Income and Expenditure Behavior for Personal Financial Planning of People in Thonburi

Abstract

           This research are intended to study Income and Expenditure Behavior for Personal Financial Planning of People in Thonburi. Side of the sample of 400 people during January to March 2014 using a questionnaire to collect information and data were analyzed by statistics. Freq (Frequency) and percentage (Percentage) Average (Mean), standard deviation (Standard deviation) and the chi-square (Chi-square) to test the hypothesis.

           The results showed that most respondents were female, aged 31-35 years, followed by the age of 26-30 years, followed by education level of the respondents, most undergraduate education. The Single Status Most career as a staff / employee. Average income is between 15,001 - 20,000 baht / month, followed by a median income of between 10,000 - 15,000 baht / month. The behavior found that most respondents accounting income by taking into account the revenue expenditure consigned. Save to PC and save it in a smartphone. Most of the revenue and expenditure accounting for over 4 years. The purpose of the income statement is to get most of their income, followed by savings plan. And personal financial planning for retirement. Using the advantage of preparing the income statement. Most respondents used savings and spending plan for the future, followed by a planned investment for retirement planning. The major reason that the income statement is widely popular among the general public. Most respondents argue that no knowledge of the preparation of the second is that there are no difficulties in the preparation. And that there is no need the idea is to invite others to the income statement because it could be useful or not. Most say yes

          Result of this study found that demographic characteristics such as gender, age, marital status, education, occupation, income per month. And attitudes towards boosting the income statement for all aspects of understanding and importance. And the promotion and dissemination. Correlated with the behavior of buying phones smartphones using the Android operating system in all aspects Thonburi is how to prepare income statement. Period in the income statement. The key objective in the preparation benefits the major reason that the income statement is widely popular among the people. And the idea to invite others to the income statement because it could be useful. This is because the Sig. Obtained from the correlation is less than 0.05.

          The study makes the point that to make people to income statement for the Personal Financial Planning. Promoted by the government is encouraging people to take part in a cognitive method of accounting. It is useful to plan savings. And overall financial planning of individuals. To be able to make a personal income statement. Utilized to control various expenses. Planning to use and know that their income is sufficient to generate savings. And plans to use the funds in the future. And one thing that the government should provide no less important than the preparation of the accounts. Government should encourage the public to know the return on investment of public money to grow. People have to make a new level of financial stability as appropriate to their individual circumstances. The state should focus on promoting the community level to the community for a stable life.