Экономические науки / 6. Маркетинг и менеджмент

Zelenskaya V.A., Yaremenko S.S.

Alfred Nobel University, Dnipropetrovsk

Features of formation of the family budget in Ukraine

Family Budget is the structure of the family income and expenditure for the definite period. The family's financial situation, the state of its finance, household performing functions which provide the necessary consumer demand are determined by the family budget, that shows the amount and balance of all kinds of income and expenses of the family. Household savings and their link with the capital market provide the solution to the problem of its accumulation that is very necessary for the revival of the investment activity in the transformed economy.

The family budget is a financial unit, which affects the distribution of cash flows in the market of goods and services. The dynamics of the formation of the family budget changes its distribution.

Family finances are the financial block which influences distribution of money streams at the market of commodities and services. The change of distribution at the dynamics of family finances formation.

Under the current market conditions to make the right strategic decisions the companies need to be informed about the formation of the demand for specific goods and services.

The Researches related to the study and analysis of the distribution of the family budget can identify trends of financial flows from the buyer to the market.

Therefore, in every definite period of time any enterprise needs information about the formation of the family budget. This process must be continuous in time. The family budget is the basis of the market mechanism and macro-economic processes.

In this work new trends in the formation and structuring of the family budget are formulated. They are based on the pattern that describes the dependence between the size of the part of the family budget revenue and the allocation of expenditures as the percentage. On the basis of this law the recommendations forming the family budget have been given

The conducted researchers are based on problems which are connected with allocation of the expenses of families depending on the size of family finances. For this purpose the authors conducted the field researches such questionnaires among the families of city of Dnepropetrovsk. The general amount made 360 respondents.

The respondents were offered questionnaires with 18 items of expenditure. They were asked to indicate the size of their family budget and its distribution on the proposed items.

It can be concluded that the film flow more evenly distributed than in the previous groups. It is justified by the fact that in this household budget household can afford to spend more on items such as entertainment, communication, sports, beauty, education, medical services, goods for children, etc. Share on permanent items of expenditure, such as "food", "utilities", "communication", "transport" is reduced.

Based on the data we can formulate a law between the size of the family budget and the allocation of expenditures. The essence of this rule is that the larger the size of the family budget, the greater the share purchase items that are not relevant to the constant object of expenditure. This is due to the fact that the constant flow of articles of the family budget, household tends to spend a sum of money, which does not change with an increase in the income of the family budget. From this it follows that there is a part of funds to be allocated to the non-permanent categories of expenditure.