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PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372
FAMILY MONEY MANAGEMENT
ARRANGEMENTS:USING THE 2010 STATISTICS ON INCOME AND LIVING
CONDITIONS SURVEY TO STUDY THE PORTUGUESE CASE
ALEXANDRA FERREIRA-VALENTE
LINA COELHO
July 19th 2014
PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372
RESEARCH OVERVIEW
GENDER & MARRIAGE
IDEOLOGIES
SOCIOECONOMIC & LABOR MARKET
FACTORS
HOUSEHOLD MONEY
MANAGEMENT ARRANGEMENTS
POWER OVER FINANCIAL DECISIONS
ACCESS TO A PERSONAL
SPENDING MONEY
WELL-BEING & LIFE
STANDARDS
SATISFACTION WITH THE
RELATIONSHIP HOUSEHOLD MONEY
MANAGMENT ARRANGEMENTS
GENDER & FINANCIAL DECISIONS
CRISES
PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372
FEMALE WHOLE WAGE
HOUSEHOLD MONEY MANAGMENT
ARRANGEMENTS
HOUSEKEEPING ALLOWANCE
MALE WHOLE WAGE
JOINT POOL
PARTIAL POOL
INDEPENDENT MANAGEMENT
RESEARCH OVERVIEW
PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372
AIMS
� Apply Pahl andVogler’s money management typology to thePortuguese case� Pahl, 1989, 1995
� Vogler & Pahl, 1993, 1994
� Kwon the Portuguese intra-household money management patterns
� Study the socioeconomic determinants of such patterns
PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372
PARTICIPANTS
2010 EU-SILC
� N = 5182 households (ADP)
INCLUSION CRITERIA:
� ADP composed by at least one heterosexual couple� Married/Cohabiting� With (or without) dependent children� Living (or not) with other adults
� ADP with income
� ADP’s income managed by at least one member of the couple
� N = 3331 ADPs
PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372
PARTICIPANTS
7,9
13,7
36,7
41,8
Famílias alargadas e outrasfamílias
Casal com outros jovensadultos
Casal com filhos dependentes
Casal (2 adultos)
Household’s Composition
10,5
89,5
Casal em união de facto
Casal casado
Estatuto da Relação
Couple living alone
Couple with dependent children
Couple living with other younger adults
Extended family or other
Married couple
Cohabiting couple
PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372
FWW HKA MWW JP PP IMS
Responsibleformanagement
WomanWoman (may be the
man)Man Both Both
Each partner manages her/his personal income
% incomeskeptseparate
Less than 50% - Less than 50%Non
e
Less than 50%
All incomes
Breadwinner Man (maybe the woman)
Man Man - - -
Who decidesin most ofthe spheresof financialdecisions
Woman (the man or both partners
may take decisions on one or more of the inquired
spheres)
Woman takes decisions about
everyday shopping and expenses with the children; Man decides about the remaining
spheres
Man (the woman or both partners may take decisions
on one or more of the inquired
spheres)
Both - -
Access tobankaccounts
- - - BothBoth; maybe
only one
-
PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372
10,7
3,2
18,9
43,7
20,8
2,8
10 8
55
17
10
FWW HKA MWW JP PP IMS
Portugal 2010 UK 2002
� Apply Pahl andVogler’s money management typology to thePortuguese case
RESULTS
PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372
� Portuguese intra-household money management patterns
9.842,3 €9.980,5 €
11.748,4 €
11.392,6 € 11.383,4 € 11.406,4 €0,86
0,36
0,770,8
0,73
0,95
0
0,1
0,2
0,3
0,4
0,5
0,6
0,7
0,8
0,9
1
8.500 €
9.000 €
9.500 €
10.000 €
10.500 €
11.000 €
11.500 €
12.000 €
FWW HKA MWW JP PP IMS
Rendimento por Adulto Equivalente
Racio rendimento da mulher/Rendimento do homem
RESULTS
PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372
RESULTS
FWW HKA MWW JP PP IMS
Family
IncomeLow Low Highest High High High
Woman’s
Professional
StatusPart Time Part Time Retired Full Time Full Time Full Time
Woman’s
Income
(Vs Man’s)Lower Lowest Lower Lower Lower Similar
Socio-
Professional
Class /
Other
Working Working - - -BlendedFamilies
PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372
RESULTSMULTINOMIAL REGRESSION ANALYSIS
HOUSEHOLD MONEY
MANAGMENT ARRANGEMENTS
PARTNERS’ RELATIVE INCOME CONTRIBUTION
TYPE OF FAMILY
PARTNERS’ PROFESSIONAL STATUS
MAN’S PROFESSIONALCLASS
RESIDENCE AREA
WHO ANSWERED
Pseudo-R = 0.16
PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372
RESULTSMULTINOMIAL REGRESSION ANALYSIS
(as compared with joint pool)
PARTIAL POOLING
PARENTS WITH DEPENTENT CHILDREN
WORKING CLASS
LIVING IN RURAL AREAS
EXTENDED FAMILIES
COUPLES LIVING WITH OTHER YOUNGER ADULTS
PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372
RESULTSMULTINOMIAL REGRESSION ANALYSIS
(as compared with joint pool)
MALE WHOLE WAGE
PARENTS WITH DEPENTENT CHILDREN
WOMEN HAS HIGHER INCOME
BOTH RETIRED
COUPLES LIVING WITH OTHER YOUNGER ADULTS
PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372
RESULTSMULTINOMIAL REGRESSION ANALYSIS
(as compared with joint pool)
FEMALE WHOLE WAGE
PARENTS WITH DEPENTENT CHILDREN
INTERMEDIATE PROFESSIONAL CLASS
WOMAN WORKS PART-TIME
COUPLES LIVING WITH OTHER YOUNGER ADULTS
BOTH RETIRED
OTHER PROFESSIONAL STATUS
WOMEN IS THE REFERENCE PERSON
PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372
RESULTSMULTINOMIAL REGRESSION ANALYSIS
(as compared with joint pool)
HKA
PARENTS WITH DEPENTENT CHILDREN
EQUAL INCOME
INTERMEDIATE PROFESSIONAL CLASS
WOMAN IS HOUSEKEEPER OR WORKS PART-TIME
OTHER PROFESSIONAL STATUS
PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372
RESULTSMULTINOMIAL REGRESSION ANALYSIS
(as compared with joint pool)
IMS
PARENTS WITH DEPENTENT CHILDREN
RURAL AREA
INTERMEDIATE RESIDENCE AREA
BLENDED FAMILY
WOMAN IS THE REFERENCE PERSON
PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372PTDC/IVC-SOC/4823/2012-FCOMP-01-0124-FEDER-029372
REFERENCES
� Coelho, L. (2013). O meu, o teu, o nosso dinheiro: Contributos para o estudo da gestão das finanças conjugais em Portugal. Revista Crítica de Ciências Sociais, 101, 89-110.
� Coelho, L. (coord.), Ferreira-Valente, A., Cordeiro Santos, A., Frade, C., Vieira, C., Jesus, F., Oliveira, M., Marques, R., & Portugal, S. (2014). Finances, gender and power: how are Portuguese households managing their finances in the context of economic crises? – Preliminary results. Coimbra: CES.