
- Marketing conclusions
Spend On Home Acquisition and Household Services
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- Housing
- House purchase
-
- Figure 64: Expenditure on housing, 1994-2004
- Rent, council tax and water
- Repairs, maintenance and decoration
- Rented versus owner-occupied property
-
- Figure 65: Housing tenure trends, 1994-2004
- House transactions rise but many first-time buyers are unable to afford to buy a property
-
- Figure 66: Number of housing transactions, 1994-2004
- Are there any signs of a housing crash?
-
- Figure 67: Mortgage arrears and repossessions, 1994-2004
- House prices
-
- Figure 68: Ratio of house prices to income, 1994-2004
- The ripple effect – the North and Wales benefit from the highest house price rises
-
- Figure 69: Analysis of regions with the highest average house prices, 2003 and 2004
- Heating, power and light
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- Figure 70: Expenditure on domestic fuel and power, 1994-2004
- Household and other services
- Expenditure on household services
- Internet and communications market – what impact have they really had?
-
- Figure 71: Expenditure on household services, 1994-2004
- Domestic and garden help
- Other services
- Attitudinal statements concerning DIY and the home
-
- Figure 72: Agreement with attitudinal statements concerning DIY and the home, 1993-2004
Expenditure on Household Durables and Consumables
-
- Introduction
- Domestic appliances
-
- Figure 73: UK expenditure on domestic appliances, 1994-2004
- PC and Internet usage
-
- Figure 74: GB PC and Internet usage, 1996-2004
- Household appliances
-
- Figure 75: UK expenditure on major household appliances, 1999-2004
- Consumer electronics
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- Figure 76: UK expenditure on major consumer electronics, 1999-2004
- Consumer electronics push more of the buttons
- Staying in – the new going out?
- Ownership of TV sets
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- Figure 77: GB household ownership of TV sets (% of households owning), 1997-2004
- Ownership of technology
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- Figure 78: GB ownership of technology, by type, 2000-04
- Ownership of new technology
-
- Figure 79: GB ownership of new technology, 2002 and 2004
- Technology – feel the force
- Furniture and furnishings
-
- Figure 80: Expenditure on furniture and furnishings, 1994-2004
- Furniture
- Carpets and floorcoverings
- Laminated floors increase in popularity
- Domestic lighting segment puts the rest in the shade
- Market for soft furnishings holds relatively firm…
- …but household textiles fail to dazzle
- Demographics not auspicious
- Attitudes towards consumer durables
-
- Figure 81: GB agreement with selected attitudinal statements relevant to purchase of consumer durables, 2004
- It’s worth paying more for quality goods
- Keeping up with technology
- Gadget and gizmo enthusiasts
- Those confounded computers
- The ‘loadsamoney’ mindset
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- Figure 82: Agreement with attitudinal statements concerning technology, by gender, age, socio-economic group, lifestage, working status, region and household size, 2004
- Response to the lifestyle statement ‘It’s worth paying extra for quality goods’
- Response to the lifestyle statement ‘Computers confuse me, I’ll never get used to them’
- Response to the lifestyle statement ‘I love to buy new gadgets and appliances’
- Response to the lifestyle statement ‘Money is the best measure of success’
- Response to the lifestyle statement ‘I try to keep up with developments in technology’
- Household and garden products
-
- Figure 83: UK expenditure on household and garden products, 1994-2004
- Conclusions
- Are women less interested than men in technology?
- Technophile under-35s
- ‘Must-have’ mindset
- Peer influence key to understanding what makes under-25s tick
- High-tech products clean up
- Furniture languishes in discounting rut
- Domestic lighting segment puts the rest in the shade
Spend on Food, Drink and Tobacco
-
- Food
-
- Figure 84: Expenditure on food for in-home consumption, 1994-2004
- Convenience foods
- Meat and fish
- Fruit and vegetables
- Confectionary, sugar, sweeteners, oils and fats
- Milk, cheese and eggs
- Flour, bread and cereal
- Convenience Foods
- Expenditure on ready meals fuels convenience foods sector
-
- Figure 85: Expenditure on convenience foods, by type, 1994-2004
- Desserts remain popular
- Cakes and biscuits
- Ethnic and related foods
- Eating on the go continues to boost crisps, snacks and nut sales
- Soups, sauces, spreads and seasonings
- Ready meals
- Ethnic and related foods
-
- Figure 86: The ethnic and related food sector, 1994-2004
- Ethnic food
- Pizza
- Pasta
- Rice
- Noodles
- Attitudes towards food
-
- Figure 87: Agreement with attitudes towards food, 1993-2004
- Quality of food is an important issue
- Resurgence in the popularity of organic food
- Frozen foods are perceived to be as good as fresh foods by many
- Indulgence and special treats still have their role
- Food
-
- Figure 88: Respondent attitudes towards food, January 2005
- Strong trend towards healthier food
- Supermarkets versus local businesses
-
- Figure 89: Attitudes towards food, by gender, age, socio-economic group, region, lifestage, ACORN categories and working status, January 2005
- The use of fresh ingredients is particularly important for the elderly
- The typical supermarket shopper
- Too much emphasis on convenience foods
- Free-range produce is popular
- One in six not concerned about following a healthy diet
- One in five adults prefer to shop at local shops or food markets
- One is six buy organic food
-
- Figure 90: Attitudes towards food, by gender, age, socio-economic group, region, lifestage, ACORN categories and working status, January 2005
- Non-alcoholic and alcoholic drinks
-
- Figure 91: Expenditure on drinks in and out of home, 1994-2004
- Soft drinks fuel the drinks sector
- Hot beverages
- Alcoholic drinks – beer
- Wine
- Spirits
- Non-alcoholic drinks – in vs out of home
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- Figure 92: Expenditure on non-alcoholic drinks in and out of home, 1999-2004
- Alcoholic drinks – in vs out of home
-
- Figure 93: Expenditure on alcoholic drinks in and out of the home, 1999-2004
- Figure 94: Expenditure on spirits in and out of the home, 1999-2004
- Trends in drinking both in and out of the home
-
- Figure 95: Frequency of drinking alcoholic beverages in and out of home, 1998-2004
- Tobacco
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- Figure 96: Expenditure on tobacco, 1994-2004
- Heavy smokers are still on the increase
-
- Figure 97: Shifting habits among cigarette smokers, 1994-2004
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- Figure 98: Cigarette smokers, by gender, age, socio-economic group, region, lifestage, and presence of children, 1994-2004
Spend on Entertainment
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- Eating out
- Expenditure
-
- Figure 99: Expenditure on eating out, including takeaways, 1994-2004
- People still want it quick and easy
- The continuing rise of the gastro-pub
- Slower growth for restaurants
- Other catering declines significantly
- In or out?
-
- Figure 100: Expenditure on takeaway versus out-of-home eating, 1994-2004
- More people eating takeaway food but less often
-
- Figure 101: Use and frequency of takeaway food, 1994-2004
- Fast food in restaurants follows similar trend
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- Figure 102: Use and frequency of fast food eaten in the restaurant, 1994-2004
- Use of coffee shops remains static
-
- Figure 103: Coffee/sandwich bar usage, 2001-04
- Eating out at lunchtime remains occasional treat for most
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- Figure 104: Eating out at lunchtime, 2001-04
- Pubs first choice of daytime restaurant
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- Figure 105: Eating out at restaurants during the day, 1994-2004
- Pubs also tops for evening eating
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- Figure 106: Eating out at restaurants during the evening, 1994-2004
- Visiting licensed premises
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- Figure 107: Social life – trends in main activities, 2001-04
- Expenditure on entertainment
-
- Figure 108: Expenditure on main areas of out-of-home entertainment, 1994-2004
- From nightclubs to health clubs
- Still fancying a flutter
- Cinema fails to reach 2002 peak
- Other areas of entertainment
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- Figure 109: Expenditure on other areas of entertainment, 1994-2004
- Losses in the days out sector
- Expenditure on leisure goods
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- Figure 110: Expenditure on leisure goods, 1994-2004
- Paper still popular in all forms
- Technology affecting many markets
- UK consumers handle more leisure accessories
Entertainment
-
-
- Figure 111: Respondent attitudes towards entertainment, January 2005
- The most popular attitudes towards entertainment
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- Figure 112: Attitudes towards entertainment, by gender, age, socio-economic group, region, lifestage, ACORN categories and working status, January 2005
- Less popular attitudes towards entertainment
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- Figure 113: Attitudes towards entertainment, by gender, age, socio-economic group, region, lifestage, ACORN categories and working status, January 2005
- Television falling out of favour?
-
- Figure 114: Agreement with statements relating to entertainment and lifestyles, 2002-04
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Spend on Travel
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- Holidays
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- Figure 115: Expenditure on holidays, 1994-2004
- Trends in holiday-taking
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- Figure 116: Main type of holiday taken in the last 12 months, 1997-2004
- Independent versus package holidaymakers
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- Figure 117: Holidays taken in the UK and abroad during the past 12 months, by gender, age and socio-economic group, October 2004
- Leading overseas holiday destinations
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- Figure 118: Top 12 holiday destinations for the British, 1992-2003
- Number of holidays taken
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- Figure 119: Number of holidays taken, 1999-2004
- Type of holidays taken
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- Figure 120: Type of holiday taken on last holiday, UK and abroad, 1999-2004
- Attitudes towards taking holidays
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- Figure 121: Attitudes towards holidays, 1993-2004
- Attitudes towards travel
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- Figure 122: Attitudes towards travel, January 2005
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- Figure 123: Attitudes towards travel, by gender, age and socio-economic group, January 2005
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- Figure 124: Attitudes towards travel, by region, lifestage, ACORN categories and working status, January 2005
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- Figure 125: Attitudes towards travel, by gender, age and socio-economic group, January 2005
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- Figure 126: Attitudes towards travel, by region, lifestage, ACORN categories and working status, January 2005
- Expenditure on travel insurance
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- Figure 127: Expenditure on travel insurance, by gross written premiums, 1994-2004
- Personal mobility
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- Figure 128: Modes of transport used during a normal week, 1994-2004
- Expenditure on cars
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- Figure 129: Expenditure on cars, 1994-2004
- Figure 130: UK car parc, new registrations and vehicle excise duty, 1999-2004
- Motorcycles, cycles and other vehicles
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- Figure 131: Expenditure on motorcyles, cycles and other vehicles, 1994-2004
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- Figure 132: Ownership of motorcycles, scooters and mopeds, 1994-2004
- Other personal mobility costs
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- Figure 133: Other personal mobility costs, 1994-2004
Personal Goods
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- Clothing, footwear and accessories
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- Figure 134: Expenditure on clothing, footwear and accessories, 1994-2004
- Womenswear
- Menswear
- Childrenswear
- Accessories
- Footwear
- Jewellery and watches
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- Figure 135: Women’s attitudes towards dress, 1993-2004
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- Figure 136: Men’s attitudes towards dress, 1993-2004
- Figure 137: Attitudes towards dress, by gender, age, socio-economic group, working status and region, 2004
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- Figure 138: Attitudes towards dress, by lifestage, Mintel’s Special Groups, presence of children and household size, 2004
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- Figure 139: Attitudes towards shopping, January 2005
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- Figure 140: Attitudes towards shopping, by gender, age, socio-economic group and region, January 2005
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- Figure 141: Attitudes towards shopping, by lifestage, ACORN categories and working status, January 2005
- Toiletries
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- Figure 142: Expenditure on toiletries, 1994-2004
- Men's toiletries
- Grooming
- Cleansing
- Personal hygiene
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- Figure 143: Women’s attitudes towards skincare and buying toiletries and cosmetics, 1998-2004
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- Figure 144: Men’s attitudes towards skincare and buying toiletries and cosmetics, 1998-2004
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- Figure 145: Attitudes towards buying branded toiletries, by gender, age, socio-economic group, working status and region, 2004
- Figure 146: Attitudes towards buying branded toiletries, by lifestage, Mintel’s Special Groups, presence of children and household size, 2004
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- Figure 147: Attitudes towards brand and company, by gender, age, socio-economic group, region, lifestage, ACORN categories and working status, January 2005
Spend on Health
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- Asking for advice
-
- Figure 148: Consumers who consulted on complaints suffered in the last 12 months, 1994-2004
- Expenditure on medicine products
-
- Figure 149: Expenditure on medicine products, 1994-2004
- Analgesics
- Vitamins and dietary supplements
- Cold and cough remedies
- Minor ailment remedies and self-diagnostics
- Other medicines
- Attitudes towards health and healthy lifestyles
-
- Figure 150: Agreement with statements relating to health and lifestyles, 2002-04
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- Figure 151: Attitudes towards healthy lifestyles, by gender, age, region, socio-economic group, lifestage and working status, 2004
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- Figure 152: Attitudes towards ill health, by gender, age, socio-economic group, region, lifestage and working status, 2004
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- Figure 153: Use of medicines, 1994-2004
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- Figure 154: Use of medicines, by gender, age, socio-economic group, region, working status, lifestage and Mintel’s Special Groups, 2004
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- Figure 155: Attitudes towards health, January 2005
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- Figure 156: Attitudes towards health, by gender, age, socio-economic group, region, lifestage, ACORN categories and working status, January 2005
-
- Figure 157: Attitudes towards health, by gender, age, socio-economic group, region, lifestage, ACORN categories and working status, January 2005
- Expenditure on medical services
-
- Figure 158: Expenditure on medical services, 1994-2004
-
- Figure 159: Trends in ownership of PMI and other selected general insurance products, 2001-04
- The more health-conscious UK consumer?
Spend on Finance
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- Pension contributions edge up in 2004
-
- Figure 160: Household expenditure on all life insurance and personal pensions, 1994-2004
- Single-premium life business recovers in 2004
-
- Figure 161: New regular- and single-premium life business, 1999-2004
- Individual pension business continues to decline
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- Figure 162: New individual pension business, 1994-2004
- Income drawdown business was worth £1.4 billion in 2004
-
- Figure 163: New income drawdown premiums, 1999-2004
- £10.5 billion spent on educational fees in 2004
-
- Figure 164: Expenditure on education fees, charitable donations and other financial services, 1994-2004
- Consumers are starting to save again…
-
- Figure 165: Trends in saving, personal disposable income and the savings ratio, 1994-2004
- …but there is still work to do
-
- Figure 166: Consumers’ saving habits, November 2004
- Gross personal income edges towards £1 trillion in 2004
-
- Figure 167: Trends in income, expenditure and savings, 1994-2004
- Tax and NI income rise
-
- Figure 168: Trends in income from taxes and NI, 1994-2004
- Consumerism and Financial Services
- Supermarkets are meeting with little resistance
-
- Figure 169: Attitudes towards finance, 1998-2004
- Automated systems are still not popular
-
- Figure 170: Attitudes towards finance in terms of automation and advice, January 2005
- The Internet increasingly important…
-
- Figure 171: Attitudes towards finance and automation, by gender, age, socio-economic group, region, lifestage, ACORN categories and working status, January 2005
- …but face-to-face advice is still sought by many
-
- Figure 172: Attitudes towards finance and advice, by gender, age, socio-economic group, region, lifestage, ACORN categories and working status, January 2005
- Regulation is needed to ensure consumers are protected
-
- Figure 173: Reasons for regretting a financial purchase, September 2004
The Future
-
-
- Figure 174: Trends and forecasts of the major independent factors, 1999-2010
- Housing
- At current prices
-
- Figure 175: Forecast of expenditure on housing, 2004-10
- Domestic fuel and power
-
- Figure 176: Forecast of expenditure on domestic fuel and power, 2004-10
- Household services
-
- Figure 177: Forecast of expenditure on household services, 2004-10
- Domestic appliances
-
- Figure 178: Forecast of expenditure on domestic appliances, 2004-10
- Furniture and furnishings
-
- Figure 179: Forecast of expenditure on furniture and furnishings, 2004-10
- Household and garden products
-
- Figure 180: Forecast of expenditure on household and garden products, 2004-10
- In-home food
-
- Figure 181: Forecast of expenditure on in-home food, 2004-10
- In- and out-of-home drinking
-
- Figure 182: Forecast of expenditure on in- and out-of-home drinks, 2004-10
- Tobacco
-
- Figure 183: Forecast of expenditure on tobacco, 2004-10
- Eating out
-
- Figure 184: Forecast of expenditure on eating out, 2004-10
- Entertainment
-
- Figure 185: Forecast of expenditure on entertainment, 2004-10
- Leisure goods
-
- Figure 186: Forecast of expenditure on leisure goods, 2004-10
- Factors used: PDI, socio-economic groups, age groups, number of households
- Holidays
-
- Figure 187: Forecast of expenditure on holidays, 2004-10
- Cars
-
- Figure 188: Forecast of expenditure on cars, 2004-10
- Motorbikes/other
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- Figure 189: Forecast of expenditure on motorcycles and accessories, 2004-10
- Other personal mobility
-
- Figure 190: Forecast of expenditure on other personal mobility, 2004-10
- Clothing and accessories
-
- Figure 191: Forecast of expenditure on clothing and accessories, 2004-10
- Toiletries
-
- Figure 192: Forecast of expenditure on toiletries, 2004-10
- Medicines
-
- Figure 193: Forecast of expenditure on medicines, 2004-10
- Medical services
-
- Figure 194: Forecast of expenditure on medical services, 2004-10
- Life and pensions
-
- Figure 195: Forecast of expenditure on life and pensions, 2004-10
- Educational fees, charitable donations and other financial services
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- Figure 196: Forecast of expenditure on educational fees, charitable donations and other financial services, 2004-10
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