Home  Journals  Finance and Credit  43(523) - 2012 November

Investigation of the mechanism of formation and use of funds in personal financial planning households

Available online: 21 November 2012

Subject Heading: PERSONAL FINANCE

JEL Classification: 

In the article it is noted the current conditions actualize aspects connected with structure and dynamics of consumer expenses of house farms. The results of empirical research of structure of distribution of the income of the population are presented. Ambiguity of criteria of motivation of households is revealed at adoption of financial decisions and the interrelation of individual economic decisions within personal financial planning of the general directions of expenses of households and polemical aspects of efficiency of policy of laissez faire and state regulation of economy is shown. The function, allowing to estimate extent of influence determinant of consumer behavior on size and the direction of an expenditure of means by households is presented.

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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