Academic literature on the topic 'Spending habits'
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Journal articles on the topic "Spending habits"
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Wetcher-Hendricks, Debra, and Mitchell Hendricks. "Generational Spending Habits." Theory in Action 15, no. 1 (2022): 48–67. http://dx.doi.org/10.3798/tia.1937-0237.2203.
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The expectation of familiarity with technologies embedded in millennial lifestyle creates a sort of cultural lag, with older generations struggling to understand and use these technologies. However, older generations’ failure to accept new technologies, at least to some degree, would lead to social stagnation. From a populist standpoint, concerns of both generations deserve attention. Hypotheses contend that those in younger generations feel greater strain when using electronic payments than when using currency and that those in older generations feel greater strain when using currency than when using electronic payments. Data gathered from individuals of various ages and in various socio-economic statuses provided moderate, but not overwhelming, support for this contention. However, other, unanticipated, patterns emerge.
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Tianika, Fransiska Octaviani, and Rosemarie Sutjiati Njotoprajitno. "PERBANDINGAN PENGARUH INDEKS PRESTASI KUMULATIF (IPK), LITERASI KEUANGAN, DAN PENJURUSAN TERHADAP SPENDING HABITS MAHASISWA." ANALISIS 11, no. 2 (2021): 163–76. http://dx.doi.org/10.37478/als.v11i2.874.
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Financial literacy is indicated to be able to help personal finances such as in the case of money circulation which will further control one's spending habit. lack of financial literacy causes failure in terms of managing finances. This research is in the field of personal financial planning/management which aims to to examine the comparison of the effects of GPA, financial literacy, and study programs on spending habits. This research uses collection of primary data obtained from students from the Faculty of Economics and Informatics of the Christian University of Marantha, the sample method used to collect sample is purposive sampling. The final results of the research showed that partially, GPA had no effect on spending habits, financial literacy had no effect on spending habits, and majors had no effect on spending habits. Simultaneously, GPA, financial literacy and majors had significant effect on spending habits. This result shows student academic achievement and financial literacy need to complement each other in order to influence student spending habits.
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Modi, Mr Sanskar, Prof Dr Rajendra Jarad, Pro Nilambari Moholkar, Pro Dr Dhananjay Bhavsar, Prof Dr Mahendra Yadav, and Prof ,. Dr Praveen Suryavanshi. "Impact of Cashless Payments on Customer Spending Habits." International Journal of Research Publication and Reviews 6, no. 4 (2025): 8060–62. https://doi.org/10.55248/gengpi.6.0425.1507.
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Baba, Erika, Tímea Kozma, Réka Pálinkás, and Zita Popovicsné Szilágyi. "Eximination of Leisure Spending Habits." Acta Carolus Robertus 13, no. 1 (2023): 119–28. http://dx.doi.org/10.33032/acr.4190.
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In today's modern world, recreation plays an increasingly important role, as one of its most important goals is to maintain health and increase our ability to work. The past few years have been defined by the Covid-19 pandemic. As a result, many areas of life have changed, such as health, the economy, education, entertainment and travel. After the introduction of restrictions, we spent more time at home, so activities in our free time also changed. It is important to make good use of the extra time available to us in addition to work.The aim of the study was to observe how busy the participants spend their days and how much time they spend on each activity. The research was conducted using an online questionnaire in which 343 people participated. In terms of gender distribution, women accounted for 72% and men for 28%. The survey covered active and passive actions. The questions covered separate weekdays and weekends, thus providing a comprehensive picture of leisure habits.
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Syed, Ali Rizwana M., and James Chithra. "Impact of Covid-19 on consumer spending pattern." B-Digest (Journal of Commerce & Management) 16, no. 2 (2024): 22. https://doi.org/10.26634/bdigest.16.2.21353.
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The COVID-19 pandemic has brought about an unprecedented era of uncertainty, forcing consumers to re-evaluate their spending habits and prioritize their needs in ways previously unimaginable. There is a fundamental shift in consumers spending habits that would have a far-reaching consequence for business and economics. This study seeks to explore the change in spending habit of consumers towards various product categories and shift in spending pattern during pandemic. Data were collected through questionnaire from 230 respondents. Convenience sampling method is used for this research and tools like Percentage, mean score ranking, One-way Anova, Chi-square and Cross-tabulation method were used to analyse the data. The finding reveals that “Essential products” and “non-essential product” categories faced major changes in spending pattern of consumers during COVID-19. The result shows that there is an association between employment status and shift in consumer spending pattern during pandemic.
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Emmanuel, Arvy Grace, Kent Mahilom, Jeanly Laputan, Angel Mae Quiseo, Prince Joseph Teo, and Edgar Fernandez. "Spending Habits and Daily Allowance Satisfaction of Accountancy, Business and Management (ABM) Students." Psychology and Education: A Multidisciplinary Journal 31, no. 3 (2025): 333–39. https://doi.org/10.5281/zenodo.14749884.
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This study aimed to determine the level of spending habit of ABM students in terms of academic purpose, food allowance and personal needs, and to determine their daily allowance satisfaction. This study also aims to examine if there is a significant relationship between spending habit and daily allowance satisfaction. The researcher conducted a quantitative research study and used correlational and descriptive research design. This study used total population sampling as sampling technique as this used the forty-two (42) ABM students in Malalag Cogon National High School in the schoolyear 2024-2025. The researchers used mean and Spearman Rho as the statistical tools. The researchers conducted a pilot testing to test the reliability of the questionnaires and the results of the Cronbach’s Alpha were good. Based on the findings, the level of spending habits of ABM students is moderate, and their level of daily allowance satisfaction is high. On the other hand, spending habits in terms of food, personal needs and academic purpose have a low positive correlation in the student’s satisfaction in allowance for their personal needs, food and academic purpose. In addition, the researcher recommended that in order to minimize the expenses of the students, they should be responsible for the things they buy, prioritize their needs over wants, and know how to budget their daily allowance so that they can control their spending habits and avoid allowance dissatisfaction.
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Akmalia, Ana, and Romandhon Romandhon. "Pengaruh Financial Literacy, Self-Control, Overconfidence, Dan Shopping Life-Style Terhadap Spending Habits." Jurnal Akuntansi, Manajemen dan Perbankan Syariah 3, no. 5 (2023): 96–103. https://doi.org/10.32699/jamasy.v3i5.6708.
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Tujuan - Penelitian ini bertujuan untuk menganalisis factor-faktor yang mempengaruhi terhadap spending habits mahasiswa. Metode – Penelitian dengan menggunakan Metode kuantatif dengan pengumpulan sampel dalam penelitian ini yaitu menggunakan purposive sampling. Teknik analisis yang digunakan analisis linear berganda. Dengan alat bantu SPSS versi 25. Hasil - Hasil penelitian ini menunjukkan bahwa financial literacy berpengaruh positif terhadap spending habits mahasiswa, sedangkan self-control, overconfidence dan shopping life-syle tidak berpengaruh terhadap spending habits mahasiswa Implikasi - Penelitian ini menggunakan data mahasiswa yang bertempat tinggal di PONPESMA UNSIQ Orisinalitas - Makalah ini melihat hubungan beberapa faktor yang mempengaruhi terhadap spending habits mahasiswa
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Mohd Rasid, Mohd Faizol Rizal. "The Antecedents of Food Spending Habits among University Students." Journal of International Business, Economics and Entrepreneurship 8, no. 2 (2023): 89–97. http://dx.doi.org/10.24191/jibe.v8i2.24128.
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In an era of shifting cultural, economic, and dietary landscapes, the study of food spending habits has become extremely important. There is a lack of comprehensive studies on the financial constraints faced by students and how these limitations impact on their food spending choices. This study examines the underlying factors and determinants that influence the food spending habits of students within the context of higher education. The main objective of this study was to examine the antecedents of students’ food spending habits. A set of questionnaires was distributed to 107 students at Universiti Teknologi MARA (UiTM) Puncak Alam and analyzed. The result demonstrated that all independent variables (promotional advertisements, personal preferences, and cultural trends) tested in this study have a significant impact on students' food spending habits. Findings from this study would be beneficial to policymakers, businesses in the food industry, and educational institutions in promoting healthier and sustainable food spending habits among students. Hence, it is expected that it can provide valuable insights into various aspects of an individual’s life and the broader economy.
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Sanoy, Jr. El Jhon, Anjelica Dew Oro, Rachel Ruellen Zaide, Maria Ericka Cazzandra Fernandez, and III Jose Decena. "Financial Attitudes and Spending Habits of Senior High School Teachers in Tacurong National High School: Implications for Poverty Reduction and Sustainable Development (SDG 1)." Psychology and Education: A Multidisciplinary Journal 22, no. 10 (2024): 1168–73. https://doi.org/10.5281/zenodo.13201036.
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The research conducted an in-depth analysis of the financial attitudes and spending habits of 55 Senior High School (SHS) teachers at Tacurong National High School (TNHS) using a quantitative research design and descriptive correlational technique. The study questionnaire was adapted and contextualized. Mean, Pearson Moment Correlation, and Multiple Regression Analysis were used to examine the collected data. The results revealed high levels of retention-time (saving) and anxiety, a low level of power prestige, and a moderate level of distrust frugality in the financial attitude domains. Meanwhile, the spending habits domains showed a moderate level of diversity and overspending and a high level of loyalty. The study result showed a low positive correlation between financial attitudes and spending habits. However, no single domain of financial attitudes was found to significantly influence spending habits. The findings of this study bear significant implications for Sustainable Development Goal number one: No Poverty, as understanding the financial attitudes and spending habits of educators can aid in developing targeted interventions to enhance financial literacy, promote sustainable economic behaviors, and contribute to poverty reduction efforts.
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Obagbuwa, Oloyede, and Farai Kwenda. "Determinants of Students' Spending Habits: a Case Study of Students at a Premier University of African Scholarship." African Journal of Business and Economic Research 15, no. 4 (2020): 25–43. http://dx.doi.org/10.31920/1750-4562/2020/v15n4a2.
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This study investigated factors that influence the spending habits of university students. The study utilised primary data collected through structured questionnaires from a sample of 479 students from the College of Humanities and College of Law and Management Studies at the University of KwaZuluNatal. Nine independent variables, namely, financial knowledge, financial attitude, gender, age, financial aid, years at university, racial groups, family background and course of study, were regressed against spending habits; the dependent variable. Data analysis was conducted using descriptive statistics, cross-tabulation, Chi-square tests, and binary logistic regression.. The study found that financial attitude has a significant influence on students' spending habits. The study found no statistically significant difference in the spending habits of male and female students; students majoring in business and nonbusiness-majors and among different racial groups.
Dissertations / Theses on the topic "Spending habits"
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Hao, Xin. "The dynamics of public spending and economics development." Thesis, University of Manchester, 2015. https://www.research.manchester.ac.uk/portal/en/theses/the-dynamics-of-public-spending-and-economics-development(41dc0f73-2f52-463d-9455-3f728c94dc06).html.
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The objective of the thesis is to provide a theory that explains the stylized facts regarding the trend of taxation policies, public spending and sovereign debt in advanced economies for the past couple of decades. The thesis focuses on distinguishing two types of public spending - productive investment and welfare payment and develops two different frameworks to examine the importance of the composition of these two types of public spending for economic growth and welfare. Chapter 2 presents a dynamic political-economy model in which voters decide tax rates and the proportion of public goods expenditure devoted to non-productive (but utility-enhancing) public goods. This non-productive public goods expenditure gives rise to a habit effect - it has to be at least as large as a fraction of last period value to provide utility. The median voter theorem applies. Starting from a steady state without the habit effect, its introduction leads to transitional dynamics that mimic several stylized facts: in particular, countries with higher income tend to have larger government and spend more on welfare programme. Chapter 3 studies the impact of public deficit on long-run economic growth by distinguishing the different types of government spending: investment and welfare payment. The model in this chapter predicts a non-monotonic or threshold effect in the relationship between public deficit and steady state growth rate. The composition of the public spending (the ratio between productive and non-productive) dictates the "threshold" in the national debt level. Countries which spend more on providing productive public goods could maintain a higher level of national debt that promotes growth.
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Kashif, Muhammad. "Application of Stochastic Optimal Control in Finance." Doctoral thesis, Università degli studi di Bergamo, 2018. http://hdl.handle.net/10446/77397.
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Asset allocation theory and practice has been applied to many problems of institutional investors. In this dissertation, we consider the following two problems:
Abstract i) Optimal portfolio and spending rules for endowment funds.
Abstract ii) Capital adequacy management for banks in the Lévy market.
Abstract Part I: We investigate the role of different spending rules in a dynamic asset allocation model for an endowment fund. In particular, we derive the optimal portfolios under the consumption-wealth ratio rule (CW strategy) and the hybrid rule (hybrid strategy) and compare them with a theoretically optimal (Merton's) strategy for both spending and portfolio allocation. Furthermore, we show that the optimal portfolio is less risky with habit as compared with the optimal portfolio without habit. Similarly, the optimal portfolio under hybrid strategy is less risky than both CW and Merton's strategy for given set of constant parameters. Thus, endowments following hybrid spending rule use asset allocation to protect spending. Our calibrated numerical analysis on US data shows that the consumption under hybrid strategy is less volatile as compared to other strategies. However, hybrid strategy comparatively outperforms the conventional Merton's strategy and CW strategy when the market is highly volatile but under-performs them when there is a low volatility. Overall, the hybrid strategy is effective in terms of stability of spending and intergenerational equity because, even if it allows fluctuation in spending in the short run, it guarantees the convergence of spending towards its long term mean.
Abstract Part II: We investigate the capital adequacy management and asset allocation problems for a bank whose risk process follows a jump-diffusion process. Capital adequacy management problem is based on regulations in Basel III Capital Accord such as the capital adequacy ratio (CAR) which is calculated by the dividing the bank capital by total risk-weighted assets (TRWAs). Capital adequacy management requires a bank to reserve a certain amount for liquidity. We derive the optimal investment portfolio for a bank with constant absolute risk aversion (CARA) preferences and then the capital adequacy ratio process of the bank is derived, conditional on the optimal policy chosen.
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Martinez, Michaël. "Le train de vie en droit privé." Thesis, Bordeaux, 2016. http://www.theses.fr/2016BORD0195.
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Locution issue du langage courant, le « train de vie » a été importée dans la sphère juridique dès la fin des années 1930 pour lutter contre la fraude fiscale. Depuis les années 1960 et surtout 2000 elle est utilisée dans toutes les branches du droit privé. Elle n’a pourtant reçu aucune définition. Partant de ce constat, la première partie de cette thèse s’intéresse au contenu juridique de la notion de train de vie. Elle y est définie comme la jouissance, à titre habituel d’une certaine quantité de biens et de services, caractérisant à la fois un niveau de vie et une habitude de vie. Il ressort de cette définition que tant les biens que les services peuvent être le support du train de vie, que cette notion s’apprécie en jouissance et non en propriété et qu’une condition de durée doit être remplie. La seconde partie de cette thèse s’intéresse aux effets qui sont attachés au train de vie. Il est toujours utilisé en tant que point de référence mais n’est pas toujours invoqué par la même personne. Ainsi, le train de vie peut être soit opposé à son bénéficiaire par un tiers, soit opposé par son bénéficiaire à un tiers. Dans le premier cas, il est un point de référence permettant d’identifier une disproportion, à laquelle sont attachées des conséquences juridiques néfastes pour le bénéficiaire du train de vie. Dans le second cas, il sert de point de référence pour apprécier et traiter une situation de rupture patrimoniale. Caractérisant une situation économique habituelle, le train de vie est doté d’une certaine inertie,qui nécessite qu’il ne soit pas arrêté brutalement. Il est alors de nature à conférer des droits à son bénéficiaire<br>An expression usually found in everyday language, the « train de vie », or standard of living, wasbrought into the legal sphere as early as the late 1930’s in a bid to fight fiscal fraud. Since the 1960’s, and evenmore so since the 2000’s, it is found in all branches of private law. It has, however, never been defined.Therefore, the first part of this thesis looks into the legal content of the idea of « train de vie ». It is definedhere as the enjoyment of a certain quantity of goods and services that has come to be the habitual, markingboth a standard of living and a life habit. This definition of the expression leads to the conclusion that as goodsand services can support of the « train de vie », this is a notion that is to be assessed in enjoyment and not inpropriety, and that a condition of length of time is to be fulfilled. The second part of this thesis focuses on theeffects attached to the « train de vie ». It is still used as a reference point but not always invoked by the sameperson. Therefore, the “train de vie” can either be set against it’s beneficiary by a third party, or by it’sbeneficiary against a third party. In the first case, it becomes a point of reference allowing to identify a lack ofproportion, unto which are attached legal consequences unfavorable to the beneficiary of the « train de vie ».In the second case, it serves as a point of reference to asses and deal with a situation of a patrimonial break.Charaterizing a habitual economic situation, le “train de vie” is endowed with a measure of inertia, whichrequires that it not by stopped suddenly. It is thusfore of a nature to create rights for it’s beneficiary
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Daly, Marwa El. "Challenges and potentials of channeling local philanthropy towards development and aocial justice and the role of waqf (Islamic and Arab-civic endowments) in building community foundations." Doctoral thesis, Humboldt-Universität zu Berlin, Philosophische Fakultät III, 2012. http://dx.doi.org/10.18452/16511.
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Diese Arbeit bietet eine solide theoretische Grundlage zu Philanthropie und religiös motivierten Spendenaktivitäten und deren Einfluss auf Wohltätigkeitstrends, Entwicklungszusammenarbeit und einer auf dem Gedanken der sozialen Gerechtigkeit beruhenden Philanthropie. Untersucht werden dafür die Strukturen religiös motivierte Spenden, für die in der islamischen Tradition die Begriffe „zakat“, „Waqf“ oder im Plural auch „awqaf-“ oder „Sadaqa“ verwendet werden, der christliche Begriff dafür lautet „tithes“ oder „ushour“. Aufbauend auf diesem theoretischen Rahmenwerk analysiert die qualitative und quantitative Feldstudie auf nationaler Ebene, wie die ägyptische Öffentlichkeit Philanthropie, soziale Gerechtigkeit, Menschenrechte, Spenden, Freiwilligenarbeit und andere Konzepte des zivilgesellschaftlichen Engagements wahrnimmt. Um eine umfassende und repräsentative Datengrundlage zu erhalten, wurden 2000 Haushalte, 200 zivilgesellschaftliche Organisationen erfasst, sowie Spender, Empfänger, religiöse Wohltäter und andere Akteure interviewt. Die so gewonnen Erkenntnisse lassen aussagekräftige Aufschlüsse über philanthropische Trends zu. Erstmals wird so auch eine finanzielle Einschätzung und Bewertung der Aktivitäten im lokalen Wohltätigkeitsbereich möglich, die sich auf mehr als eine Billion US-Dollar beziffern lassen. Die Erhebung weist nach, dass gemessen an den Pro-Kopf-Aufwendungen die privaten Spendenaktivitäten weitaus wichtiger sind als auswärtige wirtschaftliche Hilfe für Ägypten. Das wiederum lässt Rückschlüsse zu, welche Bedeutung lokale Wohltätigkeit erlangen kann, wenn sie richtig gesteuert wird und nicht wie bislang oft im Teufelskreis von ad-hoc-Spenden oder Hilfen von Privatperson an Privatperson gefangen ist. Die Studie stellt außerdem eine Verbindung her zwischen lokalen Wohltätigkeits-Mechanismen, die meist auf religiösen und kulturellen Werten beruhen, und modernen Strukturen, wie etwa Gemeinde-Stiftungen oder Gemeinde-„waqf“, innerhalb derer die Spenden eine nachhaltige Veränderung bewirken können. Daher bietet diese Arbeit also eine umfassende wissenschaftliche Grundlage, die nicht nur ein besseres Verständnis, sondern auch den nachhaltiger Aus- und Aufbau lokaler Wohltätigkeitsstrukturen in Ägypten ermöglicht. Zentral ist dabei vor allem die Rolle lokaler, individueller Spenden, die beispielsweise für Stiftungen auf der Gemeindeebene eingesetzt, wesentlich zu einer nachhaltigen Entwicklung beitragen könnten – und das nicht nur in Ägypten, sondern in der gesamten arabischen Region. Als konkretes Ergebnis dieser Arbeit, wurde ein innovatives Modell entwickelt, dass neben den wissenschaftlichen Daten das Konzept der „waqf“ berücksichtigt. Der Wissenschaftlerin und einem engagierten Vorstand ist es auf dieser Grundlage gelungen, die Waqfeyat al Maadi Community Foundation (WMCF) zu gründen, die nicht nur ein Modell für eine Bürgerstiftung ist, sondern auch das tradierte Konzept der „waqf“ als praktikable und verbürgte Wohlstätigkeitsstruktur sinnvoll weiterentwickelt.<br>This work provides a solid theoretical base on philanthropy, religious giving (Islamic zakat, ‘ushour, Waqf -plural: awqaf-, Sadaqa and Christian tithes or ‘ushour), and their implications on giving trends, development work, social justice philanthropy. The field study (quantitative and qualitative) that supports the theoretical framework reflects at a national level the Egyptian public’s perceptions on philanthropy, social justice, human rights, giving and volunteering and other concepts that determine the peoples’ civic engagement. The statistics cover 2000 households, 200 Civil Society Organizations distributed all over Egypt and interviews donors, recipients, religious people and other stakeholders. The numbers reflect philanthropic trends and for the first time provide a monetary estimate of local philanthropy of over USD 1 Billion annually. The survey proves that the per capita share of philanthropy outweighs the per capita share of foreign economic assistance to Egypt, which implies the significance of local giving if properly channeled, and not as it is actually consumed in the vicious circle of ad-hoc, person to person charity. In addition, the study relates local giving mechanisms derived from religion and culture to modern actual structures, like community foundations or community waqf that could bring about sustainable change in the communities. In sum, the work provides a comprehensive scientific base to help understand- and build on local philanthropy in Egypt. It explores the role that local individual giving could play in achieving sustainable development and building a new wave of community foundations not only in Egypt but in the Arab region at large. As a tangible result of this thesis, an innovative model that revives the concept of waqf and builds on the study’s results was created by the researcher and a dedicated board of trustees who succeeded in establishing Waqfeyat al Maadi Community Foundation (WMCF) that not only introduces the community foundation model to Egypt, but revives and modernizes the waqf as a practical authentic philanthropic structure.
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Yeh, Ya-Ci, and 葉雅琪. "Discussion on bad spending habits and preferences of consumers-Take the bubble tea for example." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/pm94b3.
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碩士<br>國立中正大學<br>企業管理系研究所<br>104<br>In recent years, There are much serious problem of Tea Scandal and Food Scandal in Taiwan. However, consumers who like handshake beverage have got into the habit of drinking it. The research takes bubble tea for example, discussing opinion to dishonest vendor and tainted food of consumer. The research focuses to (1)From vendor (2)From product, discussing the phenomenon of adverse consumer habits and preferences.
The research use semi-structured interviews of depth interviews to collect information on respondents. Sampling method adopts purposive sampling. According to the research purposes, extracted for research to provide the maximum amount of the object of study, a total of five respondents conducted in-depth interviews with about 30 minutes.
According to the thematic analysis, sorting out the following five parts:
(A) The consumer links to hand-tea: hand selection factors, motivation to buy hand tea tea brand.
(B) The perception of unhealthy products: hand health tea elements, supporting causes of unhealthy products.
(C) The unscrupulous business perception: poisonous tea known of storm events, ideas to unscrupulous companies.
(D) Present and consumer response and handling: storm the moment continue to drink tea in hand cause, the brand promotion ideas, turmoil continued to cause of rites and drinking tea.
(E) Are used to correct: give up tea in hand the impeding factors of motivation, rings hand tea.
Finally, according to the study, some suggestions: (1) to people who want to ring hand-tea and (2) to hand tea addict family and (3) recommendations to the affected hand tea drinker (4) recommendations for future research.
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Sanchez, Magaly Torres. "The immigrant as an adolescent consumer." Thesis, 2011. http://hdl.handle.net/2152/ETD-UT-2011-05-3507.
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This report examines the role of Latino consumers, specifically looking at Mexican-Americans and their first generation experiences. It looks at how these experiences influence their consumption patterns. While observing the idea that first generation Latinos are much like ‘adolescent consumers’, a concept stemming from the idea that much like teenagers Latino immigrants are in a sense coming of age in this country. They are under a whole different set of social norms, cultural expectations and values different from their country of origin. This report proposes a reconsideration of the heuristics that marketers hold for Latino consumer spending habits. It maintains the idea that Latino consumer behaviors should be attributed and conceptualized as a process of maturation, not just based on culture and class. Lastly it re-examines the Customer Based Brand Equity model and places it in the context of the Latino consumer while keeping in mind the above framework about Latinos as adolescent consumers.<br>text
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Tsao, Ching-Tien, and 曹清田. "Research on Taiwan's parasite singles clothing spending habit and perspective." Thesis, 2005. http://ndltd.ncl.edu.tw/handle/94603859808002241097.
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碩士<br>輔仁大學<br>織品服裝學系<br>93<br>In recent decades, the gradual increasing cases of parasite singles in the Japanese society have induced several unfavorable phenomenons. It has been suggested that conspicuous consumption, impulse buying of brand clothing are just some of the superficial risks that in turn leads to societal problems, such as low marriage rate and birth rate for young couples. However, it is believed that similar trends has also been observed within the Taiwanese society, which, becomes an interesting issue to explore as the geological and cultural differences of these two countries are situated far apart from each other. Hence, any proposed differences of “parasite singles”in both societies are worth to be mentioned.
The aim of this research project is to investigate the rise and development of the so called “parasite singles”in the Taiwan society. The project also examines any direct or indirect connections between the development of this phenomeon and several different factors, such as the increase in spending money for brand clothing when living with their own parent. All these will be gathered from parasitic individual's perspective.
In this research, qualitative methods have been applied within the experiment
to discuss with individual cases. In order to minimize any possible influential effects from other factors, these eight specific cases are to be interrelate with any preceding cases in previously conducted experiments. From the above, a total of nine perspective issues can be focused upon and these include “Living with parent”, “Family responsibility”, “Personal value towards living standard”, “Marriage and birth rate”, “Working VS Spending”, “Personal Finance”, “Spending habit – Credit card”, “Spending habit on personal clothing”and issues on “Personal experience and opinion on brand clothing”. From the above issues, a clearer insight can then justified through analysis on whether IF there is any known interconnections between the spending habit of brand clothing with the rise of an interesting phenomenon in society, the parasite singles.
From the above detailed design and analysis of this research, it is believed that
the result gathered through these nine perspectives will allow valuable information for marketers within the clothing industry. Furthermore, the result will also be taken to serve as a warning sign on the increasing cases of parasite singles, which, is believed to be a strong contributing factor in the rise of brand clothing spending. The cultural issues will also be taking into account as no matter of their origin, parasite singles has their own unique identity, which, is worth while to be noted.
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蕭瑀婕. "Everyday Aesthetics and Consumer Spending Habit of Fashion Market in Taiwan: A Case Study of Campo Living Art Festival." Thesis, 2007. http://ndltd.ncl.edu.tw/handle/11297345931399773062.
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碩士<br>國立臺灣師範大學<br>藝術研究所<br>95<br>Abstract
Under the influence of post-modernism, the general public in today’s Taiwan society has gradually accepted art as part of their daily life, no longer as a recluse hiding in its self-contained realm. Beyond acceptance, people have begun to develop taste for art, and their taste has evolved toward diversity and nonconformity. This integration also encouraged the birth of the fashion market. Being the uprising star on the art horizon, this new art culture promotes entrepreneurship in young artists, causes shift in consumer spending habits, and provides a fresh environment for gathering and exchange of ideas among creative communities.
The objective of this research is to comprehend the growth process of the fashion market, to characterize its essence and to analyze the impact of its participants’ activities on everyday aesthetics from the perspective of visual culture and art education. In addition, this research will examine the metamorphosis of art creation and expression in the post-modern society. After the pilot study, three types of approaches—interview, observation and document analysis—helped selecting the subjects: organizers, artists and consumers in the Campo Living Art Festival.
Literature review and data analysis of the one-year long research led to the following conclusions. First of all, even though the background of the Campo participants diversifies, shared interests and beliefs summon this special congregation where minority has the right to be heard. Secondly, Campo Living Art Festival makes a unique attraction in the rowdy city as an aesthetic tribe hosting creative communities. Furthermore, the constant producer-consumer interaction in the festival gives artists strong confidence in continuation of their work. Last, the festival itself, its participating artists, displayed artworks, attending viewers, and exhibition format represent transition and transformation of modern art from the traditional counterpart.
In the end, this research concludes in comments and suggestions for the fashion market organizers, creative communities, art education and future researches.
Books on the topic "Spending habits"
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Capretta, James C. Improving congressional spending habits. Hudson Institute, 2008.
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Cook, Annabel Kirschner. The evolution of Japanese food spending patterns, 1963-1984. IMPACT Center, College of Agriculture & Home Economics, Washington State University, 1988.
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Coburn, Tom A. Oklahoma waste report: Exposing Washington's wasteful spending habits in our own backyard. [Sen. Tom Coburn], 2012.
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Erway, Cathy. The art of eating in: How I learned to stop spending and love the stove. Gotham Books, 2010.
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Erway, Cathy. The art of eating in: How I learned to stop spending and love the stove. Gotham Books, 2010.
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Foundation, Public Agenda, ed. The Public debt: Breaking the habit of deficit spending. [s.n.], 1988.
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Cavallo, Polly. Financial Fast: Break Bad Spending Habits. Independently Published, 2022.
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Chase, Jennifer K. Stop Spending!: 24 Little Tools to Help Stop Your Big Spending Habits. CreateSpace Independent Publishing Platform, 2017.
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note, Expense. Expense Journal: Daily Money Spending Log Book and Planner to Control Your Spending Habits. Independently Published, 2021.
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Soukup, Ruth. Develop Good Habits: Living Well, Spending Less, Session 3. Zondervan, 2015.
Find full textBook chapters on the topic "Spending habits"
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Chaouche, Sabine. "The Formation of Spending Habits." In Student Consumer Culture in Nineteenth-Century Oxford. Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-46387-8_5.
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Ab Manaf, Norhayati, Ramle Abdullah, Jumadil Saputra, and Nurul Faezah Noor Azizan. "Spending Habits of the Orang Asli in Kampung Sungai Berua, Hulu Terengganu, Malaysia." In Resource Use and Sustainability of Orang Asli. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-64961-6_4.
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Jafri, Manaar, Samriddhi Nagdev, Arundhati Guha Thakurta, and Sajana Ali. "Inculcating a Behaviour Change Among Impulsive Online Shoppers: Adapting to Mindful Spending Habits." In Lecture Notes in Mechanical Engineering. Springer Nature Singapore, 2025. https://doi.org/10.1007/978-981-97-7150-9_30.
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Balay-Karperien, Audrey, Norman J. Temple, and Joel Lexchin. "The marketing of drugs: how drug companies manipulate the prescribing habits of doctors." In Excessive Medical Spending. CRC Press, 2018. http://dx.doi.org/10.1201/9781315378763-5.
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"Demographics, Economy, Spending Habits, and Purchasing Power." In India by Design: The Pursuit of Luxury & Fashion. John Wiley & Sons, Inc., 2015. http://dx.doi.org/10.1002/9781119199724.ch3.
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"Theories of Saving and Spending Habits over the Life Course." In Encyclopedia of Gerontology and Population Aging. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-22009-9_302406.
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Ms. Assistant Professor Reenu Yadav. "THE INFLUENCE OF BEHAVIORAL ECONOMIC ON CONSUMER SPENDING HABITS IN MUMBAI." In UNIFIED VISIONS: COLLABORATIVE PATHS IN MULTIDISCIPLINARY RESEARCH, VOLUME-2. SCRIBE AND SCROLL PUBLISHING, 2020. https://doi.org/10.25215/8198189815.38.
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Stein, Michael. "Self." In Broke. University of North Carolina Press, 2020. http://dx.doi.org/10.5149/northcarolina/9781469661148.003.0005.
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The 38 stories in this section deal with how the patients see or define themselves. Many relate that they do not think of themselves as “poor.” Topics include problems with paying for car repairs, allowances, other people’s spending habits or salaries, money owed, domestic violence, and desires. The facts in this section relate to suicide, as well as food access for children experiencing poverty.
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Yong, Shee Mun. "Shifting of Paradigm in Buying Behaviour of Digital Natives." In Digital Natives as a Disruptive Force in Asian Businesses and Societies. IGI Global, 2023. http://dx.doi.org/10.4018/978-1-6684-6782-4.ch003.
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Digital natives are Millennials and Gen Zs who grew up under the ubiquitous influence of the internet and digital technologies. As these generations come of age, they represent the largest group of consumers with spending power on the rise, commanding $360 billion in disposable income, and are expected to take the lead in global market growth on online retail sales. As that figure increases, it raises a question in the business community on ways to market to these digital natives as their spending habits differ drastically from the previous generations. The focus of this chapter is to undertake a more in-depth study on the predictors of their buying behaviour and the relationship between the predictors and their determinants.
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Rai, Vinay, Aditi Mishra, and Nitin Mishra. "Haemorrhoids." In Appendix, Colon, and Rectum. Oxford University PressOxford, 2024. http://dx.doi.org/10.1093/med/9780192863584.003.0004.
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Abstract Symptomatic haemorrhoids are common but their true prevalence is difficult to establish. As many anorectal complaints are attributed to haemorrhoids, it is important to rule out malignancy by a detailed history, examination, and endoscopy as indicated. Constipation, poor defaecatory habits such straining and spending a long time on the commode contribute to development of symptomatic haemorrhoids. Most patients with symptoms can be managed by changing their dietary and defaecation habits. As a rule, one should initially manage symptomatic haemorrhoids with non-operative treatment including dietary modification and rubber-band ligation etc. In severe cases, haemorrhoidectomy should be considered. Complications are rare, but patients should be appropriately counselled regarding its complications and severe postoperative pain.
Conference papers on the topic "Spending habits"
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Coman, Ecaterina, and Radu Tudorica. "LEAN SOLUTIONS IN CASE MANAGEMENT IN SOCIAL WORK." In 11th SWS International Scientific Conferences on SOCIAL SCIENCES - ISCSS 2024. SGEM WORLD SCIENCE, 2024. https://doi.org/10.35603/sws.iscss.2024/s07/42.
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The transition to the market economy and the recalibration of budgets, financial independency and the transfer of responsibility to the local level in the management of social work budgets have caused concerns for the rational spending of money intended for these activities. We are still very far from managing these budgets fairly and efficiently, but the direction is very clear: the money will be little and must be used efficiently. The health and economic crisis that followed should lead to efficiency in the first phase and then to effectiveness and sustainability in the second. This requires a series of abrupt changes, which are difficult to achieve, both due to factors internal and external to the institutions. Their organization, the very high level of bureaucracy, poor staff performance, corruption and political interference in the administration turned good intentions into bad habits and inefficiency. Social services lack the contents and strategies to achieve quality, the elements that determine whether a service is considered quality or not are missing. There are control institutions, but they are ineffective because they cannot enforce quality assurance. They don�t have tools and don�t understand how to get results. The aim of this paper is to explore the deficiencies in social care case management, highlighting how these issues diminish the effectiveness of services and the well-being of beneficiaries. To achieve the purpose of the article, three focus groups were conducted with social case managers. The research underscores the importance of high-quality case management, which encompasses timeliness, effectiveness, client-centeredness, safety, and equity. The study also examines the potential of Lean management principles to improve efficiency in social work by eliminating waste and focusing on value creation. The barriers that stand between case management service providers and their beneficiaries identified in this research cand by removed by setting quality targets, organizing employees according to modern human resources system models, and institutional reorganization. The control of the variation of the processes cannot be done with a management based on functions, where the decisions, approvals, allocation of resources �walk� from one department to another, reaching that in the end, the beneficiary receives mediocre solutions or solutions that cost a lot. The current yield is negative, the institutions consuming huge resources to obtain results without much value. Our approach may not bring about the immediate changes we desire in this field, but it lays the groundwork for viable long-term solutions that can enhance the quality of services and improve the performance of social welfare institutions in the future.
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Sahu, Disha. "SWIPE, SHOP, REPEAT: “YOUTH SPENDING HABITS IN THE DIGITAL ERA”." In ransforming Knowledge: A Multidisciplinary Research on Integrative Learning Across Disciplines. The Bhopal School of Social Sciences, 2025. https://doi.org/10.51767/ic250209.
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Online Marketing is quickly evolving in front of our eyes, and it is almost impossible to reject and hide from this new form of media. “This shift in consumer influence indicates a need and an opportunity for companies to reprioritize the mix of communication channels they use to reach their consumers”. This study on the impact of online marketing among youth where a structured questionnaire was designed and circulated among young respondents to gather primary data of 60 responses. The responses collected were analyzed to identify trends, preferences, and the overall influence of online marketing. As we see in today's era consumers like to stay updated with the latest trends, mostly they believe in the reviews and feedback of other customers and make a purchase. Where they also believe that it is much safer than before.
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Gupta, Shubh. "IMPACT OF BNPL(BUY NOW, PAY LATER) ON CONSUMER SPENDING HABITS." In Transforming Knowledge: A Multidisciplinary Research on Integrative Learning Across Disciplines. The Bhopal School of Social Sciences, 2025. https://doi.org/10.51767/ic250109.
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Consumer financing has been transformed by Buy Now, Pay Later (BNPL), which enables customers to make purchases immediately and postpone payments over time. The impact of BNPL on consumer spending patterns, financial behaviour, and economic ramifications are the main topics of this study. Using primary data from 364 respondents and I-square analysis and hypothesis testing, the study seeks to determine whether BNPL causes financial mismanagement and higher spending. The results show how BNPL can boost purchasing power and propel e-commerce growth, but they also raise worries about growing debt levels and gaps in financial awareness.
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Salasan, Cosmin, Carmen Simona Dumitrescu, Cosmina Toader, Cristian Gaina, and Raul Pascalau. "THE RELATION BETWEEN THE FOOD EXPENDITURE AND THE RELATIVE POVERTY IN ROMANIA." In 12. JEEP INTERNATIONAL SCIENTIFIC AGRIBUSINESS CONFERENCE, MAK 2025 – KOPAONIK. Association science and business center WORLD; Institute for plant protection and environmen, 2025. https://doi.org/10.46793/mak2025.049s.
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This research aims to look at how the percentage of money spent on food relates to total household spending as a sign of poverty in Romania. It focuses on the important question of how high food prices affect financial stability and living conditions. To evaluate this connection and its effects on measuring poverty, data on household income, spending habits, and differences in prices across regions is necessary. This paper looks at how food spending relates to total household spending as a way to indicate poverty in Romania. It shows how high food costs can impact financial stability and living standards. The study uses data about household income, spending habits, and different regional prices. It finds that households spending a larger share on food generally have lower overall expenditures, meaning they are more likely to experience poverty. The results suggest that when a big part of a household budget goes to food, it points to financial struggles and may also lead to worse health outcomes. This is because tight budgets limit access to essential healthcare and nutritious food. Furthermore, this research adds to the conversation about how to measure poverty by arguing that food spending ratios can help identify populations at risk, which can help shape public policy and social programs aimed at bettering health equity in Romania. In conclusion, the study highlights the need for policymakers to pay attention to food spending patterns when assessing poverty, pointing out how economic issues and health inequalities are connected. This could help create better strategies for improving the well-being of vulnerable groups in Romania.
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Jain, Dr Neetu, and Deepmala Lakra. "ASTUDY ON THE ONLINE SHOPPING HABITS AMONG DIFFERENT AGE GROUPS." In Transforming Knowledge: A Multidisciplinary Research on Integrative Learning Across Disciplines. The Bhopal School of Social Sciences, 2025. https://doi.org/10.51767/ic250113.
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The study analyses online shopping patterns among different age groups in Bhopal, focusing on demographics, preferences, motivations, concerns, and cybersecurity awareness. It examines shopping frequency, product choices, preferred platforms, spending habits, and payment methods. The research explores the influence of social media, digital marketing, and advertisements on consumer behaviour. Additionally, it also assesses customer satisfaction, cybersecurity awareness, and challenges faced while shopping online. The findings aim to understand consumer behaviour of different age groups and provide insights for policymakers and marketers to enhance e-commerce strategies, improve customer experiences, and develop targeted marketing approaches.
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Jain, Nisha, and Aarti Sehgal. "Statistical Decision Making of Spending and Savings Habits among Students of Delhi NCR Region." In Proceedings of the International Conference on Application of AI and Statistical Decision Making for the Business World, ICASDMBW 2022, 16-17 December 2022, Rukmini Devi Institute of Advanced Studies, Delhi, India. EAI, 2023. http://dx.doi.org/10.4108/eai.16-12-2022.2326192.
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Li, Yanling, and Weston L. Baxter. "Proposing a Design for Tangibility Framework: A Digital Payments Case Study." In ASME 2019 International Design Engineering Technical Conferences and Computers and Information in Engineering Conference. American Society of Mechanical Engineers, 2019. http://dx.doi.org/10.1115/detc2019-97873.
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Abstract This research proposes a framework for designing tangibility into abstract interactions such as managing financial resources, health concerns and environmental impacts. A case study of the tangibility within cashless payments is presented, which adopted this framework to design, fabricate and test a tangible interaction in digital transactions. Digital transactions can significantly influence a consumer’s spending habits and decisions, commonly leading to increased expenditure compared to cash transactions. Several psychological mechanisms which influence conscientious spending due to differing payment methods were analyzed and employed to design a prototype incorporating a tangible interaction that is relevant to the consumer’s spending process. It is proposed that re-introducing tangibility into the payment process can increase one’s psychological ownership over their financial resources and purchased item, as well as the aversion towards paying. Results from the experiments show that the interaction enhances psychological ownership over digital currency but remain inconclusive on behavior change. The broader implications of enhancing tangibility for intangible objects is discussed.
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Moreno, Donn Enrique, Sheane Nicole Matias, Ma Bernice Bernales, Mark Laurens Corales, Jean Claude Corpuz, and Jaeron Carl Panzo. "The Impact of Mobile-Commerce Application Characteristics on Customer's Perceived Experience and Spending Habits in the Philippines." In ICEBI 2023: 2023 7th International Conference on E-Business and Internet. ACM, 2023. http://dx.doi.org/10.1145/3633586.3633591.
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Arcan, Kuntay. "COMPULSIVE BUYING AND RELATED MOTIVES: ENHANCEMENT AND COPING." In International Psychological Applications Conference and Trends. inScience Press, 2021. http://dx.doi.org/10.36315/2021inpact019.
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"Background: Research indicates that compulsive buying that refers to chronic, excessive shopping and expenditure isn’t rare, especially among the young people. However, related studies are limited. More research is required to advance our understanding about the phenomenon and to improve prevention and treatment strategies. Objectives: This study especially aimed to investigate the role of shopping motives for compulsive buying. For this purpose, coping and enhancement motives that were originally developed to assess drinking reasons were adapted for shopping. Examining the relationships of compulsive buying with demographics, spending frequency of different products, positive and negative affect were also other objectives of the study. Methods: The sample was composed of 362 voluntary university students selected through convenience sampling in Turkey. Majority of the participants were females (77.9%). The mean age was 21.91 (SD = 3.11). Participants rated the frequency of shopping motives for each of the 5 enhancement items (e.g. to get high, because it’s fun) and the 5 coping items (e.g. to forget worries, to relax) on 4 point Likert-scale (1: almost never, 4: almost always). Compulsive Buying Scale, Positive and Negative Affect Schedule were also utilized as standard measurement instruments. The participants rated their spending frequency on different products such as cosmetics, clothes, technological products, or furniture on a 1 to 4 scale (1: almost never, 4: almost always). Findings: According to the results of the hierarchical multiple regression analysis being female, having younger age and lower GPA (1st step) in addition to higher personal income (2nd step), spending frequently for cosmetics, shoes and clothes (3rd step), having higher negative affect (4th step) were found to be associated with compulsive buying scores. Moreover, both enhancement and coping motives that were entered into the regression equation in the last step (5th step), also predicted the participants’ compulsive buying scores. The total explained variance was 58.2%. Conclusions: The findings of this study are important to indicate the possible risk factors for compulsive buying including age, gender, income, spending habits, and negative affect. Moreover, the results reveal that buying something in order to enhance positive affect and to avoid negative feelings can be prominent determinants of compulsive buying. Research from non-Western countries such as the present study are essentially important to highlight the associates of compulsive buying across cultures since majority of the relevant literature derive from studies conducted with Western participants."
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Godre, Atishay, Alexander Nikolaev, and Rahul Rai. "An Energy Consumption Rewards System to Incentivize Environmentally Conscious Social Behavior." In ASME 2013 International Mechanical Engineering Congress and Exposition. American Society of Mechanical Engineers, 2013. http://dx.doi.org/10.1115/imece2013-63927.
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This paper outlines an idea of creatively incentivizing home-owners to conserve electricity through a socially competitive lottery-based rewards system. The core idea of this work is in leveraging the power of social network influence to make consumers participate and compete in a lottery so that the resulting engagement consistently enhances the population’s energy spending awareness. The potential value of such a system in generating energy and monetary savings/revenue is investigated via simulation of social influence processes in an agent based simulation framework. The study encompasses three analysis cases: a lottery system with no communication between consumers, a system with the added social influence, and a “fall-back” scenario where people may return to their old habits of not conserving electricity while still communicating among themselves. To model these analysis cases, a standard independent cascade model is employed with influence success thresholds varied between 1% and 10%. The paper concludes by summarizing the simulation results. Pertinent aspects such as generation of lottery prize money, and expected impact on energy savings is also discussed.
Reports on the topic "Spending habits"
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Duffield, John, and Chris Neher. Incorporating wildlife passive use values in collision mitigation benefit-cost calculations. Nevada Department of Transportation, 2019. http://dx.doi.org/10.15788/ndot2019.09.
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This document is a task report for a larger Wildlife Vehicle Collision (WVC) Reduction and Habitat Connectivity pooled fund study. It addresses the potential use of passive use economic values for wildlife to inform the mitigation of wildlife-vehicle collisions. Passive use, also known as non-use values, are the values individuals place on the existence of a given animal species or population as well as the bequest value of knowing that future generations will also benefit from preserving the species. This report provides a summary of the current literature of wildlife passive use value estimates and provides per-animal passive use values for selected species and populations. Additionally, an example of applying these values to a Montana road segment is outlined. Finally, a discussion of regional economic impacts of mitigation structure spending is outlined.
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Taylor, Bea, Heather Wardle, and Isabel Taylor. Exploring the problem gambling health-harm paradox. Greo Evidence Insights, 2022. https://doi.org/10.33684/2024.002.
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Purpose: Previous research by NatCen identified a potential health-harm paradox for mental wellbeing and gambling, finding that those with poor mental wellbeing or a diagnosed mental health condition were more likely to experience problem gambling despite being less likely to gamble at all. This report aimed to explore this further, testing three specific hypothesis which could account for this association: 1. That people with poorer mental wellbeing who gamble do so more frequently and it is this increased frequency of gambling that drives elevated rates of gambling severity. 2. That people with poorer mental wellbeing who gamble generally take part in higher risk health behaviours (e.g., higher-risk alcohol consumption; cigarette smoking) and this drives the association. 3. That people with poorer mental wellbeing who gamble are more likely to take part in specific types of gambling that are associated with higher rates of harms. This report explores these potential mechanisms, using data collected in recent Health surveys across England and Scotland. Methodology: Data from the 2015-2017 Scottish Health Survey and the 2015, 2016 & 2018 Health Survey for England were combined, and bivariate analysis was conducted first to confirm that the relationships between mental health, moderate risk/problem gambling and gambling patterns did not vary significantly between survey years. With this established, binary logistic regressions using the combined data from both the Scottish and English Health Survey series were employed to investigate explanatory factors of the association between mental health and experiences of moderaterisk/problem gambling. These include gambling and other health-related factors. These were first conducted on the full sample, and then separate models were estimated for men and women to provide further insights by gender. Measures: For the exposure variable, three different established measures of mental health were used: doctor diagnosis of a mental health condition, the Warwick-Edinburgh Mental Wellbeing Scale (WEMWBS; a score of 40 or below indicating probable depression) and the General Health Questionnaire (GHQ-12; a score of 4 or more indicating significant mental distress). The outcome variable of moderate risk/problem gambling was measured by the Canadian Problem Gambling Index’s Problem Gambling Severity Index (PGSI), while gambling activities and frequency were derived from multiple questions in the combined surveys. The PGSI is a measure of the riskiness of a person’s gambling habits. Someone identified as a moderate risk gambler experiences a moderate level of problems with their gambling which can lead to some negative consequences. These might be spending more than they can afford, losing track of time while gambling, or feeling guilty about how much they gamble. A person identified as a problem gambler in the PGSI score will also face negative consequences from their gambling, as well as a possible loss of control. Control variables included socio-demographic characteristics and alcohol and cigarette consumption. Results: Our results confirm previous findings that people with poor mental wellbeing or a diagnosed mental health condition were significantly more likely to experience moderate risk or problem gambling despite being less likely to gamble at all. For example, 50% of those experiencing significant mental distress gambled in the past year compared with 54% of those not experiencing significant mental distress, yet rates of experiencing moderate risk/problem gambling respectively were 2.4% and 1.2%. Logistic regression models showed that the associations between moderate risk and problem gambling and both ‘mental distress’ (measured in the GHQ) and ‘probable depression’ (the WEMWBS) were not fully accounted for by differences in gambling frequency, gambling activity or engagement in other risky health behaviours. Thus, these alternative explanations for the association between mental wellbeing and moderate risk or problem gambling was not supported by any of the three hypotheses tested. In the fully adjusted models, controlling for all these alternative explanations, the odds ratio of moderate risk/problem gambling were 1.86 times higher among those with probable depression and 2.56 times higher among those with significant mental distress. This relationship is not explained by those with poor mental wellbeing who gamble participating in gambling more often, engaging in higher-risk health behaviours or in specific types of gambling activity. However, when looking at doctor-diagnosed mental health conditions and moderate risk or problem gambling, only one hypothesis was rejected – that increased gambling frequency could explain this association. When cigarette smoking and high-risk alcohol consumption were controlled for, and when engagement in specific gambling activities were taken into account, there was no evidence of an association between doctor-diagnosed mental health conditions and moderate risk/problem gambling Finally, gender-stratified analysis revealed that for men with poor mental wellbeing or a diagnosed mental health condition had a similar relationship to moderate risk/problem gambling as the whole population. For women, the study was underpowered to look at this in detail. Implications: Findings from this research suggest that the relationship between poor mental wellbeing and moderate risk/problem gambling is not driven by differences in gambling or other high-risk health behaviour, particularly amongst people experiencing anxiety or depression. The association between poor mental wellbeing and experiences of moderate risk and problem gambling in this data persists when these behaviours are taken into account, though the direction of any causal (or potentially reciprocal) relationship has not been established in this cross-sectional data. Although other factors not measured in study may explain this relationship, it is concerning that people with poor mental wellbeing are more likely to experience gambling harms, despite lower levels of gambling engagement. Therefore, gambling should be embedded within broader strategies for improving mental health (for example, as a risk factor for poor mental wellbeing; for suicidality etc.) and should be considered as both a potential cause and consequence of moderate risk and problem gambling, to help to identify and address this. It also highlights the need for additional research into the specific doctor-diagnosed mental health conditions that increase the risk of moderate risk/problem gambling, as well as further investigations into the causal pathway between both mental distress and depression and moderate risk/problem gambling.