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家計簿, 記帳の効果, 家計管理, 金融教育, 大学生, personal account book, impact of keeping account book, personal finance management, personal finance education, university student
タイトル(別言語)
The Impact of Keeping Personal Account Book on University Students
We examined impacts of keeping account books on university students quantitatively by surveying their self-evaluation. Collected students of six universities kept personal account books for one month in 2006. In keeping account books, they classified their own expenditure (expenditure classification is 14, food classification is 9). We examined their awareness of change through keeping account books using a self-administered questionnaire. In the questionnaire, we asked 16 questions related to purchase attitude, relationship to parent(s), expense method, saving attitude, and visualization of money, and so on. It was found that the samples felt large change in balancing income and expense, consideration of needs at purchase, grasp of amount and contents of expense, and consideration of cost performance by keeping account books, regardless of the residence situation with parent(s), experience of keeping personal account book, and the amount of managed money. These results imply that keeping account books has educational impacts on university students for enhancing their awareness on the purchasing and the personal finance management.