• International Journal of Human Ecology
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• v.1 no.1
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• pp.79-93
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• 2000

Using the 1995 Survey of Consumer Finances, this study investigates how family life-cycle stages and financial management practices affect household saving. First findings are that household income and householders education, race and ethnicity have significant effects on saving. Second, regarding the effect of the family life-cycle stages, younger married couples without children, middle pre-retired households without dependent children, and older households without dependent children are more likely to save than other similar households in the life-cycle stage of younger single households. Third, households with longer financial planning horizons, saving goals for retirement, purchase of durable goods and emergency goods, and low credit card debt are more likely to save. Based on the results, implications for financial management education and public policy are suggested.

• Journal of Families and Better Life
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• v.23 no.6 s.78
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• pp.53-65
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• 2005

The purpose of this study was to investigate the working married women's perception on the effect of work on household economy. The household economy was examined in three aspects; income, assets, and consumption patterns, along with the contribution and the satisfaction of working married women with respect to their income by work Four hundred thirty working married women with the first child of less than middle school were surveyed, with questionnaires from March 25 to April 22 of 2005, and analyzed with descriptive statistics. The results were as follows: the reasons of working married women for work were making an affluent living, showing their ability, wanting for work, and making a living in order. The perceived degree of their income contribution to household income was on the average about $42.53\%$. They perceived the spending in time-saving consumption items, child-rearing consumption items, and personal consumption items to be decreased, if they were not working. Their work was helpful in saving, insurance and investment, debt payment, money for old life, money for housing, money for emergency. About $69\%$ of working married women perceived their income contribution to their household income as being high.

• Journal of Families and Better Life
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• v.20 no.6
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• pp.197-208
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• 2002

The purpose of this study was to investigate the economic lives of single households with the age of 30 through less than 50. The economic life was examined in three aspects; income, assets, and consumption expenditures and patterns. One hundred sixty single households were surveyed, with questionnaires for 15days from April 1 to April 15 of 2002, and analyzed with descriptive statistics. The results were as follows: about 30.8% of total single households in the sample were in the income group of 1,500,000 thought less than 2,000,000 won. The size of income for the 30's was less than that for the 40's. Compared with male single households, female single households were more in both low and high levels of income. The saving rate tended more or less to be low. The more the age, the higher the saving rate. As for debt, the 40's single households, male single households, high school single households (compared to the 30's single households, female single households, university and graduate single households, respectively) were relatively higher. In general, the single households tended to have debts due to preparation for housing, credit over use. The assets tended to be managed by themselves. The economic preparation for the old life was done by banking system rather than insurance. The average monthly living costs was higher in the age of the 40's single than the age of the 30's single. The living costs of the female single households was higher or lower than those of the male single households. As for consumption patterns, there was the most in the expenditure allocation for food away from home, then for culture entertainmentㆍsocial life, and for clothing and shoes. As for the convenience of the consumption life in overall, there were more responses in moderation and inconvenience than in convenience.

• Proceeding of Spring/Autumn Annual Conference of KHA
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• 2011.04a
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• pp.116-120
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• 2011

With population growth and quality of life improvement, household energy use also has increased. Under this circumstances, consumers are increasingly required to seek for efficient ways of energy saving. However, precedent studies have largely overlooked energy consumers' consumption behavior, and particularly little research has been conducted on energy consumption or saving patterns of residents living in apartments, which account for over 50% of the Korean housing market. Therefore, this study examined apartment residents' energy use behavior according to apartment residents' characteristics in order to efficient energy use and management. To this examination, survey was conducted of housewives living in apartments in Busan, and 403 data were analyzed by the SPSS WIN 12.0 program. With respect to their energy behavior according to characteristics of subjects, it was different depending on income, housing size, age, the length of residence, and the education standard. When higher income group and larger housing size group, residents were not doing 'passive saving' and 'comfort oriented.' When younger, they were 'comfort oriented.' When well-educated, they were 'comfort oriented.' Also, with regard to the length of residence, significant difference was found. The results of this study can be utilized as effective guidelines in efficient management, policy making, and education method reflecting energy use behavior of energy users.

• 한국노년학
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• v.36 no.3
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• pp.905-926
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• 2016

Although the concept of the elderly varies depending on scholars and laws, as consumption expenditure is deeply associated with income due to the nature of this study, 55 years old was set as the low limit standard for the elderly according to Prohibition of Discrimination on Age in Employment and Employment Promotion for the Aged Act and the elderly households were limited to single-elderly person household and an elderly couple family household for this study. It is considered consumption characteristics as a significant analysis subject in terms of social welfare because it could be understood as an expressed need which was a reflection of desire. Therefore, the present study aimed to investigate the consumption characteristics of the elderly households by stereotyping the consumption pattern of the elderly households, and find the determining factors for consumption patterns and thus contribute to the establishment of related policies through the expressed needs of the elderly households. K-means of cluster analysis was performed by putting the consumption expenditure of the elderly households to investigate inherent structural type of consumption pattern of the elderly households, which were the investigation subjects. As a result, four groups were stereotyped and named as below: 'health care-centered type', 'saving-centered type', 'livelihood-centered type', and 'food expenses-centered type' Binary Logistic Regression analysis was used to identify the factors that influence the decision of consumption pattern of the elderly households. The result of study showed that the elderly households faced all different needs and problems and thus there is a need for various approach plans to solve this situation. In particular, although the elderly have been viewed as economically poor people so far, the study showed that there were also kind of prepared households through saving. Overall, livelihoodcentered type accounted for the highest portion and, as a factor that influenced this, marital state and household income played an important role. Therefore, it is considered that more active efforts to increase the income of the elderly households are needed. In addition, age, owning of house and subjective health state were found to also have significant influence. Through these results of the study, the elderly's own improvement of awareness on health, presentation of overall standard for health state of the elderly, securement of the elderly's access to cultural life, and financial management coordination for improvement of quality of life, development and dissemination of jobs suitable for the elderly, and dissemination of communal life household, which is a cooperation residential type, were presented as institutional task in the conclusion.

• Proceedings of the Korea Water Resources Association Conference
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• 2008.05a
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• pp.869-877
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• 2008

The purpose of this study is to investigate the trends and patterns of variou kind of water uses in a household by metering in Korea. Water use components are classified by toilet, washbowl, bathing, laundry, kitchen, etc. Flow meters are installed in 146 household selected by sampling in all around Korea. The data are gathered by web-based data collection system from the year 2002 to 2006, considering pre-investigated data such as occupation, revenue, family members, housing types, age, floor area, water saving devices, education, etc. Reliable data are selected by upper fence method for each observed water use component and statistical characteristics are estimated for each residential type to determine liter per capita per day. Estimated domestic per capita day show an indoor water use with the range from $150{\ell}pcd$ to $169{\ell}pcd$ for each housing type as the order of high rise apartment, multi-house, and single house. As the order of consuming amount among water use components, it is investigated that toilet($38.5{\ell}pcd$) is the first, and the second is laundry water($30.8{\ell}pcd$), the third is kitchen($28.4{\ell}pcd$), the fourth is bathtub($24.7{\ell}pcd$), the next is washbowl($15.4{\ell}pcd$). The results are compared with water uses in U.K. and U.S. As life style has been changed into western style, pattern of water use in Korea is tend to be similar with the U.S. water use pattern. Compared with the surveying results by Bradley, on 1985. Thirty liter of total use increased with the advancement of economic level, and a little change of water use pattern can be found. Especially, toilet water take almost half part of total water use and laundry water shows lowest as 11% in surveying at the year of 1985. But, this study shows that 39 liter, 28% of toilet water, has been decreased by the spread of saving devices and campaign. It is supposed that the spread large sized laundry machine make by-hand laundry has been decreased and water use increased. Unit water amount of each end-use in household can be applied to design factor for water and wastewater facilities, and it play a role as information in establishing water demand forecasting and conservation policy.

• KSCE Journal of Civil and Environmental Engineering Research
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• v.28 no.5B
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• pp.595-601
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• 2008

The purpose of this study is to investigate the trends and patterns of various kind of water uses in a household by metering in Korea. Water use components are classified by toilet, washbowl, bathing, laundry, kitchen, miscellaneous. Flow meters are installed in 140 household selected by sampling in all around Korea. The data are gathered by web-based data collection system from the year 2002 to 2006, considering pre-investigated data such as occupation, revenue, family members, housing types, age, floor area, water saving devices, education, miscellaneous. Reliable data are selected by upper fence method for each observed water use component and statistical characteristics are estimated for each residential type to determine liter per capita per day. Estimated domestic per capita day show an indoor water use with the range from 150 lpcd to 169 lpcd for each housing type as the order of high rise apartment, multi-house, and single house. As the order of consuming amount among water use components, it is investigated that toilet (38.5 lpcd) is the first, and the second is laundry water (30.8 lpcd), the third is kitchen (28.4 lpcd), the fourth is bathtub (24.7 lpcd), the next is washbowl (15.4 lpcd). The results are compared with water uses in U.K. and U.S. As life style has been changed into western style, pattern of water use in Korea is tend to be similar with the U.S. water use pattern. Compared with the surveying results by Bradley, on 1985. Thirty liter of total use increased with the advancement of economic level, and a little change of water use pattern can be found. Especially, toilet water take almost half part of total water use and laundry water shows lowest as 11% in surveying at the year of 1985. But, this study shows that 39 liter, 28% of toilet water, has been decreased by the spread of saving devices and campaign. It is supposed that the spread large sized laundry machine make by-hand laundry has been decreased and water use increased. Unit water amount of each end-use in household can be applied to design factor for water and wastewater facilities, and it play a role as information in establishing water demand forecasting and conservation policy.

• KSCE Journal of Civil and Environmental Engineering Research
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• v.28 no.5B
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• pp.603-614
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• 2008

End-uses of household water have been changed by a life style, housing type, weather, water rate and water supply facilities etc. and those variables can be considered as an internal and exogenous factors to estimate long-term demand forecasts. Analysis of influential factors on water consumption in households would give an explanation to cause on the change of trend and would help predicting the water demand of end-use in household. The purpose of this study is to analyze the demand trends and patterns of household water uses by metering and questionnaire such as occupation, revenue, numbers of family member, housing types, age, floor area and installation of water saving device, etc. The peak water uses were shown at Saturday among weekdays and July in a year based on the analysis results of water use pattern. A steep increase of total water volume can be found in the analysis of water demand trend according to temperature from $-14^{\circ}C$ to $0^{\circ}C$, while there are no significant variations in the phase of more than $0^{\circ}C$, with an almost stable demand. Washbowl water shows the highest and toilet water shows the lowest relation with temperature in correlation analysis results. In the results of ANOVA to find the significant difference in each unit water use by exogenous factors such as housing type, occupation, number of generation, residential area and income et al., difference was shown in bathtub water by housing type and shown in kitchen, toilet and miscellaneous water by numbers of resident. Especially, definite differences in components except washbowl and bathtub water, could be found by numbers of resident. Based on the result, average residents in a house should be carefully considered and the results can be applied as reference information, in decision making process for predicting water demand and establishing water conservation policy. It is expected that these can be used as design factors in planning stage for water and wastewater facilities.