Journalartikel

Jahr der Veröffentlichung: 2012

Seiten: 602-610

Zeitschrift: International Journal of Consumer Studies

Bandnummer: 36

Heftnummer: 5

ISSN: 1470-6423

DOI Link: https://doi.org/10.1111/j.1470-6431.2012.01127.x

Verlag: Wiley

Abstract: 
The approach described in the present article intends to create a conceptual design for German reference budgets, which can be used for counselling purposes. The introductory presentation of the term reference budget and its significance in general is followed by the explanation of budget management in private households in the microeconomic sense. This determines the requirements on budget counselling and the teaching of financial literacy. Moreover, being the ideal type, these represent the examination criteria applied for the assessment of available reference budgets. By a comparison of existing international approaches, it is then investigated whether and in which form reference budgets are used for counselling in various countries. The information thus obtained will conclusively be used to reflect the previous development process of German reference budgets. Their state of progress can be compared with the ideal type on the one hand and with internationally adopted concepts on the other hand. In conclusion, some requirements that follow from the ideal-type view can already be fulfilled with the German concept of reference budgets. Others can serve as the distant goal towards which the long-term process will be geared.

Harvard-Zitierstil: Preusse, H. (2012) Reference budgets for counselling on how to manage private household finance - requirements and patterns based on international experience, International Journal of Consumer Studies, 36(5), pp. 602-610. https://doi.org/10.1111/j.1470-6431.2012.01127.x

APA-Zitierstil: Preusse, H. (2012). Reference budgets for counselling on how to manage private household finance - requirements and patterns based on international experience. International Journal of Consumer Studies. 36(5), 602-610. https://doi.org/10.1111/j.1470-6431.2012.01127.x