HH Demographics HH Income Management

Key Expense Areas

Before Ramadan During Ramadan

Serial No. Name of Interviewer SEC Number of Earners Number of Dependents Monthly Income Estimate Occupation of Head of Household Education of CWE Occupation of Interviewee Education of Interviewee House Ownership House Type Locality Ownership of Durables Expense Adjustment: Special Occasions and Unforeseen Events
Kitchen Items and Transport and
Kitchen Items & Groceries Transport & Communication Recreation Personal Grooming Housing, Rent & Utilities Education Remittance to Rural Areas Others Recreation Personal Grooming Housing, Rent & Utilities Education Remittance to Rural Areas Others Add Product Categories
Groceries Communicaion

The interviewee's household consumption patterns illustrate a focus

on both essential goods and specific brand preferences. For children's
products, Kane & Co is the preferred choice, suggesting a loyalty to
this brand for childcare needs. Daily essentials like bread are sourced
from Bread & Maroond, indicating a preference for this bakery. Baby
milk needs are met with Cow & Gate, a well-known brand in the
infant nutrition sector. For general milk, All Price is utilized, possibly
Interviewee's immediate family: 2 (wife Lahore: NFC Approximately 15 ACs, 5 TVs, 4 Owns house, Solar so no electricity cost, Clothing (not a major expense), Clothing increases for eid
1-2 (Interviewee and his Approximately 6 to 7 million Agriculture and agriculture-related Master's in Political Barrister (currently assisting his father in the family Bar at Law from UK, Lincoln’s Owns two Around 2 million for the house in indicating a focus on affordability or accessibility. Personal care and The disposable income makes it up for unforeseen situations so
1 Muhammad Jalal wajid A and child) Bungalow society refrigerators, 7 phones, 2 laptops, 5 1-1.5 lac 1 lac 50k 30-50k around 70k lac for servants' salary and 2 lacs for sister foreign trip once every 2 years 70k-1lac Remains the same Stays the same 50-70k (Eid) Stays the same Stays the same Stays the same (20k) the rest stays the
father) rupees business Science business) Inn houses Kasur skincare needs are addressed with established brands like L'Oréal no emergency fund
Total dependents in the household: 6-7 Kasur: Village cars maintenance (makes it negligible) same
and Aveeno, showcasing a preference for quality in toiletries. Food
delivery convenience is prioritized through Foodpanda, highlighting a
reliance on digital platforms for meal solutions. Household protection
from insects is managed with Mortein mosquito repellent.
Condiments like ketchup and mayonnaise are consistently sourced
from Convar and Young's, respectively, pointing to specific brand
loyalties in these categories.

The interviewee reports owning all

the necessary household appliances, The interviewee's consumption patterns reveal a mix of essential
including a fridge, microwave, and household spending and discretionary choices. For household and
AC units. They have also recently personal care, they prioritize quality, often shopping at well-stocked
One (interviewee), with upgraded some of their appliances 50,000-70,000 PKR superstores and mentioning a preference for established brands like
Law practice, independent and Corner plot in 70,000 to 1 lakh PKR per month, 2 cars with monthly expense 30,000-50,000 PKR Own house, solar panels installed
an inherited share from 3 lakh to 5 lakh PKR, by installing inverters. The (trips vary), mainly No current expense Receives remittances from Health and fitness, Clothes, Increases as more sehri Nivea. Specifically, the interviewee has been using Apple iPhones for Manages variable income by using a separate bank
2 Muhammad Haris A Two (wife and child) attached to a firm, primarily civil LLB - - Own Bunglow housing society monthly shopping, increases of 40,000, phone bill around (wife's expenses (reduced electricity bill). Household 120000 40,000 30,000-50,000 25000 0 Doesnt send but receives -
his father's agricultural variable interviewee uses an Asus laptop, a hoteling and eating (child is young) father, does not send baby care and aftari at restraunts a long period, showing brand loyalty in the smartphone category. account for inherited income to cover emergencies
litigation (DHA lahore) during Ramadan 2500 are higher) staff 20-25k per month
business TCL TV, and an Apple iPhone. out Their spending also includes dining out and hoteling, which is a
There's also a plan to upgrade their primary form of recreation for the household. When it comes to
fridge in the near future. The groceries, the interviewee typically shops monthly, with adjustments
interviewee also owns two cars, one made for special occasions like Ramadan
toyota corolla and one suzuki cultus.

The household consumes a range of products and services. Food

purchases include staples like pulses, rice, flour, and baking
ingredients, as well as cheese, cooking oil, and cream. Personal Generally a separate account kept for savings but
grooming items consist of shampoo, conditioner, hand wash, soaps, sitatuons like Family death: Led to changes in spending,
Mother, one sister studying at O 1 house under Family car, individual bikes. face wash, toothbrush, toothpaste, and hair removal cream. likely involving increased expenses for funeral
Runs a business with his father and elder brother;
Three (Respondent, elder levels, one married sister (partially Father: Runs a business with the Intermediate, and did "Hifz the name of the Home appliances like Fridge, Household cleaning relies on products like Harpic, Vim, Surf Excel, arrangements and related customs.
3 Fiza C Rs. 70-80K Matriculation key accounts manager, manages inventory, and is Apartment Baloch Colony 60,000 8000 5000 2000 30,000 5000 0 - 80000 5000 5000 3000 30000 5000 0 6000
brother, and father) dependent), elder brother’s wife, respondent and elder brother from Islamic institutions" father of the oven, microwave, television, and Sunlight, while technology is represented by phones. Services Increased health awareness: Prompted a shift in
digitalizing aspects of the business
and their newborn child interviewee ACs utilized are barber shops and occasional beauty salon/parlor visits for grocery spending, potentially increasing spending on
the women. Key brands include Imtiaz for groceries, Oppress (or healthier foods and decreasing spending on less healthy
possibly Nodepour/Adams) for cheese, Tresemme and Sunsilk for options.
shampoo, Lifebuoy for hand wash, Capri and Lux for soaps,
Sensodyne for toothpaste, and iPhone for phones.

Shampoos,
Milk, sugar, tea for breakfast daily. Extra expenses for sehri
toothbrushes and Medical expenses due to expecting
Aata (flour), rice, vegetables, lentils Occassional expenses for Watching videos on and iftaari, including Sunsilk, Lifebuoy, Colgate; generally price-conscious and prefer local,
7 (Respondent, husband, toothpaste, lotion and Send occasional money and items a baby, and household cleaning No change in any In case of emergencies or if something is urgently needed at
and potatoes for meals daily. Oil travel in rikshaw or buses. YouTube and use dates, fruits Less utility bills due to Increased remittance due to unbranded options at Kiryana stores for groceries and household cleaning.
mother in law, brother in All of them earn in one way or another, Rs. 30K to 35K (interviewee Small, two creams, soaps. Need (fruits, clothes) give by house owners supplies on need basis such as No change during Descrease in use due to No change during additional expenses home, they buy it immediately, indicating a reactive approach to
4 Maheen Ali D Mother in law: Maid Not educated Is a maid, works at households Grade 4 On rent Khandu Goth Rikshaw, fridge, mobile phones based on need consumption. Mobile phone and internet Whatsapp, watching Rent and utilities amount to approx 15K No education expenses (watermelons and less use of gas and No education expenses receiving ramadan packages Slanty chips for ocassional snacking. For grocery items, single use packages
laws, wife of brother in so no explicitly dependant members contributes 10K) room spacing based consumption where they work, to their relatives in bleach, dishwash and detergent, Ramadan time distributed to prayers Ramadan (medical and household unforeseen needs rather than stockpiling. The interviewee's
Afforrdable snacks like chips and packages. An average of Rs. dramas and TikTok, melons), ingredients for electricity from house owners for daily purpose (half kg rice, half kg of specific vegetable each day). For
law, sister in law with expenses rural Punjab amounting to Rs. 2-3K and Rs. 1-2K cleaning supplies) pregnancy also leads to expenditure on medicines.
juices occasionally. Daily expenses 1-2K per month and following news fritters (pakorey) and monthly or need based items, single boxes until need arises again
amounting to Rs.2-3K for both respectively.
amount to an average of Rs.1K. sharbat
per buying occasion

They hire a maid for general

cleaning and another for cooking,
paying them a cumulative of
Own a car, They use
vegetables, fruits, meat, rice, oil, Rs.15,000 per month. They
rickshaws when needed and
ghee, flour, wheat, junk food like occasionally visit parlors (every 2-3 Ramadan: Increased consumption of oil (though mitigated by air
utilize ride-hailing apps like They own a flat, so there is no rent The eldest daughter is
burgers, chips and candies, biscuits months). Health-related services are fryer use in the recent Ramadan), gram flour, pastas, colored
inDrive or Careem if the car expense. They pay Rs.9,000 as monthly in university. The eldest
with tea, ice cream. Dine out once a They buy personal availed as per need, not as a drinks (Rooh Afza), and dates. Provision of groceries to the
is unavailable, The younger Recreation mainly maintenance fees for the apartment. son is doing A levels.
week or once in two weeks. Avoid care items from monthly routine. Recent special During Ramadan, their needy.
Car (Alto), fridge, deep freezer, two kids go to school by van, involves dining out Utility costs, including electricity, gas, and They have two younger During Ramadan, there 5 kg of lentils, 5-10 kg of rice, 5 kg of flour, and 10 liters of oil. Shan (masalas),
Respondent is the main decision maker of imported brands due to boycotting. supermarkets. They occasions (marriages, birthday consumption of oil, gram No huge difference in During Ramadan, they Special Occasions (weddings, birthdays): Significant additional
Three kids, aged 21 (partially Masters in Environmental televisions, four air conditioners, costing Rs.4,000 for two kids and occasionally water, amount to around Rs.50,000 per children in the 8th and was hardly any High electricity bill due to Poonam (Imtiaz's own brand for lentils etc.), Ashrafi (wheat flour), Nido/Alpers
6 (Respondent, husband, 6-digit income (atleast Rs. the family. She owns a montessori school. Master in English Linguistics from Owns a Flat/ North Nazimabad Examples of previously bought buy shampoos, parties, weekend invitations) led to flour, pastas, colored transportation. Less No change during No change during provided groceries expenses on gifts, clothing, and potentially hosting events with
5 Maheen Ali B dependent), 19 (partially dependent), 12 engineering from Karachi Owns a montessori school washing machine, mobile phones, monthly, The elder children watching movies, month. Electricity bills can range from 6th standards. The total Not Applicable recreational activity, with more usage of ACs and Not Applicable (milk), L'Oreal (shampoo), Colgate (toothpaste, toothbrushes), Imtiaz's own
one daughter, three sons) 100,000) Her husband is also a primary decision Karachi University flat/apartment Apartment Block F imported items include cookies, conditioner, soaps, additional expenses on gifts, drinks, and dates travel during last Ramadan Ramadan ("Rashan") to their maids catering.
and 9 (fully dependent) University laptops, air fryer, oven, microwave, might spend Rs.30,000 to costing around Rs. Rs.12,000-15,000 in winter to potentially monthly expense for the only one outing for Sehri airfryer. brand (coffee), Rooh Afza (sherbet). They generally prefer local brands and are
maker, and is an environmental engineer drinks, and coffee when local body wash, potentially around Rs.15,000 to increases. They prefer days of Ramadan and other needy people Unforeseen Events: Pet purchase and care led to substantial
juicer and blender Rs.40,000 per month on 20,000 to Rs. 30,000 over Rs.75,000 in summer due to AC education of all four and one for Iftaari price-sensitive, especially for household items.
alternatives weren't satisfactory. They cosmetics, skin care, Rs.20,000 per event. Hosting an Rooh Afza for sherbet unexpected costs. Urgent needs or sickness lead to immediate
ride-hailing apps, Mobile per visit usage. The gas bill is around 1Rs.,000, children is
buy groceries mostly monthly, with etc. event at home cost around purchases.
phones are the most used and the water bill is a fixed Rs.500 per approximately
online shopping once or twice a week Rs.200,000. Purchasing a pet rabbit Pre-Ramadan: Focused shopping for wedding preparations of a
devices. Internet usage is month Rs.125,000
for urgent or special items. Around and related supplies cost around niece.
implied but not detailed in
Rs. 30k to 40k monthly expenditure Rs.25,000 initially plus ongoing food
terms of cost.
costs of approximately Rs.100-150
per day, and vet visits costing
around Rs.5,000

Different items are

added, Rooh Afza,
Bike, TV, 8 phones, fridge, washing Grocery Items: pulses, rice, flour, Dalda oil, and National Masala, baking
Watching videos on Pakoray, Samosay , Gas bill increases a bit
6 (Mother, brother's wife, his two machine, iron, TV, kitchen No change during items, etc. Personal Care items : shampoo, soap, sun block,face wash,
6 Saleem Abbas C1 2 ( Brother CWE, Father) 250K Retired teacher lLLB Student Intermediate Owned Apartment Sialkot 30,000 11,000 YouTube and 4000 35000 20,000 0 4000 (Baby care products) Dates but overall Don't find much time Inceases by 1000 more, +3000 expanses same as before 0 same as before Savings from the Father's Pension amount
children, Respondent, her sister) appliances (juicer, blender, sandwich Ramadan toothbrush, toothpaste. Household cleaning Items: Harpic,, Surf Excel,
Instagram reels expanses for food overall
maker, oven) brooms, mobs, etc. Technologies: TV, Mobile Phones.
decrease in Ramdan
upto 10 to 15%.

Grocery Items: pulses,flour, Eggs, bread, rice, salan, Daal, chocolates,

Intermediate snacks, oil, gram flour. Personal Care items : Face wash (Fair and Lovely),
7 Saleem Abbas D 1 (Respondent) 3 (Wife, 2 children) 45k Housekeeping supervisor at IBA - - Owned House Karachi Bike, TV, 2 phones 17000 4000 0 2000 12000 7000 0 - 22000 same - 2000 same same as before 0 0 Saving if any, otherwise loan from relatives
level(commerce) soap (Capri, Lux) Home Care : Harpic, Vim, paint and curtains (once a year)
Technologies: TV, Mobile Phones.