JP2003091638A - Information providing device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide the information for comprehensively grasping the future outgo and income in house and home, and supporting the building-up of assets. SOLUTION: An information processing part 4 estimates the life of consumer goods on the basis of various information on the consumer goods stored in an information management part 3, and the cost for maintenance and the cost for replacement by purchase in future are calculated and displayed on a display part 6 through a result output part 5.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an information providing apparatus that comprehensively grasps future spending and income at home and supports asset formation.

[0002]

2. Description of the Related Art Conventionally, in household expenditure management, so-called household management, it has been common practice to manually enter the results of expenditure in a household account book and consider asset formation while comparing it with income.

With the recent widespread use of IT technology, simulation services such as management by personal computer household account book software, asset formation by Internet homepage, and loan repayment are becoming common.

Japanese Patent Laid-Open No. 9-22426, which stores transaction data via a communication network to reduce the burden of manual household management, and Japanese Patent Laid-Open No. 5-63.
There has been a proposal such as that of Japanese Patent No. 57, which automatically captures and manages charging data of electric gas and water, and predicts future usage.

[0005]

However, these conventional methods of managing the household budget have not made a rational prediction of the total amount of expenditure or only a part of the expenditure. It is suitable for grasping the past and present spending situation, but it is not satisfactory for making a reasonable forecast of future spending, and the user can judge subjectively by looking at the past data. I had to do it. It was difficult to maintain stable asset formation because there was no means for managing household expenses that dealt with the cost management of items such as durable consumer goods, which could potentially have to be suddenly generated from the household budget. .

Therefore, the present invention supports the above-mentioned problems, that is, rational prediction of future expenditures in households and stable asset formation means, particularly prediction of costs related to household goods such as durable consumer goods. The present invention proposes a device for providing information to be processed.

[0007]

In order to achieve the above-mentioned object, the present invention provides an information management unit for presetting useful life information of a product, and a future product related product based on the useful life information. The present invention proposes an information providing device including an information processing unit that predicts the amount of expenditure such as maintenance cost and replacement cost, and a result output unit that outputs the prediction result.

[0008] As a result, the user can obtain the forecast result information of future maintenance costs and replacement costs of electric appliances, building materials, furniture, automobiles, system kitchens, water supply materials, etc. owned at home. I can know.

[0009]

BEST MODE FOR CARRYING OUT THE INVENTION The invention according to claim 1 predicts the future expenses such as maintenance cost and replacement cost of a used product, from preset service life information of each used product, By providing the user with the prediction result, the user can grasp the potential spending on the future used materials and can maintain a stable asset formation plan. For example, in the case of expensive electric appliances such as air conditioners and refrigerators, it is necessary to generate a considerable amount of expenses for repairs and replacements.However, since the maintenance costs and replacement costs are predicted and the information is provided, those costs are paid in advance. A stable asset formation plan can be maintained by making preparations.

In addition to the contents of claim 1, the invention of claim 2 also predicts the future expenditure of living maintenance costs consumed at home, and provides the prediction result to the user. As a result, the employer can grasp the total amount of expenditure that will occur in the future and can maintain a stable asset formation plan. Living expenses consumed at home include food expenses, utility charges, communication expenses, education expenses, mortgage or housing rent, real estate management expenses, taxes, insurance premiums, medical expenses, clothing expenses, ceremonial expenses, etc. Therefore, if those expenditures and expenditures related to use can be predicted, almost all household expenditures can be grasped, and a more precise and stable asset formation plan can be maintained.

According to the invention of claim 3, in addition to the contents of claim 2, the future income amount at home is predicted and compared with the predicted future expenditure amount to form an asset formation. The plan is provided and provided to the user. Since the user can grasp the forecast of the household income and expenditure and can obtain a rational asset formation plan, the user can live a restful life.

According to the invention described in claim 4, in addition to the contents described in claim 1, the maintenance that will occur in the future based on usage history information such as usage frequency, usage load, failure information and the like when each usage object is used. Since the expenditures such as costs and replacement costs are forecasted, more precise forecasts of expenditures are possible. In other words, if the frequency of use of the used material is high, maintenance costs and replacement costs will be more likely to occur in the near future, and since the historical information on such usage status is grasped, the accuracy of the expenditure forecast will be high. , More stable asset formation is possible.

According to the invention described in claim 5, in addition to the contents described in claim 4, the future of the used product is based on the information on the life of the product of the same kind as the registered each used product, the replacement condition and the failure condition in the market. Since the expenditures such as maintenance costs and replacement costs that are generated as a result are forecasted, it is possible to more accurately forecast the expenditures. In other words, if the same type of product has a shorter lifespan in the market than initially predicted or the frequency of failure is high, the product owned by the user is likely to incur maintenance costs or replacement costs in the near future. By grasping such market information, the accuracy of spending forecasts will be high, and more stable asset formation will be possible.

According to the invention described in claim 6, in addition to the contents described in claim 1 or 2, information such as the age structure of the members of the family is registered, and based on the information, future maintenance of the used article Since the expenditures such as costs and replacement costs are forecasted, and the future expenditures for living maintenance costs are forecasted, more precise forecasted expenditures are possible. That is,
For example, the larger the number of family members and the younger the family members, the more active their living activities will be, so the usage load of each use will increase and maintenance costs and replacement costs will likely occur in the near future. , By grasping such family information, the accuracy of expenditure forecasting will be high, and more stable asset formation will be possible.

According to the invention described in claim 7, in addition to the contents described in claim 1 or 2, the future protection of the product to be used is based on information such as climate and prices of the area to which the user's home belongs. Since the expenditures such as costs and replacement costs are forecasted, and the future expenditures for living maintenance costs are forecasted, more precise forecasted expenditures are possible. In other words, in a hot climate, for example, durable goods such as refrigerators and air conditioners are used under more severe conditions.
Maintenance costs and replacement costs are likely to occur in the near future. In addition, prices, that is, living maintenance costs, differ depending on whether the region is a rural area or a city. Therefore, if the regional information can be grasped, the accuracy of the expenditure forecast will be high, and more stable asset formation will be possible.

The invention described in claim 8 is from claim 1 to claim 7.
In addition to the contents described in at least one item, various information managed by the information management unit can be automatically or arbitrarily updated via a wide area network or an information storage medium. Information on the usage history of each used product, information on the lifespan of the same type of product in the market, replacement status and failure status, information on the age structure of members of the family, information on the local climate and prices, etc. changes with time. Therefore, by updating the latest information, the accuracy of expenditure forecasting will increase, and more stable asset formation will be possible.

According to a ninth aspect of the present invention, in addition to the contents of the eighth aspect, price fluctuation prediction information is automatically or arbitrarily input to the information management section via a wide area network or an information storage medium. Based on the information, the information processing section makes a future prediction of each spending amount. Since the total amount of expenditure is forecasted by taking into account the expected price increase or decrease rate, a more precise asset formation plan is possible.

According to a tenth aspect of the invention, in addition to the contents of the ninth aspect, the economic growth forecast information is automatically or arbitrarily input to the information management section via a wide area network or an information storage medium. Based on the information, the information processing section makes a future prediction of each spending amount. Since the income amount is predicted by taking into account the predicted economic growth rate, more precise asset formation planning becomes possible.

The invention described in claim 11 is the invention defined in claims 1 to 1.
It is a program that causes a computer to execute all or part of the information providing apparatus described in any one of 0. Since it is a program, a part or all of the information providing apparatus of the present invention can be easily realized by using a general-purpose computer or a portable information terminal at home. Further, by recording the program on a recording medium or distributing the program using a communication line, the program can be distributed and installed easily.

[0020]

Embodiments of the present invention will be described below with reference to the drawings.

(Embodiment 1) FIG. 1 shows the basic construction of Embodiment 1 of the information providing apparatus for controlling the domestic spending prediction of the present invention.

In FIG. 1, reference numeral 1 is an information providing device installed in a home, and an information management section 3 for storing and managing various information from a user input section 2 through which a user can input various information.
And an information processing unit 4 that makes various predictions based on various information
And a result output unit 5 that outputs a prediction result. The output command of the result output unit 5 is displayed on the display unit 6.

The information providing apparatus 1 can communicate with the management database 7 via a wide area network, and various information can be input from the management database 7 and stored in the information management unit 3. The management database 7 includes information on the useful life of various kinds of products, information on the lifespan and failure occurrence status in the market,
It manages information on the usage load on materials used in each region, price fluctuation forecast information, economic growth forecast information, and the like.

The information providing device 1 is also capable of communicating with various electric appliances 8 in the home, and can input use history information of the electric appliances and store it in the information management unit 3.

FIG. 2 shows the registered contents of the used article input by the user through the user input section 2.

FIG. 3 shows the family information, the area information to which the user belongs, the past income amount, the past life maintenance cost, and the registered contents of the asset input by the user through the user input unit 2.

FIG. 4 shows the contents in which the prediction results of future maintenance costs and replacement costs for various kinds of materials are displayed.

FIG. 5 shows the content of the display of the future living maintenance cost prediction results.

FIG. 6 shows the displayed contents of the future forecast of the balance.

FIG. 7 shows the displayed contents of the planned asset plan.

With respect to the information providing device 1 configured as described above, its operation, use method and action will be described below.

First, the user inputs information such as the item, manufacturer, and product number of the product in use at home into the user input section 2. Alternatively, if the item to be used has information such as a barcode, the information is read by a barcode reader or the like. The input information is stored in the information management unit 3. This information is displayed on the display unit 6 as a screen as shown in FIG.

Next, the user inputs family information such as the number and age structure of the family, the area information to which the family belongs, specifically, the address and the past income amount of the household to the user input unit 2. Also,
The user can input past living maintenance cost data to the user input unit 2 accurately or approximately. These pieces of information are displayed on the display unit 6 as a screen as shown in FIG.

After that, the information management unit 3 accesses the management database 7 through the wide area network based on the stored information of the used objects and the area information, and the service life information of each used object and the life and failure in the market. Occurrence status information, area-specific load multipliers, and price multipliers are retrieved and stored. Alternatively, the information management unit 3 may have a base of such information in advance so that it is not necessary to access the management database 7. However, in that case, the amount of information that the information management unit 3 must have in advance becomes enormous, so the amount of data that can be managed by the information management unit 3 must be large.

In addition, the information management section 3 includes a management database 7
Therefore, price fluctuation forecast information and economic growth forecast information are also extracted and stored.

Next, the useful life information of the used object stored in the information management section 3, the market life and failure occurrence status information,
The information processing unit 4 predicts the maintenance cost and replacement cost of each used product based on the region-specific usage load multiplier, price fluctuation prediction information, etc., and the result output unit 5 is used to display a table as shown in FIG. Display in 6.

By looking at this table, it becomes possible for the user to deal with the cost in advance even when the cost is required due to the accidental failure of the product.

Further, in this embodiment, some means are used in order to improve the accuracy of prediction.

One is to predict the life of a used product and to predict a failure by grasping the usage history of the used product.
As shown in FIG. 1, the information providing apparatus 1 can communicate with various electric appliances 8 and can obtain usage history information such as the usage frequency and usage load of the electric appliances 8. The information is stored in the information management unit 3.

Based on the stored usage history information, the information processing section 4 predicts the lifespan or failure of the various electric products 8 and corrects the expenditure prediction based on the prediction.

In contrast to the life expectancy of the previously used product and the life expectancy in which the family structure and the local climate are taken into consideration, for example, when the frequency of use and the load of use are less than the initial forecast, the life expectancy is reduced. The information processing unit 4 determines that the length becomes longer.

As a second means for improving the prediction accuracy, the market life and failure occurrence status information stored in the information management unit 3 is constantly updated from the management database 7 via the wide area network, and the information is used as a basis for updating. Information processing unit 4
Can re-correct the forecast. Buy and
If the information that the use life of which the useful life is registered in advance has failed or is replaced by a new one in the market, for example, in the market, the information processing unit 4 corrects the expenditure forecast. is there.

An example of a method in which the information processing section 4 predicts maintenance costs and replacement costs for each used article will be described below.

According to the information stored in the information management section 3 for a refrigerator at a certain home, for example, the preset service life is 10 years, and the 1.
It has been used for 5 years. It is also assumed that a product of the same type as this refrigerator has a life of 8 years in the market and a probability of failure within 5 years of use of 10%. Further, it is assumed that the usage load multiplier peculiar to the area is 0.95. This is because, for example, the climate of this region is warm, there is little difference between cold and warm, and it is considered that the assumed environmental load is small when using various kinds of materials. Further, it is assumed that the usage load multiplier calculated from the number of family members and age structure is 1.10. This is predicted to be 10% more than the expected load, for example, because the number of members of this family is larger than the expected number or the average number of persons, and the personnel composition is active in terms of age. These numerical values are uniquely set in advance under each condition. Further, it is assumed that the usage load multiplier calculated from the usage history information is 1.25. Then, the information processing section 4 first calculates the actual number of years of use. The number of years actually used is multiplied by each usage load multiplier. That is, 1.5 (years) x 0.95
X 1.10 x 1.25 = 1.96 (years). Actually, it has been used for 1.5 years, but in this case it is considered to have been used for 1.96 years. Next, the actual useful life is calculated. The set useful life or market life is divided by the service load multiplier. That is, when calculated from the set useful life, 10 (years) ÷ 0.95 ÷
1.10 ÷ 1.25 = 7.66 (years), calculated from market life is 8 (years) ÷ 0.95 ÷ 1.10 ÷ 1.25 =
It will be 6.12 (years). Since the market life may be replaced even if it is still usable, it cannot be generally said that the market life is the actual useful life. In this embodiment, for example, the service life and the market life are averaged. That is, (7.66 + 6.12) /2=6.8.
Let 9 (years) be the actual useful life. The life of this refrigerator is 10 years, but it is estimated that the life of this household is 6.89 years.

Next, the remaining life is calculated. The actual service life is subtracted from the actual service life. That is, 6.89-1.
96 = 4.93 (years). In other words, 4 years from the present 1
The refrigerator is expected to run out after a month. In other words, the numerical value four years and eleven months after the present is displayed in the column of the expected life of the refrigerator in FIG.

Next, the failure time is predicted. The probability of failure is 10% within 5 years of use, so first use 5
Convert years to actual years of use. That is, 5 (years) ÷ 0.
95 ÷ 1.10 ÷ 1.25 = 3.83 (year). In other words, 3.83-1.96 = 1.87 (years) later (1 year 1
This means that there is a 10% chance that a failure will occur after 0 months.

Next, the maintenance cost is predicted. It is assumed that the failure occurrence status information obtained from the management database 7 also includes failure repair information, and the repair cost (that is, maintenance cost) was 15,000 yen on average. On the other hand, according to the price fluctuation forecast information, the price fluctuation rate is 1.
It is assumed that it is 02. The cost is 1 year and 10 months later (1.
Predicting what will happen in 87 years) based on the price fluctuation forecast information is 15,000 yen x 1.02 ^1.87 = 15.6 thousand yen. Since the probability of failure is 10%, 15.6 thousand yen x 0.1 = 1.56,000 yen is required as a maintenance cost after 1 year and 10 months. In Fig. 4, 1.56,000 yen is recorded as the maintenance cost and replacement cost of the refrigerator in the column for the year after one year and ten months. This is an expected value due to probability, so it is not the amount when it actually occurred, but since there are many items other than refrigerators, the expected value of each item is added up and the total maintenance cost actually generated is quite a real value. Considered to approach.

Next, the replacement cost is predicted. The information obtained from the management database 7 also includes market price information of various kinds of use, and it is assumed that the market price of a refrigerator having the same capacity as the refrigerator is 100,000 yen on average. On the other hand, according to the price fluctuation forecast information, the price fluctuation rate is assumed to be 1.02 per year. Predicting what the cost will be 4 years and 11 months later ( ^4.93 years later) from price fluctuation forecast information is 100,000 yen x 1.02 ^4.93 = ^110,300.
It will be 1,000 yen. In Fig. 4, in the column for the year after 4 years and 11 months, the maintenance cost / renewal cost of the refrigerator is 110,300.
Thousand yen is added.

In this way, the maintenance costs and replacement costs of each refrigerator are predicted in the same manner for various kinds of products.

For example, assume that it is predicted that the refrigerator and the washing machine will be exhausted at the same time around 2006. At that time, it is assumed that the total replacement cost of 300,000 yen is calculated. Then, by 2006, 30 of the assets will be
It is possible to take measures such as transferring 10,000 yen to a high-liquidity (immediate withdrawal) savings account. At that time, because there is not enough savings in the savings account, we will not hurry to dispose of stocks that fluctuate in market value at a low stock price or convert foreign currency deposits into yen at a low exchange rate. It is possible to maintain stable asset formation.

However, since the prediction given as an example is a prediction regarding a refrigerator which is an electric product, it is possible to predict the useful life by using the accumulated use history information, but it is possible to use the use history information for furniture and building materials which are not electric products. Cannot be used. However, the same prediction can be made using other information.

Next, the information processing unit 4 predicts the future life maintenance cost based on the data of the past life maintenance cost stored in the information management unit 3, the price multiplier unique to the area, the family information, etc., and outputs the result. It is displayed on the display unit 6 through the unit 5 as a table as shown in FIG.

An example of how the information processing unit 4 predicts the living maintenance cost will be described below.

For example, suppose that a household spends 400,000 yen per year on food expenses in the previous year. Further, it is assumed that the correction coefficient for the next fiscal year is set to 1.05 for two years, 1.07 for three years, and 1.10 for three years based on the number of members of the family and the age structure. This means that as the family grows up, it will cost food. If the family is occupied only by adults, this coefficient is set so that it does not change much. Further, it is assumed that the price fluctuation rate is 1.02 from the price fluctuation prediction information. Then, the food cost forecast for the next three years is 400,000 yen x 1.0
5 × 1.02 = 428,000 yen, 2 years later 400,000 yen ×
1.07 × 1.02 ² = 445,000 yen, 3 years later 40
It is estimated that 10,000 yen × 1.10 × 1.02 ³ = 467,000 yen, which is displayed in the food cost column of FIG. If there is no actual food expenses for the previous year (that is, if the past data could not be registered in the year when the forecast system was started), the food expenses set in advance based on family information and price information specific to the region. The future forecast will be made based on the amount of expenditure.

In this way, items other than food expenses are also predicted and summed up based on past performance, family information, price fluctuation prediction information, and the like.

Next, based on the past income amount of the household, the economic growth forecast information, etc. stored in the information management unit 3, the information processing unit 4
Predicts future household income and displays it on the display unit 6 as a table as shown in FIG. 6 via the result output unit 5.

For example, it is assumed that the income of a certain household is composed of the salary income of the head of household, and the income of the previous year was 7.5 million yen. Further, it is assumed that the transition of past income is like the content displayed in the column of past income in FIG. 3 (the salary income is relatively easy to trace back to the past). Further, it is assumed that the householder is currently 40 years old. The information management unit 3 can store general relationship information between age and salary income from the management database 7. The information processing unit 4 compares the relationship information and past income trends to predict future income. Perform. For example, according to changes in past income, the income is 1.2 in five years from 35 to 40 years old.
Suppose it has increased five times. On the other hand, according to the general relationship between age and salary income, it is assumed to be 1.2 times the same period. In this case, the rate of income increase is 1.25 / 1.2 =
It is 1.04 times. In other words, the salary income in this case is predicted to be 1.04 times as much as that of a general salary change per five years. Based on this, general salary income growth, and the amount of the previous year's income, we will forecast salary income in the future. next,
It is assumed that the economic growth rate was plus 2% from the economic growth forecast information. In other words, the correction is made by adding 1.02 times the previous year's income. As described above, the future income is predicted.

In addition to the income, FIG. 6 also shows the total forecast of the expenditure shown in FIGS. 4 and 5. This allows
The user can grasp the future household income and expenditure forecast, and if the income and expenditure is in the red, he can review the living standard or consider saving.

Further, the estimated total expenditure amount and income amount balance are compared, the information processing unit 4 makes an asset formation plan, and the plan is displayed as a table as shown in FIG. 7 via the result output unit 5. Display in 6. If it is predicted that the amount of expenditure in one year will be higher than the amount of income, some assets will be transferred to liquid savings accounts by the previous year, or if the balance is expected to remain profitable for a while, long-term holding It is possible to formulate an asset formation plan based on rational income and expenditure forecasts, such as purchasing stocks and investment trusts with high returns.

However, since the income forecast is made based on the past transition, it may not be properly applied when the industrial structure changes. Considering such a case, the user may be allowed to select when the income is constant and does not increase, or when the income decreases. By doing so, asset formation that anticipates safety can be considered.

In addition, in order to improve the accuracy of various predictions as described above, information such as price fluctuation prediction information and economic growth prediction information accumulated in the management database 7 is updated and predicted by the information providing device 1. Is reflected in. Therefore, the information management unit 3 constantly or periodically inquires the management database 7 about the update status of the information.

As described above, by using the information providing apparatus as in this embodiment, the user can reasonably and accurately grasp the expenditure amount and the income amount at that time, and the advice of the asset formation plan can be obtained. You can receive it. As a result, the employer can live a peaceful life without being distracted by the asset formation plan with sudden expenses.

The information providing device 1 may not be in the home but may be in a place via a wide area network. In that case, the user input unit 2 for the user to input information and the display unit 6 for displaying the prediction result are provided in the home terminal, and the other operations and effects are exactly the same.

When various information is taken into the information management unit 3 via the wide area network, an information storage medium such as an IC card may be used without using the wide area network, and the same operation is achieved. However, the information cannot be updated constantly or regularly, and the user arbitrarily does it.

The information management unit, the information processing unit, the result output unit, the user input unit, the display unit, the management database, etc. of the information providing apparatus as described above can be realized by using a general-purpose computer. , May be located elsewhere, connected by a communications network. In that case, if the program executes the contents of the present invention, the program can be distributed or installed by recording the program on a recording medium or distributing it using a communication line.

The present invention also provides a step of information management for presetting useful life information of a used product, and a future maintenance cost for the used product based on the useful life information.
It includes a method of providing information including a step of information processing for predicting the amount of expenditure such as a replacement cost and a step of outputting the result of the prediction.

[0067]

As described above, according to the present invention, it is possible to grasp future expenditures and incomes at home, and to maintain stable household management and asset formation plans.

[Brief description of drawings]

FIG. 1 is a basic configuration diagram of an information providing device according to a first embodiment of the present invention.

FIG. 2 is a registration content diagram of a used item input by a user according to the first embodiment of the present invention.

FIG. 3 is a diagram of registered contents of family information, belonging area information, past income amount, past life maintenance cost, and assets input by the user in the first embodiment of the present invention.

FIG. 4 is a prediction result diagram of future maintenance costs and replacement costs related to various kinds of materials used in the first embodiment of the present invention.

[Fig. 5] Fig. 5 is a prediction result diagram of future living maintenance costs in Embodiment 1 of the present invention.

[Fig. 6] Fig. 6 is a diagram showing the prediction result of the future balance in Example 1 of the present invention

FIG. 7 is a diagram of a planned asset plan according to the first embodiment of the present invention.

[Explanation of symbols]

1 Information providing device 3 Information Management Department 4 Information processing section 5 Result output section

Claims (11)

[Claims] 1. An information management unit for presetting useful life information of a used product, and information processing for predicting future expenses such as maintenance cost and replacement cost of the used product based on the useful life information. An information providing apparatus including a unit and a result output unit that outputs the prediction result. 2. The information providing apparatus according to claim 1, wherein the information processing unit has a function of predicting future expenditure of living maintenance costs consumed at home. 3. The information processing unit has a function of predicting a future income amount at home, comparing it with a predicted future expenditure amount, and making a plan for asset formation, and a result output unit. The information providing apparatus according to claim 2, wherein the information providing apparatus has a function of outputting the planning result. 4. The information management unit stores usage history information such as usage frequency, usage load, failure information, etc., when each usage product is used, and the information processing unit uses the usage history information to determine the future of each usage product. The information providing apparatus according to claim 1, which predicts the amount of expenditure such as maintenance cost, replacement cost, etc. 5. The information management unit stores information on the lifespan, replacement status and failure status of a product of the same type as the registered product in the market, and the information processing unit uses the information based on the lifespan and failure status as a product to be used. The information providing apparatus according to claim 1, which predicts the amount of expenditure such as maintenance costs and replacement costs that will occur in the future. 6. The information management unit registers information such as the age structure of members of the family, and based on the information, the information processing unit spends future maintenance costs, replacement costs, etc., on the used items. 3. The information providing apparatus according to claim 1 or 2, which predicts the cost of living and the future cost of living expenses. 7. The information management unit registers information such as climate and prices of the area to which the home belongs, and based on the information, the information processing unit stores future maintenance costs, replacement costs, etc. related to the items used. 3. The information providing device according to claim 1, which predicts an amount of expenditure and a future amount of expenditure for living maintenance cost. 8. A variety of information managed by the information management unit,
4. A function for automatically or arbitrarily updating via a network or an information storage medium.
The information providing device according to at least one of 1 to 7. 9. A function of automatically or arbitrarily inputting price fluctuation prediction information into an information management unit via a network or an information storage medium, and performing information processing based on the price fluctuation prediction information. The information providing apparatus according to claim 8, wherein the department makes a future prediction of each spending amount. 10. A function for automatically or arbitrarily inputting economic growth forecast information to an information management unit via a network or an information storage medium, and processing the information based on the economic growth forecast information. The information providing apparatus according to claim 8, wherein the department makes a future prediction of the amount of income at home. 11. A program for causing a computer to execute all or part of the information providing device according to claim 1. Description: