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Economic indicators

Undisciplined in everyday life have less financial control, says study

14/02/2014

This article was translated by an automatic translation system, and was therefore not reviewed by people.





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A national survey commissioned by Brazil SPC ( Service Credit Protection ) showed that undisciplined people who have habits such as studying the eve of exams, late in appointments or be a slacker at work, also have less financial control than respondents voted " most disciplined " .

Research on Financial Education in Brazil was held between 18th and 24th December 2013 and interviewed 656 consumers of all economic classes , from 27 Brazilian capitals . Only people over 18 and who have an income ( excluding illiterate ) were considered . The margin of error in the study is 3.8 percentage points for a confidence interval of 95 % .

" Contrary to what common sense tells people , the causes of financial disarray are not related to social class or level of education of the consumer , but the behavior of each. In general , we saw that people organized and planners have a more healthy and fully consistent with the rest of the practical day to day financial management ", said the chief economist at SPC Brazil , Luiza Rodrigues .
Initially, the researchers established three behavioral profiles for the respondents , based on the responses of each on study habits , behavior at work and on the posture of simple commitments of everyday life , such as being on time for scheduled meetings . Respondents were classified as organized people , people who try to be organized and unorganized people.

overdraft

The researchers identified a " behavioral decoupling" between the three groups in the first few questions on the financial stability of each. The survey reveals that the percentage of respondents who disorganized ever entered the overdraft , for example , is more than double compared to the share of organized consumers . The percentage is 11 % among the organized consumers , 21 % of those who try to be between 25% and disorganized .

Behavioral differences were also detected in the three profiles regarding the management of household expenses . When asked if they manage to reach the end of the month with all bills paid , organized have no doubts: 64 % answered yes and that " still left a little money ." On the other hand, the portion answer yes to the question between trying be arranged falls to 45% and reaches 39% of Respondents disorganized .

Preparing for emergencies

The survey also showed that disorganization is reflected in the preparation of consumers for emergencies . In a hypothetical emergency situation - such as job loss or health problem - 50 % of respondents would like organized resort to savings or other type of application to exit the choke . The percentage of those who try to be organized and resort to this kind of reservation is 41 % and drops to 36 % among the disorganized , informed the SPC Brazil .

According to researchers, a joint analysis of the data demonstrates how organized people tend to maintain a healthier financial management on a daily , consistent with their behavior in general.

" They demonstrate not buy beyond the possibilities , take control of accounts and know the correct time to resort to saving Moreover , disorganized walk in the opposite direction - . Demonstrates this behavior is consistent with the lack of planning in other daily activities in general
" he added.


Source : G1

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This article was translated by an automatic translation system, and was therefore not reviewed by people.

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