Spending Behavior of Households and the Determining Factors

This study examines the expenditure patterns of Russian households at the current stage of development of Russia’s financial system. Aim. This study aims to identify components of households’ spending behavior and determine common problems, trends, and differences in the distribution of aggregate household income by group. Tasks. This study analyzes the methodological approaches to determine the nature of household spending using various transactions and statistical data on household expenditures and savings of households, identifies the specifics of income use according to the age of household members, and substantiates areas where external and internal factors affect the dynamics of household expenditures. Methods. This study uses general methods of scientific cognition to examine different definitions of individual expenditures in various aspects, identifies common expenditure parameters and differences depending on the objectives of grouping, as well as trends in the formation of their structure, which are characteristic of the current state of socioeconomic development in Russia. Results. The problem of correspondence between wants and capabilities and the specificity of want formation across different social groups determine the structure of total expenditures. An examination of the formation of significant conditions determining household expenditure structure is made difficult by the heterogeneity of household parameters, as a topic of economic relations. The behavior of different households or individuals in similar conditions may vary drastically. Each of them uses relatively equal opportunities for development, focusing on internal goals. Thus, factors that determine the structure of total expenditures need to be viewed from the perspective of their external and internal effects: social government policy, taxation systems for individuals, territorial factors, the real estate environment, the markets for currency, securities, and banking, the level of inflation, and commodity prices. Conclusion. Households are a special business subject unique for research. Decisions on household expenditures determine the stability of the financial system while also being affected by external and internal factors. Creating certain conditions through the development and application of adequate regulatory and organizational mechanisms that consider the specific features of a household would provide a background for the stable and predictable development of the national financial system.

финансы, персональные финансы, домашнее хозяйство, структура расходов, социальная государственная политика, finance, personal finance, household, spending behavior, social state policy

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