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  • A (W)hole in the financial budget: Budgeting's influence on the effective use of credit card debt in Australia

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    AjzerlePUB1134.pdf (128.2Kb)
    Author(s)
    Ajzerle, Sanja
    Brimble, Mark
    Freudenberg, Brett
    Griffith University Author(s)
    Freudenberg, Brett D.
    Brimble, Mark A.
    Ajzerle, Sanja
    Year published
    2015
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    Abstract
    Credit card debt has become intrinsic to the way of life and are accepted as part of modern day living. This paper examines to what extent personal budgeting can influence the effective use of Australian credit card debt. The findings suggest that the most effective credit card debtors are those who consider they do not need a budget due to low income and expenses followed by those without a budget but often earning in excess of $180,000 p.a. Participants with the lowest effective use of credit card debt are those who do have a budget but rarely follow it.Credit card debt has become intrinsic to the way of life and are accepted as part of modern day living. This paper examines to what extent personal budgeting can influence the effective use of Australian credit card debt. The findings suggest that the most effective credit card debtors are those who consider they do not need a budget due to low income and expenses followed by those without a budget but often earning in excess of $180,000 p.a. Participants with the lowest effective use of credit card debt are those who do have a budget but rarely follow it.
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    Journal Title
    Financial Planning Research Journal
    Volume
    1
    Issue
    1
    Publisher URI
    https://www.griffith.edu.au/griffith-business-school/departments/accounting-finance-economics/financial-planning-research-journal
    Copyright Statement
    © 2015 Griffith University. The attached file is reproduced here in accordance with the copyright policy of the publisher. Please refer to the journal's website for access to the definitive, published version.
    Subject
    Banking, Finance and Investment not elsewhere classified
    Publication URI
    http://hdl.handle.net/10072/99100
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    • Journal articles

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