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Life cycle (Reliance stage stage 1 (As a baby 0-1, Toddler 2-5, Primary…
Life cycle
Reliance stage
stage 1
As a baby
0-1
Toddler
2-5
Primary school
6-12
Secondary school
13-17
Third level
18-24
Needs and wants
Food,clothes,accommodation,
medical costs,sports,crèche
transport,insurance;school books,computers,phones,university expenses;entertainment,holidays,presents
Parents/guardians,State aid-child benifet 0-18years old
grants , scholarships, wages from part-time work after 16 years old
Independent stage
stage 2
Starting work (this does not include school leavers
who do not continue in education)
Needs and wants
Food,clothes,accomodation,medical costs,transport,computer,phone,entertainment,holiday,presents
Wage/salary or job seekers allowance,
borrowing
Developing stage
stage 3
Obtaining work and life experience
and gaining promotion
Needs and wants
Food ,clothes ,accommodation,medical costs,realationships,family,car expensise,
insurance ,investing in pensions;entertainment, holidays , presents
Wage/salary or Jobseeker's Allowance,Child benefit
if there are children (0-18 years old),borrowing
Pre-retirement stage
Stage 4
Establish position at work
and thinking about life after work
Needs and wants
Food ,clothes,medical costs,car
expenses ,fianancial supports or
adult children; entertainment ,holidays ,
presents
Wage/salary or unemployment benefit
Retirement stage
stage 5
Needs and wants
Food,clothes ,
medical costs ,car expenses
fianancial support for adult
children;entertainment,holidays
presents
Doing things unrelated to work
Private/state pension