Talking about Budgets: Time and Uncertainty in Household Decision Making
Talking about Budgets: Time and Uncertainty in Household Decision Making
复制标题
谈论预算：家庭决策中的时间和不确定性
DOI：
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发表时间：
1999
期刊：
影响因子：
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通讯作者：
N. Gilbert
中科院分区：
文献类型：
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作者：
Edmund Chattoe;N. Gilbert
本文报告了对退休家庭进行的26次访谈的结果，内容涉及他们做出预算决策的方式。这些数据的提出有三个目标。首先，描述家庭执行预算过程的方式。其次，考虑消费对经济学和社会学理论的影响。第三，构建一个理解预算决策的框架，有效地组织数据，并将当前的理论置于更清晰的相互关系中。研究发现，个人预算具有几个在现有消费理论中很难体现的特征：决策中时间和金钱之间的强烈关系，耐用品的重要性，家庭决策的社会性质而不是理性性质，以及需要预算策略来应对不确定性。提出了一个五级框架，展示了决策者如何使用不同的资源和方法来管理他们的资金。
This paper reports findings from twenty-six interviews conducted with retired households about the way they make budgeting decisions. The data are presented with three objectives. First, to describe the way that households carry out the process of budgeting. Secondly, to consider the implications for economic and sociological theories of consumption. Thirdly, to construct a framework for understanding budgetary decision making which organises the data usefully and places current theories in a clearer relationship to each other. It is found that personal budgeting has several characteristics which are poorly represented in existing theories of consumption: the strong relation between time and money in decision making, the importance of durable goods, the social rather than rational nature of household decision making and the need for budgeting strategies to deal with uncertainty. A five-level framework is presented which shows how different resources and methods are used by decision makers to manage their money.