Household finances affect consumption and thereby impact on access to technology, travel and leisure. The level of disposable income directly influences quality of life, as it may be a necessary condition in order to access such services as health, education and the basic necessities of life. Those households that spend a disproportionate amount on accommodation or receive a disproportionate amount of income through government transfer payments experience inverse impacts on quality of life, since they are less able to acquire a wide range of goods and services.