Adults may be split in three categories as follows:-

  1. Young Couples or single persons – these will be going through the purchase of their first home, furniture etc.

  2. Families – these will involve couples with children who contemplate buying a larger home or considering home improvements. Children will pose further challenges on the household possibly to finance their education-related costs as well as costs if they have reached teenage years. Insurance will be needed within this stage to protect the dependants. Disposable income may be limited.

  3. Empty Nests – these involve households where the dependants are self-sufficient and thus this may help to relieve pressure exerted on the disposable income. Savings and pension planning are a priority at this stage.