Home  Journals  Finance and Credit  32(512) - 2012 August

Research of mechanism of formation and use of means within personal financial planning of households

Available online: 12 September 2012

Subject Heading: HOUSEHOLD FINANCE

JEL Classification: 

In the article the results of empirical research of structure of distribution of the population income are presented. The results received during poll by means of statistical methods are analyzed, and the criteria defining the directions of an expenditure of the located income of households are generalized. Research allowed to reveal ambiguity of criteria of motivation of households at adoption of financial decisions and to show interrelation of individual economic decisions within personal financial planning of the general directions of expenses of households.
     The function, allowing to estimate extent of influence a determinant of consumer behavior on size and the direction of an expenditure of means is presented by households. The conclusion on not optimum nature of consumer behavior of the population, caused by a set of factors is drawn.

Keywords: personal financial planning, policy laissez faire, financial decisions of households, consumer behavior, disposable income, consumption and savings

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ISSN 2311-8709 (Online)
ISSN 2071-4688 (Print)

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