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"Budgets, Personal."
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Making a budget
\"This easy-to-follow guide helps readers learn how to craft a budget that accounts for earnings, spending, and short-term and long-term savings goals. Concise directions thoughtfully guide readers through the processes of setting up a weekly expense records, making monthly budgets, using budgeting tools, setting financial goals, evaluating and adjusting budgets, and practicing wise savings and spending habits.\"-- Publisher's description.
Book
A student's guide to personal financial success. Understanding budgets
College is a time of new found freedom for many students. But with freedom comes responsibility, especially fiscal responsibility. This video reviews the basics in money management skills in order to build a solid financial foundation for college years and beyond. Topics include how to set up a budget, discretionary vs. nondiscrtionary spending, and savings.
Streaming Video
How to spend smart
Teaches young readers how to use their money wisely, including how to follow a budget, how to be savvy about advertising, and how to understand return policies.
Book
Expenditures on sugar-sweetened beverages in Jamaica and its association with household budget allocation
Sugar-sweetened beverages (SSB) consumption is associated with overweight and obesity, which are important drivers for the increasing healthcare and other social costs. If expenditures on SSB decrease expenditures on other goods and services, such as education and healthcare, this \"crowding-out\" may have a lasting effect. The main objectives of this article are, first, to estimate the statistical association between the decision of spending in SSB and several households' sociodemographic characteristics; and second, to estimate the association between the decision of buying SSB and budget allocation across categories in Jamaica.
Using the Jamaican Household Expenditure Survey 2004-2005 a generalized ordered probit model was estimated to examine the association between socioeconomic variables and the decision to spend on SSB. Seemingly Unrelated Regression Equations (SURE) of all the expenditure groups (except the SSB group) were used to estimate the association between the decision of buying SSB and budget allocation on other goods and services.
Expenditures on SSB are negatively affected by the size of the household and the area of residence (rural households spend more on SSB than urban ones), while having a larger proportion of children (15 or younger) and having a larger total budget is associated to more expenditures on SSB. Households with positive expenditure on SSB allocate significantly less budget to \"Healthcare\" and \"Education\", when compared to those who did not buy SSB.
SSB expenditures may displace expenditures in necessary goods and services, which implies that decreasing the proportion of budget spent on SSB may have important present and future consequences on poorer households' human capital accumulation and future incomes.
Journal Article
How to make a budget
Describes to young readers how to make a budget, including keeping track of income, fixed expenses vs. flexible expenses, and how a budget can be used to reach goals.
Book
The Relationship between Electricity Prices and Household Welfare in South Africa
The study examines the relationship between electricity prices and household welfare in South Africa. The study employs a demand system framework on annual time-series data from 2000 to 2018 and the analysis involves the calculation of price elasticities and measurement of welfare changes. The price elasticities in this study are drawn from the linear expenditure demand model. To analyse welfare change, we consider the impact of electricity pricing policies on cost of living (proxied by the consumer price index and households’ expenditure patterns). The study achieves this: (i) by comparing electricity price movements to changes in the rate of inflation between 2000 and 2018; (ii) by regressing total household energy expenditure against household expenditure on electricity, to examine how electricity costs affect a household’s overall energy bills; and (iii) thirdly, by regressing household food expenditure against households’ electricity expenditure to determine how the latter affects a household’s ability to spend on other basic goods and services. The results of the study show: (i) South African household electricity demand is inelastic to changes in price of electricity; (ii) electricity prices in the country increased at a higher rate than the rate of inflation for most of the time during the study period, suggesting that households incurred increased expenditures to achieve their desired utility or satisfy their energy needs during this period; (iii) household total electricity expenditure is positively related to household total energy expenditure, implying that high household expenditure on electricity exerts upward pressure on the overall household energy budgets; and (iv) household total food expenditure is negatively related to household total energy expenditure. This shows that while policy makers achieved significant success with providing physical access to electricity, affordable access to this basic service is still a concern and affects the overall welfare of households in the country. The study recommends a review of the country’s electricity tariff structure to make affordability a key objective. Moreover, the study calls for coordinated efforts in addressing Eskom challenges which have also played a contributing role to the current energy crisis, characterized by an unreliable electricity supply and constantly increasing electricity prices.
Journal Article
Big change starts small : how to build massive savings with miniature steps
\"There is untapped magic in using simplicity to approach personal finance. Oftentimes, one approaches personal finance with dread and overwhelm because of its complex nature. Big Change Starts Small illustrates the power of simplicity as a necessary building block that creates momentum and fosters financial empowerment with every milestone we reach. Simplicity helps us establish a solid financial foundation by adopting small, intentional steps that feel attainable\"-- Provided by publisher.
Book
Choice and quality in home-based and community-based aged care: insights from two rapid evidence reviews
As consumer-directed care programmes become increasingly common in aged care provision, there is a heightened requirement for literature summarising the experience and perspectives of recipients. We conducted rapid evidence reviews on two components of consumer experience of home- and community-based aged care: (a) drivers of choice when looking for a service (Question 1 (Q1)); and (b) perceptions of quality of services (Question 2 (Q2)). We systematically searched MEDLINE and EMBASE databases, and conducted manual (non-systematic) searches of primary and grey literature (e.g. government reports) across CINAHL, Scopus, PsychINFO, and Web of Science, Trove and OpenGrey databases. Articles deemed eligible after abstract/full-text screening subsequently underwent risk-of-bias assessment to ensure their quality. The final included studies (Q1: N = 21; Q2: N = 19) comprised both quantitative and qualitative articles, which highlighted that consumer choices of services are driven by a combination of: desire for flexibility in service provision; optimising mobility; need for personal assistance, security and safety, interaction, and social/leisure activities; and to target and address previously unmet needs. Similarly, consumer perspectives of quality include control and autonomy, interpersonal interactions, flexibility of choice, and safety and affordability. Our reviews suggest that future model development should take into account consumers’ freedom to choose services in a flexible manner, and the value they place on interpersonal relationships and social interaction.
Journal Article
Love your life, not theirs : 7 money habits for living the life your want
\"Are we really living the lives we want, or are we chasing someone else's dream, just trying to keep up appearances on social media, at church, and in our community? Why are we letting other people set the pace for our own family's finances? In [this book], Rachel shows you how to buy and do the things that are important to you--the right way. That starts by choosing to quit the comparisons, reframing the way you think about money, and developing new habits like avoiding debt, living on a plan, watching your spending, saving for the future, having healthy conversations about money, and giving\"--Amazon.com.
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