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@article{201373,
        author = {Dr. Parth Rashmikant Bhatt},
        title = {Impact of Personal Budgeting Behaviour on Savings: Moderating Role of Income among Salaried Individuals},
        journal = {International Journal of Innovative Research in Technology},
        year = {2024},
        volume = {10},
        number = {8},
        pages = {1731-1740},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=201373},
        abstract = {This paper looks at how personal budgeting behaviour affects both savings and how income moderate the relationship between personal budgeting behaviour and factors such as savings. A structured questionnaire was used to sample 172 respondents who were gathered through primary data collection. The research uses descriptive statistic, correlation analysis, and multiple regression analysis.
The results show that budgeting behaviour has a great and positive influence on savings, and income also has a strong positive impact, but to a lesser degree. Budgeting and income have a negative and significant impact, which means that the positive effect that budgeting has on savings decreases with income. This implies that the budgeting process is especially critical to people with lower income levels. The study notes how important financial behaviour is as opposed to demographic factors and how notable practices such as the promotion of disciplined budgeting behaviour is in promoting savings.},
        keywords = {Personal budgeting, spending behaviour, savings, salaried individuals},
        month = {January},
        }