Personal finance apps and low‐income households

Material hardship and depression among lowincome households in South Korea: Differences by household type

With the recent trend of growing poverty in South Korea, low-income households, particularly elderlyand singleheaded households, are at high risk of experiencing material hardship and depression. However, less is known about the association between material hardship and depression by household type in Korea. Using data (N = 2,913) from the Korean Welfare Panel Study and employing several method...

Gamblers as Personal Finance Activists

Gambling behavior can serve as an informative indicator of important household heterogeneity that is difficult to observe directly in data. We present, to the best of our knowledge, the first comprehensive study of the consumption and personal finance of gamblers using a nationwide representative household survey. We find that consumers are more likely to gamble when income is higher than its n...

A note on households’ choice of emergency finance

The Art of Spending and Recommendations in Personal Finance

Happiness is one of the most important aspects of human lives, yet the literature on emotional well-being indicates that people often fail to correctly anticipate the hedonic consequences of future events. As a result, individuals end up being not as happy as they thought they would be. This phenomenon also applies to the domain of personal finance where people make bad decisions about purchase...

Essays in Personal Transportation Demand and Consumer Finance

Title of dissertation: ESSAYS IN PERSONAL TRANSPORTATION DEMAND AND CONSUMER FINANCE Jaclyn Evans, Doctor of Philosophy, 2016 Dissertation directed by: Professor Roberton C. Williams, III Department of Agricultural and Resource Economics This dissertation is composed of three essays covering two areas of interest. The first topic is personal transportation demand with a focus on price and fuel ...