This work is licensed under the Creative Commons Attribution 4.0 International License.
Ajzerle, S., Brimble, M, & Freudenberg, B. 2015. A (W) hole in the financial budget: Budgeting’s influence on the effective use of credit card debt in Australia. Financial Planning Research Journal, 1, 55-72.AjzerleS.BrimbleM & FreudenbergB.2015.A (W) hole in the financial budget: Budgeting’s influence on the effective use of credit card debt in Australia.,1,55-72.Search in Google Scholar
Ameriks, J., Caplin, A, & Leahy, J. 2003. Wealth accumulation and the propensity to plan. The Quarterly Journal of Economics. 118, 1007-1047.AmeriksJ.CaplinA & LeahyJ.2003.Wealth accumulation and the propensity to plan..118,1007-1047.Search in Google Scholar
Amit, N., Ismail, R., Zumrah, A. R., Mohd Nizah, M. A., Tengku Muda, T. E. A., Tat Meng, E. C., Ibrahim, N. & Che Din, N. 2020. Relationship between debt and depression, anxiety, stress, or suicide ideation in Asia: a systematic review. Frontiers in psychology, 11, 1336.AmitN.IsmailR.ZumrahA. R.Mohd NizahM. A.Tengku MudaT. E. A.Tat MengE. C.IbrahimN. & Che DinN.2020.Relationship between debt and depression, anxiety, stress, or suicide ideation in Asia: a systematic review.,11,1336.Search in Google Scholar
Antonides, G., De Groot, I. M. & Van Raaij, W. F 2011. Mental budgeting and the management of household finance. Journal of Economic Psychology, 32, 546-555.AntonidesG.De GrootI. M. & Van RaaijW. F2011.Mental budgeting and the management of household finance.,32,546-555.Search in Google Scholar
Australian Bureau Of Statistics. 2016. 2016 Census QuickStats (Online). Available: https://quickstats.censusdata.abs.gov.au/census_services/getproduct/census/20l6/quickstat/036 (Accessed 10/02/2021 2021).Australian Bureau Of Statistics.2016.(Online). Available: https://quickstats.censusdata.abs.gov.au/census_services/getproduct/census/20l6/quickstat/036(Accessed 10/02/20212021).Search in Google Scholar
Bénabou, R. & Tirole, J. 2004. Willpower and personal rules. Journal of Political Economy, 112, 848-886.BénabouR. & TiroleJ.2004.Willpower and personal rules.,112,848-886.Search in Google Scholar
Beshears, J., Milkman, K. L. & Schwartzstein, J. 2016. Beyond beta-delta: The emerging economics of personal plans. American Economic Review, 106, 430-34.BeshearsJ.MilkmanK. L. & SchwartzsteinJ.2016.Beyond beta-delta: The emerging economics of personal plans.,106,430-34.Search in Google Scholar
Boobier, T. 2018. Advanced analytics and Al: impact, implementation, and the future of work, John Wiley & Sons.BoobierT.2018.,John Wiley & Sons.Search in Google Scholar
Brackertz, N. 2012. I wish I’d known sooner! The impact of financial counselling on debt resolution and personal wellbeing.BrackertzN.2012.Search in Google Scholar
Brown, S., Taylor, K. & Price, S. W. 2005. Debt and distress: Evaluating the psychological cost of credit. Journal of Economic Psychology, 26, 642-663.BrownS.TaylorK. & PriceS. W.2005.Debt and distress: Evaluating the psychological cost of credit.,26,642-663.Search in Google Scholar
Bureau, C. F. P. 2015. Financial well-being: the goal of financial education. Report. Iowa City, IA: Consumer Financial Protection Bureau.BureauC. F. P.2015.. Report.Iowa City, IA:Consumer Financial Protection Bureau.Search in Google Scholar
Chien, Y. W. & Devaney, S. A. 2001. The effects of credit attitude and socioeconomic factors on credit cord and installment debt. Journal of Consumer Affairs, 35, 162-179.ChienY. W. & DevaneyS. A.2001.The effects of credit attitude and socioeconomic factors on credit cord and installment debt.,35,162-179.Search in Google Scholar
Cuesta, M. B. & Budría, S. 2015. The effects of over-indebtedness on individual health. Dostopno na: http://ftp.iza.org/dp8912.pdf (5. 11. 2015).CuestaM. B. & BudríaS.2015.The effects of over-indebtedness on individual health.: http://ftp.iza.org/dp8912.pdf (5. 11. 2015).Search in Google Scholar
Davis, E. P & Carr, R. A. 1992. Budgeting practices over the life cycle. Financial Counseling and Planning, 3, 3-16.DavisE. P & CarrR. A.1992.Budgeting practices over the life cycle.,3,3-16.Search in Google Scholar
Davis, E. P. & Weber, J. A. 1990. Patterns and obstacles to financial management. Financial Counseling and Planning, 1, 41-51.DavisE. P. & WeberJ. A.1990.Patterns and obstacles to financial management.,1,41-51.Search in Google Scholar
Finke, M. S., Huston, S. J. & Waller, W. 2009. Do Contracts Impact Comprehensive Financial Advice? Available at SSRN 1429807FinkeM. S.HustonS. J. & WallerW.2009.Do Contracts Impact Comprehensive Financial Advice?Search in Google Scholar
Galperti, S. 2019. A theory of personal budgeting. Theoretical Economics, 14, 173-210.GalpertiS.2019.A theory of personal budgeting.,14,173-210.Search in Google Scholar
Garðarsdóttir, R. B. & Dittmar, H. 2012. The relationship of materialism to debt and financial well-being: The case of Iceland’s perceived prosperity. Journal of Economic Psychology, 33, 471-481.GarðarsdóttirR. B. & DittmarH.2012.The relationship of materialism to debt and financial well-being: The case of Iceland’s perceived prosperity.,33,471-481.Search in Google Scholar
Garman, E. T, Leech, I. E. & Grable, J. E. 1996. The negative impact of employee poor personal financial behaviors on employers. Financial counseling and planning, 7, 157-168.GarmanE. TLeechI. E. & GrableJ. E.1996.The negative impact of employee poor personal financial behaviors on employers.,7,157-168.Search in Google Scholar
Guthrie, C. P. & Nicholls, C. M. 2015. The Personal Budget Project: A practical introduction to financial literacy. Journal of Accounting Education, 33, 138-163.GuthrieC. P. & NichollsC. M.2015.The Personal Budget Project: A practical introduction to financial literacy.,33,138-163.Search in Google Scholar
Heath, C. & Soil, J. B. 1996. Mental budgeting and consumer decisions. Journal of consumer research, 23, 40-52.HeathC. & SoilJ. B.1996.Mental budgeting and consumer decisions.,23,40-52.Search in Google Scholar
Jacobe, D. 2013. One in three Americans prepare a detailed household budget. Gallup,(June 3), (available athttp://www.gallup.com/poll/162872/one-three-americans-prepare-detailedhousehold-budget.ospxj.JacobeD.2013.One in three Americans prepare a detailed household budget.,(June3),(available athttp://www.gallup.com/poll/162872/one-three-americans-prepare-detailedhousehold-budget.ospxj.Search in Google Scholar
Johnson, M. D. 1984. Consumer choice strategies for comparing noncomparable alternatives. Journal of consumer research, 11, 741-753.JohnsonM. D.1984.Consumer choice strategies for comparing noncomparable alternatives.,11,741-753.Search in Google Scholar
Joo, S.-H. 1998. Personal financial wellness and worker job productivity. Virginia Tech.JooS.-H.1998..Virginia Tech.Search in Google Scholar
Kamleitner, B. & Kirchler, E. 2007. Consumer credit use: A process model and literature review. European Review of Applied Psychology, 57, 267-283.KamleitnerB. & KirchlerE.2007.Consumer credit use: A process model and literature review.,57,267-283.Search in Google Scholar
Kennickell, A. B. Multiple imputation in the Survey of Consumer Finances. Proceedings of the Section on Survey Research Methods, 1998.KennickellA. B..Proceedings of the Section on Survey Research Methods, 1998.Search in Google Scholar
La Cava, G. & Simon, J. 2005. Household debt and financial constraints in Australia. Australian Economic Review, 38, 40-60.La CavaG. & SimonJ.2005.Household debt and financial constraints in Australia.,38,40-60.Search in Google Scholar
Lea, S. E., Webley, P & Walker, C. M. 1995. Psychological factors in consumer debt: Money management, economic socialization, and credit use. Journal of economic psychology, 16, 681-701.LeaS. E.WebleyP & WalkerC. M.1995.Psychological factors in consumer debt: Money management, economic socialization, and credit use.,16,681-701.Search in Google Scholar
Livingstone, S. M. & Lunt, P K. 1992. Predicting personal debt and debt repayment: Psychological, social and economic determinants. Journal of economic psychology, 13, 111-134.LivingstoneS. M. & LuntP K.1992.Predicting personal debt and debt repayment: Psychological, social and economic determinants.,13,111-134.Search in Google Scholar
Lowe, P. 2017. Household debt, housing prices and resilience. Economic Analysis and Policy, 55, 124-131.LoweP.2017.Household debt, housing prices and resilience.,55,124-131.Search in Google Scholar
Lunt, P. K. & Livingstone, S. M. 1991. Everyday explanations for personal debt: A network approach. British journal of social psychology, 30, 309-323.LuntP. K. & LivingstoneS. M.1991.Everyday explanations for personal debt: A network approach.,30,309-323.Search in Google Scholar
Madakkatel, I., Chiera, B. & Mcdonnell, M. D. Predicting Financial Well-Being Using Observable Features and Gradient Boosting. Australasian Joint Conference on Artificial Intelligence, 2019. Springer, 228-239.MadakkatelI.ChieraB. & McdonnellM. D..Australasian Joint Conference on Artificial Intelligence,2019. Springer,228-239.Search in Google Scholar
Nepomuceno, M. V. & Laroche, M. 2015. The impact of materialism and anti-consumption lifestyles on personal debt and account balances. Journal of Business Research, 68, 654-664.NepomucenoM. V. & LarocheM.2015.The impact of materialism and anti-consumption lifestyles on personal debt and account balances.,68,654-664.Search in Google Scholar
Peetz, J. & Buehler, R. 2009. Is there a budget fallacy? The role of savings goals in the prediction of personal spending. Personality and Social Psychology Bulletin, 35, 1579-1591.PeetzJ. & BuehlerR.2009.Is there a budget fallacy? The role of savings goals in the prediction of personal spending.,35,1579-1591.Search in Google Scholar
Pirog, S. E & Roberts, J. A. 2007. Personality and credit card misuse among college students: The mediating role of impulsiveness. Journal of Marketing Theory and Practice, 15, 65-77.PirogS. E & RobertsJ. A.2007.Personality and credit card misuse among college students: The mediating role of impulsiveness.,15,65-77.Search in Google Scholar
Reserve Bank Of Australia. 2021a. Statistical tables: Cl Credit and Charge Card Statistics (Online). Available: https://www.rba.gov.au/statistics/tables/ (Accessed 09/02/2021 2021).Reserve Bank Of Australia.2021a.(Online). Available: https://www.rba.gov.au/statistics/tables/(Accessed 09/02/20212021).Search in Google Scholar
Reserve Bank Of Australia. 2021b, Statistical Tables: El Household and Business Balance Sheets (Online). Available: https://www.rba.gov.au/statistics/tables/xIs/e01hist.xis?v=202l-02-09-12-44-21 (Accessed 09/02/2021 2021).Reserve Bank Of Australia.2021b,(Online). Available: https://www.rba.gov.au/statistics/tables/xIs/e01hist.xis?v=202l-02-09-12-44-21(Accessed 09/02/20212021).Search in Google Scholar
Reserve Bank Of Australia. 2021c. Statistical tables: E2 Household Finances - Selected Ratios (Online]. Available: https://www.rba.gov.au/statistics/tables/xls/e02hist.xls (Accessed 05/10/2021 2021).Reserve Bank Of Australia.2021c.(Online]. Available: https://www.rba.gov.au/statistics/tables/xls/e02hist.xls(Accessed 05/10/20212021).Search in Google Scholar
Richardson, T, Elliott, P & Roberts, R. 2013. The relationship between personal unsecured debt and mental and physical health: A systematic review and meta-analysis. Clinical Psychology Review, 33, 1148-1162.RichardsonTElliottP & RobertsR.2013.The relationship between personal unsecured debt and mental and physical health: A systematic review and meta-analysis.,33,1148-1162.Search in Google Scholar
Roll, S. & Moulton, S. 2019. Credit Counseling and Consumer Credit Trajectories. Economic Inquiry, 57, 1981-1996.RollS. & MoultonS.2019.Credit Counseling and Consumer Credit Trajectories.,57,1981-1996.Search in Google Scholar
Shen, S., Sam, A. G. & Jones, E. 2014. Credit cord indebtedness and psychological well-being over time: empirical evidence from a household survey. Journal of Consumer Affairs, 48, 431-456.ShenS.SamA. G. & JonesE.2014.Credit cord indebtedness and psychological well-being over time: empirical evidence from a household survey.,48,431-456.Search in Google Scholar
Simon, H. A. 2013. Administrative behavior, Simon and Schuster.SimonH. A.2013.,Simon and Schuster.Search in Google Scholar
Sweet, E., Nandi, A., Adam, E. K. & Mcdade, T. W. 2013. The high price of debt: Household financial debt and its impact on mental and physical health. Social Science & Medicine, 91, 94-100.SweetE.NandiA.AdamE. K. & McdadeT. W.2013.The high price of debt: Household financial debt and its impact on mental and physical health.,91,94-100.Search in Google Scholar
Thaler, R. 1985. Mental accounting and consumer choice. Marketing science, 4, 199-214.ThalerR.1985.Mental accounting and consumer choice.,4,199-214.Search in Google Scholar
Thaler, R. H. 1999. Mental accounting matters. Journal of Behavioral decision making, 12, 183-206.ThalerR. H.1999.Mental accounting matters.,12,183-206.Search in Google Scholar
Walker, C. M. 1996. Financial management, coping and debt in households under financial strain. Journal of Economic Psychology, 17, 789-807.WalkerC. M.1996.Financial management, coping and debt in households under financial strain.,17,789-807.Search in Google Scholar
Watson, J. J. 2003. The relationship of materialism to spending tendencies, saving, and debt. Journal of economic psychology, 24, 723-739.WatsonJ. J.2003.The relationship of materialism to spending tendencies, saving, and debt.,24,723-739.Search in Google Scholar
Worthington, A. C. 2006. Debt as a source of financial stress in Australian households. International Journal of Consumer Studies, 30, 2-15.WorthingtonA. C.2006.Debt as a source of financial stress in Australian households.,30,2-15.Search in Google Scholar
Xiao, J. J. & O’neill, B. 2018. Mental accounting and behavioural hierarchy: Understanding consumer budgeting behaviour. International Journal of Consumer Studies, 42, 448-459.XiaoJ. J. & O’neillB.2018.Mental accounting and behavioural hierarchy: Understanding consumer budgeting behaviour.,42,448-459.Search in Google Scholar
Yin, Y. & Ōzdinç, Y. 2018. Budget over health unless overweight: A Solomon four-group study. International Journal of Consumer Studies, 42, 232-240.YinY. & ŌzdinçY.2018.Budget over health unless overweight: A Solomon four-group study.,42,232-240.Search in Google Scholar