Journal of the Korean Home Economics Association (대한가정학회지)

The Korean Home Economics Association (대한가정학회)
권호 표지

The Expenditure Pattern of the Indebted Overspending Households

적자부채가계의 지출구조 및 유형별 특성

  • Lee, Seong-Lim (Department of Consumer & Family Sciences, Sungkyunkwan University) ;
  • Sung, Young-Ae (Department of Consumer and Child Studies, University of Incheon)
  • 이성림 (성균관대학교 소비자가족학과) ;
  • 성영애 (인천대학교 소비자아동학과)
  • Published : 2007.12.30
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Abstract

The causes of indebted overspending were investigated by examining household expenditure patterns using the data from the 2002 Family Expenditure Survey. The five major expenditure categories were identified by factor analysis, and the six types of indebted overspending were clustered. About 28% of the indebted overspending was done out of necessity, and food, utilities, housing, and health care accounted for about 42% of the household expenditure. Luxury spending accounted for about 25% of the overspending by indebted households who spent about 24% of the household expenditure on clothing, entertainment, and private education. Cars (22%) and education (20%) were found to be other major causes of indebted overspending. Paying off debt and durable purchases were identified as the major causes of indebted overspending, but had a low frequency. Finally, the financial status of the four major types of indebted overspending households was evaluated.

Keywords

References

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