Almost everyone will have less money to spend this year, the fourth year in succession spending power has gone down, according to the family spending institute Nibud.

People who took early retirement and parents with children at daycare centres will be hardest hit, Nibud said. On average, people will have 2% less cash in their pockets, but the drop could be as high as 7.7% for some.
While pay slips may show a rise in net income, inflation is rising faster than wages and the increase in the own-risk element in healthcare has also gone up sharply.
In particular, Nibud says it is concerned about the financial situation of people claiming welfare benefits. Their spending power has gone down for the fourth year in a row and they have increasingly limited options to make savings, Nibud said.
Nibud has developed an online test for people to find out how much their own spending power will go down in 2013.