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Essays on Consumer Decision Making a...

Dolifka, David Andrew,

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Essays on Consumer Decision Making and Financial Constraint /

Record Type:	Electronic resources : Monograph/item
Title/Author:	Essays on Consumer Decision Making and Financial Constraint // David Andrew Dolifka.
Author:	Dolifka, David Andrew,
Description:	1 electronic resource (284 pages)
Notes:	Source: Dissertations Abstracts International, Volume: 86-09, Section: B.
Contained By:	Dissertations Abstracts International86-09B.
Subject:	Finance. -
Online resource:	https://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=31845014
ISBN:	9798310126213

Essays on Consumer Decision Making and Financial Constraint /
Dolifka, David Andrew,

Essays on Consumer Decision Making and Financial Constraint /David Andrew Dolifka. - 1 electronic resource (284 pages)

Source: Dissertations Abstracts International, Volume: 86-09, Section: B.

Consumers must constrain their spending to ensure they have ample resources for the future. This dissertation explores how consumers perceive, manage, and respond to their financial constraint. Chapter 1 explores consumers' subjective sense of feeling like they have a small or large amount of money. This chapter focuses on the relationship between how money is earned and how it is perceived (and, ultimately, spent). The key findings are that work wellbeing increases the perceived size of a consumer's income. Consequently, consumers with high work wellbeing experience less financial constraint and engage in more discretionary consumption. Chapter 2 asks how consumers decide exactly how much they can spend, based on different presentations of their own financial information. A descriptive survey suggests consumers overwhelmingly think about their constraint in terms of two different financial metrics: either income or balance. We present evidence that consumers do not fully account for the informational differences between income (a flow) and balance (a stock). As a result, attention to either financial metric influences consumers' assessments of current constraint, with the potential to influence spending-and savings-over time. Chapter 3 investigates how consumers establish their own constraint in the context of budgeting. Our core proposition is that the psychology of allocating (i.e., establishing a constraint) is distinct from the psychology of purchasing. Specifically, allocating disproportionately engages evaluations at the category level, making budget allocations especially sensitive to the perceived average value of a category. This can be suboptimal, as budget constraints based on average value can lead to consumption outside of the set implied by the principle of marginal analysis. Taken together, these chapters shed light on the psychology of financial constraint and its broader implications for everyday consumer decisions.

English

ISBN: 9798310126213Subjects--Topical Terms:

542899
Finance.
Subjects--Index Terms:

Work wellbeing

Essays on Consumer Decision Making and Financial Constraint /
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245 1 0 $a Essays on Consumer Decision Making and Financial Constraint / $c David Andrew Dolifka.
264 1 $a Ann Arbor : $b ProQuest Dissertations & Theses, $c 2025
300 $a 1 electronic resource (284 pages)
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500 $a Source: Dissertations Abstracts International, Volume: 86-09, Section: B.
500 $a Advisors: Spiller, Stephen A. Committee members: Mogilner Holmes, Cassie; Hershfield, Hal E.; Shaddy, Franklin.
502 $b Ph.D. $c University of California, Los Angeles $d 2025.
520 $a Consumers must constrain their spending to ensure they have ample resources for the future. This dissertation explores how consumers perceive, manage, and respond to their financial constraint. Chapter 1 explores consumers' subjective sense of feeling like they have a small or large amount of money. This chapter focuses on the relationship between how money is earned and how it is perceived (and, ultimately, spent). The key findings are that work wellbeing increases the perceived size of a consumer's income. Consequently, consumers with high work wellbeing experience less financial constraint and engage in more discretionary consumption. Chapter 2 asks how consumers decide exactly how much they can spend, based on different presentations of their own financial information. A descriptive survey suggests consumers overwhelmingly think about their constraint in terms of two different financial metrics: either income or balance. We present evidence that consumers do not fully account for the informational differences between income (a flow) and balance (a stock). As a result, attention to either financial metric influences consumers' assessments of current constraint, with the potential to influence spending-and savings-over time. Chapter 3 investigates how consumers establish their own constraint in the context of budgeting. Our core proposition is that the psychology of allocating (i.e., establishing a constraint) is distinct from the psychology of purchasing. Specifically, allocating disproportionately engages evaluations at the category level, making budget allocations especially sensitive to the perceived average value of a category. This can be suboptimal, as budget constraints based on average value can lead to consumption outside of the set implied by the principle of marginal analysis. Taken together, these chapters shed light on the psychology of financial constraint and its broader implications for everyday consumer decisions.
546 $a English
590 $a School code: 0031
650 4 $a Finance. $3 542899
650 4 $a Home economics. $3 551902
653 $a Work wellbeing
653 $a Consumer decision making
653 $a Consumer spending
653 $a Financial constraint
653 $a Income
653 $a Subjective financial assessments
690 $a 0338
690 $a 0508
690 $a 0454
690 $a 0386
710 2 $a University of California, Los Angeles. $b Management (MS/PHD) 0535. $e degree granting institution. $3 3816408
720 1 $a Spiller, Stephen A. $e degree supervisor.
773 0 $t Dissertations Abstracts International $g 86-09B.
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791 $a Ph.D.
792 $a 2025
856 4 0 $u https://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=31845014