{"id":256400,"date":"2026-01-28T19:53:24","date_gmt":"2026-01-28T19:53:24","guid":{"rendered":"https:\/\/www.newsbeep.com\/nz\/256400\/"},"modified":"2026-01-28T19:53:24","modified_gmt":"2026-01-28T19:53:24","slug":"australians-are-saving-more-but-for-how-long","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/nz\/256400\/","title":{"rendered":"Australians Are Saving More. But For How Long?"},"content":{"rendered":"<p> What is household disposable income?<\/p>\n<p>Household income is defined as total money coming in from all sources, including wages, government payments, and investment returns, minus tax and mortgage interest payments.<\/p>\n<p>Savings bounce back after inflation shock<\/p>\n<p>How much people save versus spend influences everything from retail sales to economic growth.<\/p>\n<p>Based on Australian Bureau of Statistics (ABS) data, Australia&#8217; household saving ratio, or the share of income that households save rather than spend, is sitting around its pre-pandemic level after bouncing back from the late-2022 inflation spike. CBA economists expect it to remain broadly steady over the next few years.<\/p>\n<p>That matters because household spending drives almost half of Australia&#8217;s economy.<\/p>\n<p>&#8220;Super contributions and mortgage repayments have kept savings high, but we don&#8217;t expect these factors to push the saving rate much higher from here,&#8221; said Ashwin Clarke, Senior Economist at CBA.<\/p>\n","protected":false},"excerpt":{"rendered":"What is household disposable income? Household income is defined as total money coming in from all sources, including&hellip;\n","protected":false},"author":2,"featured_media":256401,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[138,246,111,139,69,244,245],"class_list":["post-256400","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-business","tag-finance","tag-new-zealand","tag-newzealand","tag-nz","tag-personal-finance","tag-personalfinance"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/256400","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/comments?post=256400"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/256400\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media\/256401"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media?parent=256400"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/categories?post=256400"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/tags?post=256400"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}