||Consumption expenditure includes households' outgoing payments, but does not include direct taxes, national insurance contributions, gifts received, fixed capital investments (e.g. purchase of dwelling and costs of building and extending dwellings), and contractual savings (e.g. pension contributions, loan instalments, life insurance etc.). In addition to the outgoing payments, consumption expenditure also includes the value of the consumption of self-produced goods and gifts received. Self-produced goods are valued at producer price and gifts received are value at retail price. For some durable consumer goods, the consumption expenditure constitutes the difference between the cost of purchase and the "income" from sale (trade-in). For this reason, negative figures may appear in some tables.