Home  Journals  Finance and Credit  35(563) - 2013 September

Theoretical aspects and principles of stratified distribution of disposable income of population in process of personal financial planning

Available online: 25 September 2013

Subject Heading: PERSONAL FINANCE

JEL Classification: 

In the article the results of research dependence of the directions of distribution of the located income on a number of criteria is revealed. The results of research dependence of the directions of distribution of the located income on a number of criteria are revealed. The function, allowing estimating influence a determinant of behavior of consumers at a size and the direction of expenses of house farms is presented. Signs of non-optimal consumer behavior of the population in the conditions of asymmetry of information, distorting influence of elements of imitation, stereotypes and imitating manifestations are shown. The presented results correspond to theories in the field of the public and personal finances and allow drawing the conclusions on ambiguity of criteria of motivation of households at adoption of personal financial decisions. Influence of psychological factors on process of personal financial planning is opened.

Keywords: personal financial planning, financial decisions of households, consumer behavior, disposable income

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

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