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The key factors behind Australians’ spending decisions vary widely depending on the time of year, and across the population.

But a new survey by the Australian Financial Register (AFR) and Mylifetime Register has revealed some key takeaways from the data.

Key findings from the surveyWhat’s more, the findings suggest that spending patterns across the country are changing over time.

The AFR’s research suggests that Australians have shifted their spending patterns between the months of June and October since 2005, when the average annual household income rose to $80,000.

The average annual spending by Australians since then has remained at around $70,000, but spending has fallen sharply as the country has entered recession.